Not at fault motorists penalised for fault reporting/claims!

[Kingkong]

Gone are the days when things were more flexible.

 

10 years ago, I was involved in 3 accidents within the same policy year. 2 are car-car where I'm not at fault, and successfully claimed both cases. Another case is with cyclist, partly my fault but privately settled, though reported police for suspected fracture. End of day, got additional 10% NCD during renewal, with no premium increase.

 

Fast forward to present, half a year ago, a bike collided my side and broke my side mirror, while overtaking from my left on a single lane road. As I had no intention to claim anything, I only made a report to the insurer. Even the insurer's hired accessor claimed its not my fault and he'll advised the company to throw out any claim against me. Then came my renewal, and I was slapped with a premium increase, and I managed to find out my NCD was decreased from 50% to 20% at GIA, though no claim against me, and the insurer said I'm still at 50% NCD. Called the insurer up, faik them upside down, gave them the accessor's name and get them to clarify. After a week, called me back say everything revert to normal, and premium 'down' to norm.

 

The current reporting framework forces all drivers to report even the smallest incident, so the insurance company can rob us of whatever NCD we have with the silliest of excuse.

 

But what can we do when GIA captures the reduced NCD? Change insurer also no use.

[Tiger1]

... please teach me... how to drive defensively when your car is stationary at traffic light junction and a joker ram you from behind...

 

how?

 

I actually saw the car coming from the rear mirror... and could not do anything!

This one you need to visit a chinese temple, an indian temple, a muslim mosque and then finish off with a church. You need blessing, a lot of it!

[Rustyz]

Sometimes, not own fault, suggested pte settlement. The other party die die want to report also use.

These day ppl do not honour their word and twist and turn story. To siam the responsibility of paying.

After passing the test and driving for a few years all of us including me

 

will be pick a lot of bad habits that we are not aware of.

 

One of the best thing we can do that may even save our life one day

 

is to go out with a driving instructor and let them give us tips on improving

 

our driving techniques. They may even give us a few pointers on what we

 

can improve on and what we should be looking out. This could be

 

life saving tips. Especially people that keep getting hit in the rear a few times.

 

Alternatively ts cn upload a 15 min of his driving. MCF bros can give pointer with time line for reflection or pointers.an exclusive service in mcf

[Vin002]

 

Gentle moderate braking giving time and space for the car behind to come to a stop

 

without hitting your rear end.

 

 

 

 

 

How to have a gentle moderate braking when the car in front E brake? I also have to E brake and lucky I have safety distant,

... please teach me... how to drive defensively when your car is stationary at traffic light junction and a joker ram you from behind...

 

how?

 

I actually saw the car coming from the rear mirror... and could not do anything!

 

Haha... I have similar situation... But it is from the car in front of me. The car just keep sliding towards me...I honk like mad and lucky the car managed to stop within 2 mm from my car! I wonder what will happened if he did not stop in time. After that incident, I bought a car cam immediately!

[Vin002]

Sometimes, not own fault, suggested pte settlement. The other party die die want to report also use.

 

I was the other party in the latest incident when the fellow bum by back. I say sorry to you here for reporting to my insurer since you settle from you own pocket. I thought I had an obligation to report to the insurer due to the reporting framework that was introduced.

 

If I have know that I will be penalised, I would not have done that. Waste time and slap yourself on the face.

 

This is the reason why I am posting my situation to create public awareness.

Edited May 9, 2014 by Vin002

[Vin002]

These day ppl do not honour their word and twist and turn story. To siam the responsibility of paying.

 

Alternatively ts cn upload a 15 min of his driving. MCF bros can give pointer with time line for reflection or pointers.an exclusive service in mcf

 

That is the reason why I install car cam after my first incident!

 

Just to share a bit on my first incident - I was traveling on a left most lane on a moderate speed to slowing down towards the traffic junction as the light is red. The car on my right suddenly filter into my lane. I honk like mad and brake immediately. However, he did not check his blind spot and just came into my lane. He has sufficient time to brake but not sure why he didn't and just crash onto my right.

 

This case, he apologized and requested me to claim against his insurance. What to do when you already drive defensively and give sufficient warning but the driver just come into you.

Edited May 9, 2014 by Vin002

[Jamesc]

 

 

 

How to have a gentle moderate braking when the car in front E brake? I also have to E brake and lucky I have safety distant,

 

 

Scan further ahead to see what the car in front of the car you are following is doing.

 

The car in front E brake must be because of something in front of him.

 

Defensive driving means anticipating what the driver in front will do based on what

you can see in front of him.

 

Always driving 2 steps ahead.

 

Could be kids dash out in front of him cos him to E brake or other cars serve into his lane

or first car in front jam brake.

 

As for cars not checking their blind spot, I agree with you it happens a lot.

So I try to put my car either further back behind his blind spot, so he can see me.

 

Or if got space I will move in front of his blind spot so that he can see me.

I will never sit in anyone's blind spot. I will always put my car in front or behind their blind spot.

 

Perhaps you can consider going for the refresher, just an hour and maybe it will even

prevent you from being hit by more kuku drivers in future. As you know there are so

many these days

 

Not being in an accident will save you money and time. Not to mention the frustration.

 

[Jamesc]

As for people tailgating I will move left to let them overtake.

 

If I am on the furthest left lane I will open up the distance between me

and the car in front.

 

The extra safety distance is not only for me to brake in time not to hit the car in front,

it is also for the car behind me to use that space not to hit me.

 

 

 

[Yeshe]

easier said than done.

 

Some $100 also will not fork out.

 

 

 

that $100 to pay fuel, parking for the month lah, pay u leow eat wat? [lipsrsealed]

[Ben5266]

As for people tailgating I will move left to let them overtake.

 

If I am on the furthest left lane I will open up the distance between me

and the car in front.

 

The extra safety distance is not only for me to brake in time not to hit the car in front,

it is also for the car behind me to use that space not to hit me.

 

 

 

You... are either...

A Saint

 

or...

 

A troll!

 

[Jamesc]

You... are either...

A Saint

 

or...

 

A troll!

 

 

Haha!

 

Let you choose.

 

[Vin002]

 

Scan further ahead to see what the car in front of the car you are following is doing.

 

The car in front E brake must be because of something in front of him.

 

Defensive driving means anticipating what the driver in front will do based on what

you can see in front of him.

 

Always driving 2 steps ahead.

 

Could be kids dash out in front of him cos him to E brake or other cars serve into his lane

or first car in front jam brake.

 

As for cars not checking their blind spot, I agree with you it happens a lot.

So I try to put my car either further back behind his blind spot, so he can see me.

 

Or if got space I will move in front of his blind spot so that he can see me.

I will never sit in anyone's blind spot. I will always put my car in front or behind their blind spot.

 

Perhaps you can consider going for the refresher, just an hour and maybe it will even

prevent you from being hit by more kuku drivers in future. As you know there are so

many these days

 

Not being in an accident will save you money and time. Not to mention the frustration.

 

Yes, I did see the car in front of him also ebrake. I can't be expecting what 3 cards ahead of me doing right? But what defensive driving got to do with the car behind from me failed to react?

 

For the blind spot, the car was originally traveling beside me. Like I mentioned, I was approaching traffic light and slowed down. Somehow he suddenly, filter into my lane. Like what you said, I must keep distant from cars all around me to drive defensively...

Edited May 9, 2014 by Vin002

[Jamesc]

Yes, I did see the car in front of him also ebrake. I can't be expecting what 3 cards ahead of me doing right? But what defensive driving got to do with the car behind from me failed to react?

 

For the blind spot, the car was originally traveling beside me. Like I mentioned, I was approaching traffic light and slowed down. Somehow he suddenly, filter into my lane. Like what you said, I must keep distant from cars all around me to drive defensively...

 

The space between you and the car behind you is not enough to take into account

 

the braking distance and the reaction time of the person.

 

You cannot control the space between you and the car behind

 

but you are in full control of the space in front of you. Open up the space.

 

Unless the person behind fell asleep or had a heart attack then

 

nothing can be done. Try the refresher it might be a lot of help

 

to prevent being hit.

 

[Ben5266]

Yes, I did see the car in front of him also ebrake. I can't be expecting what 3 cards ahead of me doing right? But what defensive driving got to do with the car behind from me failed to react?

 

For the blind spot, the car was originally traveling beside me. Like I mentioned, I was approaching traffic light and slowed down. Somehow he suddenly, filter into my lane. Like what you said, I must keep distant from cars all around me to drive defensively...

Thanks for taking the initiative to bring this up.

 

DA charged me $400 extra after they found me having 3 accidents in 2 years from 2 cars.

 

So, on the following year, I jumped ship to Chartis who does not penalise me on this and became cheaper with better policy.

Edited May 9, 2014 by Ben5266

[1fast1]

You... are either...

A Saint

 

or...

 

A troll!

 

 

He is the Patron Saint of Trolls, St. James of Flames (referring to internet flamewars).

 

His martyrdom will eventually come with a

 

[Nzy]

Teach me how to drive defensively when one incident, my car is stationery and the other incident people bang into my rear.

 

What to do when one happened to be unlucky on a particular day? This should not be penalised by the insurer again!

Leave bigger gap when you stop at the lights. I usually leave about 1/2 to 1 car length. Saved me from an accident twice already. The car coming too fast from behind so I start to move forward and he managed to stop within a few inches from my rear. Couldn't even see his bonnet from my rear mirror already.

 

When someone tailgate you leave a bigger gap with the car infront so if the car infront ebrake you can don't brake so hard so the car at the back got more time to react.

[1fast1]

Leave bigger gap when you stop at the lights. I usually leave about 1/2 to 1 car length. Saved me from an accident twice already. The car coming too fast from behind so I start to move forward and he managed to stop within a few inches from my rear. Couldn't even see his bonnet from my rear mirror already.

 

When someone tailgate you leave a bigger gap with the car infront so if the car infront ebrake you can don't brake so hard so the car at the back got more time to react.

Very good suggestions. I agree with (and practise) the second one. The first may be thwarted by other traffic or bikes (especially!) trying to be clever and squeezing in front of you if you leave a large enough gap. Unless you reverse to widen the gap again, there's nothing you can do.

[Joseph22]

Yes, I did see the car in front of him also ebrake. I can't be expecting what 3 cards ahead of me doing right? But what defensive driving got to do with the car behind from me failed to react?

 

For the blind spot, the car was originally traveling beside me. Like I mentioned, I was approaching traffic light and slowed down. Somehow he suddenly, filter into my lane. Like what you said, I must keep distant from cars all around me to drive defensively...

If the 3rd car in font can affect your car. Then yes u should and also be able to do so because it is likely near enough.