Worth to claim ins of $7k repair caused by fallen branches

[Athrin]

Hi all,

 

Need your advice…

Huge branches fell on my car

 

My Comprehensive insurance premium was $680

1. Can repair at Kah Motor (KM)
2. with NCD protector (current is 50% NCD)
3. waiver of excess of 1^st own damaged claim (2^nd own damage excess is $800)
4. Courtesy car provided if go repair at KM

 

Kah Motor (KM) body shop will

1. replace the roof,
2. knock & re-spray two sides beside the roof, two front A-pillar, two door panels, front & rear fenders

Estimated no 8 to 10 days (excluding weekends)

Estimated repair cost of 6-8k

Provide a courtesy car

 

Authorised workshop A will only knock & re-spray the roof (unlike KM which will replace)

The rest same as KM to knock & re-spray all damaged areas.

Same estimated no of days as KM

Did not provide estimated repair cost

But NO courtesy car

 

 

Option 1

Don’t repair

Maybe this is good only if im confirmed going to scrap my car (but my almost 11yrs old car mileage is only 130k, if sell on SG car mart or to exporter, maybe can fetch higher than trade in to KM if buy new Civic this year)

 

Option 2

Repair at Authorised workshop

But unlikely, coz No courtesy car & KM workmanship should be better & KM replace roof instead of repair…

 

Option 3

Find the cheapest workshop & repair out of my own pocket??

 

Option 4

Repair at KM

Is this the best option?

If do this, upon next insurance renewal,

1. Most likely have to stay with current insurer, as NCD protector is only recognized by current insurer
2. Estimated increase in premium of 5% to $200+ or $300+ or $400
3. No more NCD protector
4. No more waiver of excess of 1^st own damaged claim

 

 

PS: Hi moderator, i seach by insurance & branch & tree, but was not able to find a similar topic...

pls help to move to the appropriate thread if i post wrongly,

many tks

[Wildfaye29]

Option 4

[Club21z]

Option 4. Why so scare claim insurance ?

[1fast1]

Most important question: are you entitled to claim against NPB?

[Hamburger]

You dare to drive with roof replaced?

[Cosmicclaw]

  On 3/10/2017 at 12:20 PM, Club21z said:

Option 4. Why so scare claim insurance ?

 

If the claimed amount is not big, claim will mean increased premiums or take away the NCD Protector.

[Vinceng]

The answer is obvious.

 

Take option 4

 

Claim insurance and repair at KM, and take courtesy car.

 

Pay so much for insurance, MUST claim and use it, and enjoy courtesy car.

 

If don't claim insurance  & pay out of your own pocket, might as well just buy 3rd party insurance.

 

[flashbang]

  On 3/10/2017 at 1:20 PM, Vinceng said:

The answer is obvious.

 

Take option 4

 

Claim insurance and repair at KM, and take courtesy car.

 

Pay so much for insurance, MUST claim and use it, and enjoy courtesy car.

 

If don't claim insurance  & pay out of your own pocket, might as well just buy 3rd party insurance.

 

Not sure what some people think, every year die die have to pay for car insurance, but when time comes to use it, want to pay out of pocket and avoid using insurance.... not to mention we are talking 7k, not 700...

[Jusnel]

  On 3/10/2017 at 12:08 PM, Athrin said:

Hi all,

 

Need your adviceâ¦

Huge branches fell on my car

 

My Comprehensive insurance premium was $680

• Can repair at Kah Motor (KM)
• with NCD protector (current is 50% NCD)
• waiver of excess of 1^st own damaged claim (2^nd own damage excess is $800)
• Courtesy car provided if go repair at KM

Kah Motor (KM) body shop will

• replace the roof,
• knock & re-spray two sides beside the roof, two front A-pillar, two door panels, front & rear fenders

Estimated no 8 to 10 days (excluding weekends)

Estimated repair cost of 6-8k

Provide a courtesy car

 

Authorised workshop A will only knock & re-spray the roof (unlike KM which will replace)

The rest same as KM to knock & re-spray all damaged areas.

Same estimated no of days as KM

Did not provide estimated repair cost

But NO courtesy car

 

 

Option 1

Donât repair

Maybe this is good only if im confirmed going to scrap my car (but my almost 11yrs old car mileage is only 130k, if sell on SG car mart or to exporter, maybe can fetch higher than trade in to KM if buy new Civic this year)

 

Option 2

Repair at Authorised workshop

But unlikely, coz No courtesy car & KM workmanship should be better & KM replace roof instead of repairâ¦

 

Option 3

Find the cheapest workshop & repair out of my own pocket??

 

Option 4

Repair at KM

Is this the best option?

If do this, upon next insurance renewal,

• Most likely have to stay with current insurer, as NCD protector is only recognized by current insurer
• Estimated increase in premium of 5% to $200+ or $300+ or $400
• No more NCD protector
• No more waiver of excess of 1^st own damaged claim

 

PS: Hi moderator, i seach by insurance & branch & tree, but was not able to find a similar topic...

pls help to move to the appropriate thread if i post wrongly,

many tks

11 yr old car? So it's COE car?

 

If so, then scrap the car, get back the COE sum and get new car la.

[ccc888]

Need to see how much his COE.

[BanCoe]

Why Option 2 dont give courtesy Car??

My car got hit by car behind; I sent it to authoriszed WS of my Insurance Company

 

They gave me 5 days car rental but I scared skali i langgar their car (just took cash) of $120 per day; cheaper to use taxi/ bus  actually and felt good to feel whats it like without a car

 

BTW did you inform NP about the incident in the first place with photo's??? I'm sure they have someone looking into all this issues (or make Police Report even though got no injury but since its govt property  hit you  , unfortunately ) 

[Sdf4786k]

I had the impression if you take pic of the incident n cliam against NEA wouldn't that be a better option? Provided you did take pics before you move off

[Mercury1]

  On 3/10/2017 at 12:08 PM, Athrin said:

Hi all,

 

Need your adviceâ¦

Huge branches fell on my car

 

My Comprehensive insurance premium was $680

• Can repair at Kah Motor (KM)
• with NCD protector (current is 50% NCD)
• waiver of excess of 1^st own damaged claim (2^nd own damage excess is $800)
• Courtesy car provided if go repair at KM

Kah Motor (KM) body shop will

• replace the roof,
• knock & re-spray two sides beside the roof, two front A-pillar, two door panels, front & rear fenders

Estimated no 8 to 10 days (excluding weekends)

Estimated repair cost of 6-8k

Provide a courtesy car

 

Authorised workshop A will only knock & re-spray the roof (unlike KM which will replace)

The rest same as KM to knock & re-spray all damaged areas.

Same estimated no of days as KM

Did not provide estimated repair cost

But NO courtesy car

 

 

Option 1

Donât repair

Maybe this is good only if im confirmed going to scrap my car (but my almost 11yrs old car mileage is only 130k, if sell on SG car mart or to exporter, maybe can fetch higher than trade in to KM if buy new Civic this year)

 

Option 2

Repair at Authorised workshop

But unlikely, coz No courtesy car & KM workmanship should be better & KM replace roof instead of repairâ¦

 

Option 3

Find the cheapest workshop & repair out of my own pocket??

 

Option 4

Repair at KM

Is this the best option?

If do this, upon next insurance renewal,

• Most likely have to stay with current insurer, as NCD protector is only recognized by current insurer
• Estimated increase in premium of 5% to $200+ or $300+ or $400
• No more NCD protector
• No more waiver of excess of 1^st own damaged claim

 

PS: Hi moderator, i seach by insurance & branch & tree, but was not able to find a similar topic...

pls help to move to the appropriate thread if i post wrongly,

many tks

Sorry but if the branch fell on your car can't you claim NParks?

[flashbang]

  On 3/11/2017 at 4:22 AM, Mercury1 said:

Sorry but if the branch fell on your car can't you claim NParks?

Later NParks say they just did inspection, tree was healthy and safe.....

[Jusnel]

  On 3/11/2017 at 4:22 AM, Mercury1 said:

Sorry but if the branch fell on your car can't you claim NParks?

Garment is v smelly. They already say if they do due diligence in inspection, they won't pay a cent to any death, injury or damage.

[Blackyv]

Garmen always claim such incident is act of God but we all know who is the 'god' here.... Too bad...Such thumb, pay thru own pocket or ins...

[Mercury1]

  On 3/11/2017 at 6:21 AM, Jusnel said:

Garment is v smelly. They already say if they do due diligence in inspection, they won't pay a cent to any death, injury or damage.

Last time a branch fell on my car and dented the bonnet NParks told me if I have the branch and can prove it was rot that did it then they will compensate. Not sure if you can prove the same ( maybe too late)

 

Post a pic of dent if u can? Just wondering how major is the damage

[Nzy]

  On 3/11/2017 at 8:17 AM, Mercury1 said:

Last time a branch fell on my car and dented the bonnet NParks told me if I have the branch and can prove it was rot that did it then they will compensate. Not sure if you can prove the same ( maybe too late)

 

Post a pic of dent if u can? Just wondering how major is the damage

 

Same. Lucky I kept the branch. Insurer managed to claim from the nparks. Mine also bonnet dented. Branch was quite a small one actually. around 30cm long only.