What should I do if the other party refuse to report accident?

[edwinttt1978]

The General Insurance Association would like to remind motorists:

1. File an accident report with your insurer, even though there are no visible physical damage to vehicles involved or you had agreed to private settlement.

2. It a breach of policy condition not to file an accident report with your insurer. A breach of policy condition entitles your insurer to repudiate liability, which means that you do not get protection under the policy.

3. Policyholders who ignore their insurer’s request to file an accident report will be referred to the Traffic Police because this is a violation of Road Traffic Act.

Mr Derek Teo, President, GIA, explains the rationale for the protocol against non-reporting by vehicle owners and drivers:

“Currently, we note that only a small percentage of drivers have been found not to file the report with the insurer after accidents. Insurers take this non-reporting seriously and will not hesitate to enlist the help of the Traffic Police to resolve the matter. Drivers who blatantly ignore insurer’s requests to file an accident report may face serious consequences like non-renewal of their motor insurance policy.”

http://gia.org.sg/pdfs/Industry/Motor/MCF3TEXT.pdf

 

[AL5509]

...Next day I reported the accident and then drive to my dealer for repair. They told me that they need to wait the other party submit his accident report. But three weeks later, the other party still haven't report this accident.

Have i missed out any point(s) that TS; otherwise a victim of an accident is more concern with?

The repair of the damaged(victim's) car?

Will workshop proceed on with repair still given the delay for reporting by another party?

Guess this is the Victim aka TS main concern?

 

[seowbin]

why don't let the claim workshop do the work?

they can send lawyer letter and stuffs like that

 

[AL5509]

why don't let the claim workshop do the work?

they can send lawyer letter and stuffs like that

The question is, will 'they' do anything 1st?

If yes, need to wait how long huh?

 

[seowbin]

The question is, will 'they' do anything 1st?

If yes, need to wait how long huh?

As long as they willing to take up... Wait is confirm + chop


I kanna people bang from the side in late April or early may, claim insursnce

Till now, still not settled.

What makes you think this kind don't need to wait?

 

[fake_oranges]

Next time when accident happen must jump out of the car and roll on the floor

Until ambulance and police come to take statement. The other party dont report also cannot

HardwareZone Forums app

 

[AL5509]

As long as they willing to take up... Wait is confirm + chop


I kanna people bang from the side in late April or early may, claim insursnce

Till now, still not settled.

What makes you think this kind don't need to wait?

Hhmmm just hope we are 'talking' about the same matter/issue.

Note that dont think we are talking about insurance claim(duration) if you understand what this topic is referring?

The waiting I am referring to is the repair to be done NOT claiming of insurance to close the case(especially those with medical claim involved) which usually drivers dont bother since claiming insurance.

Back to topic, as currently I believe TS is facing the issue that his case is NOT EVEN TAKEN UP due to the fact the the other party never report(based on thread's title).

In simple words, the workshop is not taking his case hence no repair is going to be done for NOW til the other party report.

Hence the question goes; if the other party REFUSE to report, NO repair will be done.
True or False?

How long much TS wait for repair to get started?

Please update us, as we all try to know.

 

[seowbin]

if drive to dealer, maybe they will not take up

if drive to those pro claim workshop, they might take a case if it's a law suit anyway .

 

[winningeleven]

Happened to me before. AD told me as long the other party don't report They don't proceed. Asked me to consider own damage 1st. Lucky mine is small damage. I went and fix it outside.

 

[AL5509]

if drive to dealer, maybe they will not take up

if drive to those pro claim workshop, they might take a case if it's a law suit anyway .

Lai, recommendation please.
You sound experienced with such case..

 

[AL5509]

Happened to me before. AD told me as long the other party don't report They don't proceed. Asked me to consider own damage 1st. Lucky mine is small damage. I went and fix it outside.

Have you find out how your case was closed then?
Given you did report?

 

[snipfer]

Lai, recommendation please.
You sound experienced with such case..

Most of the blackshops formerly in Eunos industrial park(behind Singtel) already moved to autobay kaki Bukit.

I won't recommend them. Their main biz are taxi drivers, just ask those taxi drivers to recommend you.

Sent from Xiaomi MI MAX 2 using GAGT

 

[winningeleven]

Have you find out how your case was closed then?
Given you did report?

I was hit by 2 bikes at the rear when I was stationary and waiting to move off. Involved 1 Malaysian and 1 sg bikes which the rider was down and injured and Malaysian bike just ran off. I claimed the sg bike but sg bike filed the report only after 1 month coz he was bed riden and he claimed it was the Malaysian bike that hit me..I didn't have a rear cam then..so nothing I can do. Lucky that on the day of the accident. My car plate number strike 4d. Cover the damage. Lol..

 

[edwinttt1978]

Hhmmm just hope we are 'talking' about the same matter/issue.

Note that dont think we are talking about insurance claim(duration) if you understand what this topic is referring?

The waiting I am referring to is the repair to be done NOT claiming of insurance to close the case(especially those with medical claim involved) which usually drivers dont bother since claiming insurance.

Back to topic, as currently I believe TS is facing the issue that his case is NOT EVEN TAKEN UP due to the fact the the other party never report(based on thread's title).

In simple words, the workshop is not taking his case hence no repair is going to be done for NOW til the other party report.

Hence the question goes; if the other party REFUSE to report, NO repair will be done.
True or False?

How long much TS wait for repair to get started?

Please update us, as we all try to know.

“If the other party does not report, then no repairs will be done” is true on the strength of:
(1) The pre-action protocol for non-injury motor accident cases
https://www.statecourts.gov.sg/Civi...14-AppFA-AnnexB-PreActionProtocolforNIMA.pdf; and

(2) Why do insurers require an accident report from their policyholder before acting on a third-party claim?

Insurers require an accident report from their policyholders before acting on a third-party claim to make sure the claim is valid, i.e., their policyholder was indeed involved in the accident. Only then will they be able to investigate the accident to determine if their policyholder was at fault in the accident and to what extent they were responsible for it. http://www.gia.org.sg/motor-insuran...-vehicles/350-non-reporting-of-accidents.html

Thus, it follows that whilst regulations punish policyholders for failing to report, driver victims, especially those without comprehensive insurance coverage, are often left in a state of uncertainty.

 

[yishun265]

thats why a lot of ppl when kena hit from behind sure got neck injury, then this is not a non injury accident.

 

[edwinttt1978]

thats why a lot of ppl when kena hit from behind sure got neck injury, then this is not a non injury accident.

For neck and other bodily injuries arising from motor vehicle accidents, another set of pre-action protocol applies.

PRE-ACTION PROTOCOL FOR PERSONAL INJURY CLAIMS
https://www.statecourts.gov.sg/CivilCase/Documents/PD07032014-AppFB-PreActionProtocolforPIClaims.pdf

 

[seowbin]

Most of the blackshops formerly in Eunos industrial park(behind Singtel) already moved to autobay kaki Bukit.

I won't recommend them. Their main biz are taxi drivers, just ask those taxi drivers to recommend you.

Sent from Xiaomi MI MAX 2 using GAGT

The pro have spoken

 

[AL5509]

...
(2) Why do insurers require an accident report from their policyholder before acting on a third-party claim?

Insurers require an accident report from their policyholders before acting on a third-party claim to make sure the claim is valid, i.e., their policyholder was indeed involved in the accident. Only then will they be able to investigate the accident to determine if their policyholder was at fault in the accident and to what extent they were responsible for it. http://www.gia.org.sg/motor-insuran...-vehicles/350-non-reporting-of-accidents.html

Thus, it follows that whilst regulations punish policyholders for failing to report, driver victims, especially those without comprehensive insurance coverage, are often left in a state of uncertainty.

Personally feel this policy/regulation (point 2) very out-dated sia.

Yes in the past, car camera was not popular so yes it is always words against words.

But not nowadays front&rear camera are mostly fitted in an vehicle(even in bikes).

Why do they still need this to be done: (?)

"Insurers require an accident report from their policyholders before acting on a third-party claim to make sure the claim is valid, i.e., their policyholder was indeed involved in the accident. Only then will they be able to investigate the accident to determine if their policyholder was at fault in the accident and to what extent they were responsible for it.[/I] "

If a driver can provide the video footage as an evidence and too gave the driver details(as details was exchanged; not a hit and run case).

What makes the insurance company not acting based on third party claim?

Sound like insurance company dont give a darn even so they will so-called penalise the driver that dont report.

Victim just wanted to get the car repair and move on de lo.

 

[snipfer]

Sg have always been pro biz, consumers just have to LLST.

Insurance co will take every opportunity to repudiate liability and void the insurance contract to avoid compensation.

Sent from Xiaomi MI MAX 2 using GAGT

 

[AL5509]

Sg have always been pro biz, consumers just have to LLST.

Insurance co will take every opportunity to repudiate liability and void the insurance contract to avoid compensation.

Sent from Xiaomi MI MAX 2 using GAGT

True and workshops know it well this may happen so they will chose not to do anything TIL THE OTHER PARTY REPORT(what TS had encountered).

#hardtruth