[GPGT] Loophole in car insurance? As long as the party who hit your car refuse to report to insurance, he can escape liability

[tomsss]

WP He Ting Ru raised this in parliament b4. Shan ge got reply. Can't remember what he said.

a quick google search yielding this result, reply not from Shan though:

Miss Cheng Li Hui asked the Minister for Transport whether the Government will consider legislating the need for all motorists who are involved in road traffic accidents to report the matter to their insurers, regardless of whether they wish to make a claim.

Ms He Ting Ru asked the Minister for Transport in each of the last three years

a. how many complaints has the Ministry received from insured parties about the counterparty failing to file an accident report when involved in a road traffic accident; and

b. what are the remedies available to victims of road traffic accidents who are unable to pursue insurance claims due to the counterparty failing to file an accident report.

Reply by Minister for Transport S Iswaran:

1. I will address the related questions by Miss Cheng Li Hui and Ms He Ting Ru together.

2. In the last three years, the Monetary Authority of Singapore and the Land Transport Authority (LTA) have received 12 complaints and 1 complaint respectively from insured parties about the counterparty failing to file an accident report with their insurer after being involved in a road accident.

3. The General Insurance Association of Singapore’s (GIAS) Motor Claims Framework (MCF) sets out the procedures for all accidents to be reported to the insurer within 24 hours or by the next working day, which is incorporated as a condition of all motor insurance policies. The procedure is not however mandated legislatively.

4. Notwithstanding the above, under the Motor Vehicle (Third Party Risks and Compensation) Act, an insurer cannot refuse liability on the ground that the policy holder has not reported the accident – if the third-party’s claim is for bodily injury or death. Victims of road traffic accidents who remain unable to pursue insurance claims can file a civil claim against the counterparty or claim compensation from their own insurer.

5. MOT/LTA and MAS will work with other relevant government agencies and the GIAS to review and if necessary, strengthen the requirements for reporting road traffic accidents to insurers.

https://www.mot.gov.sg/news/details...e-claims-reporting-for-road-traffic-accidents


as usual, no definite answer.

 

[Discarded]

Yes, this is the only way. I spoke to the TP SIO.
I asked him, what can we do to safeguard ourselves. He refuse to answer my question maybe to avoid extra workload.

Like what u said, as long as u go see doc that day and get a MC and make police report.
The loophole is plugged

Claim injury. Settled. TP investigate.

 

[harbinger255]

Accident at Shenton Way last year. Driver hit me and ran off , I had 2 female passengers behind but there were no injury sustained. File a police report (hit and run) and shared 5 mins footage of "this driver" swerving in and out of lane from Anson road.

Send the car to insurance WS, but was told me not to report insurance as the repairs were only about 900$ as there were no damage to the folding mechanism. After a few days, was conveyed the "driver" did not report to insurance so I can't proceed to claim against him even though I had the video. If I claimed insurance, it will affect my NCD even though it is not my fault.

At the end of the day, reckless driver only gets a slap on the wrist if they road rage, drunk drive, take drugs and murder people.

Enforcement has always been lacking, so don't expect anything.

This is the law.

You are supposed to report to TP, get a letter confirming that it is a hit and run, go to your insurance approved workshop for repairs, claim the damages from your own insurance with the TP letter, evidence of it not being your fault.

If there is any NCD deduction, it should be temporary as your own insurance will claim from the insurance from the other side, reported or not.

You most probably kenna smoked by your own insurance for not wanting to do extra work

 

[herzberg]

Any type of accident, as long as not chiur fault, must go see doc. Take it as free checkup. Also, never settle privately, paid so much premiums, must let the insorlence coy do some work

 

[Crimsom]

Loophole exploited gao gao by 3rd world behavior scums in this country.

As usual, first world country, third world residents.

 

[page||]

Involved in a minor accident.
Driver hit my car, since it was a small accident, decided to go for private settlement.
Went workshop to assess damage and cost of repair.
Driver says cost too high. refused to pay. Cut off all communication

Reported to insurance but cannot proceed because the driver didn't report the accident to insurance.
Can't proceed.

Reported to TP, TP's reply

Learned from Workshop that nothing will happen to the guy.
If his insurance is strict, he might not be able to renew his insurance with the current company.
But he can go another insurance and renew with NCD intact.

lol.

Yes. I also don’t know why

 

[codexboy]

if ts got any injury, go see doc take mc. Then file e police report updating that you were involved in accident xx date, then feel discomfort and went see doc, given how many day mc.

Pass the e-report number to TP IO let them followup.

to safeguard yourself, any injury also shld go see doc. cos if u ignore seemingly small aches now, noone will be liable for any repercussions later if it develops.

 

[Acetone]

If got pic and video, cannot run lah… that’s why should always just claim insurance… don’t settle private

 

[torque6]

You are supposed to report to TP, get a letter confirming that it is a hit and run, go to your insurance approved workshop for repairs, claim the damages from your own insurance with the TP letter, evidence of it not being your fault.

If there is any NCD deduction, it should be temporary as your own insurance will claim from the insurance from the other side, reported or not.

You most probably kenna smoked by your own insurance for not wanting to do extra work

Thank you for the suggestion.

- Reported to TP done. Till now no wind , no sound, no follow up or received a TP letter like OP. Called numerous times since last year but no call from IO updating the case. In fact, they cited "busy with other cases" when I last spoke to an officer.
- When I cited to claim damage from my own insurance. The WS conveyed NCD reduction is for 2 years. I don't see how this is temporary.

So I just dealt with it.

 

[Emperor_Hippo]

Involved in a minor accident.
Driver hit my car, since it was a small accident, decided to go for private settlement.
Went workshop to assess damage and cost of repair.
Driver says cost too high. refused to pay. Cut off all communication

Reported to insurance but cannot proceed because the driver didn't report the accident to insurance.
Can't proceed.

Reported to TP, TP's reply

Learned from Workshop that nothing will happen to the guy.
If his insurance is strict, he might not be able to renew his insurance with the current company.
But he can go another insurance and renew with NCD intact.

lol.

sorry to hear that. always make sure that next time, go see doctor, ask for 3 day MC. then its police report liao.

straightaway go insurance, dun private settlement.

 

[Lolicious]

thats why i always call 995. never be nice or trusting in RTA.

once a jhk side swept and broke my mirror and ran off. i park at road shoulder and called 995 for diffculty breathing and anxiety attack. dont even need to call police, the paramedic will settle and an IO will come to you. eventually the fugger was eventually caught and summon to court. u think it will be effective if i just drive away and report to IDAC? big fugging no.

thats why in any accident, just stop leave car, call
ambulance for heart murmur or whatever, they will refer you to a psycharist. involve hospital, police, insurance these 3 parties. short of any, yr case will be hard. bookmark my post, it will save you


Read HWZ Forum Rules!

 

[The_King]

That's why must claim got injury then report police. With police record the driver cannot escape liability liao.

No wonder taxi alway fake injure.

Now I understand

 

[rizhal]

he willing pose for ur cam nv get aggressive?

Of course not, quick snap and done.

 

[Emperor_Hippo]

No wonder taxi alway fake injure.

Now I understand

learn from the best.

 

[The_King]

thats why i always call 995. never be nice or trusting in RTA.

once a jhk side swept and broke my mirror and ran off. i park at road shoulder and called 995 for diffculty breathing and anxiety attack. dont even need to call police, the paramedic will settle and an IO will come to you. eventually the fugger was eventually caught and summon to court. u think it will be effective if i just drive away and report to IDAC? big fugging no.

thats why in any accident, just stop leave car, call
ambulance for heart murmur or whatever, they will refer you to a psycharist. involve hospital, police, insurance these 3 parties. short of any, yr case will be hard. bookmark my post, it will save you


Read HWZ Forum Rules!

Up for this

 

[charleslee1989]

Involved in a minor accident.
Driver hit my car, since it was a small accident, decided to go for private settlement.
Went workshop to assess damage and cost of repair.
Driver says cost too high. refused to pay. Cut off all communication

Reported to insurance but cannot proceed because the driver didn't report the accident to insurance.
Can't proceed.

Reported to TP, TP's reply

Learned from Workshop that nothing will happen to the guy.
If his insurance is strict, he might not be able to renew his insurance with the current company.
But he can go another insurance and renew with NCD intact.

lol.

Just report GIA first with all your evidence like pictures and videos. Use that report to find a workshop who is willing to take up your case. If that workshop is armed with lawyers like mine, sure can go hunt that bugger down.

https://gia.org.sg/motor-insurance/...ce-issues/350-non-reporting-of-accidents.html



1. What should you do if the other party fails to report a non-injury motor accident to his insurer?


You may contact the third party’s insurer, which will then remind its policyholder to file an accident report. If the policyholder fails to file the report despite his insurer’s reminders, the insurer will inform the Traffic Police, which will then remind the policyholder to file the report.
-------------------

If that don't work, poh mata on that other driver and say you didn't see that other driver's insurance details and suspect that fella is driving without insurance. SPF will investigate liao....

Yes, this problem has been ongoing for years already.

But if I remember correctly, if he didn't report within 24 h of the accident he is actually commiting an offence.

It is not a criminal offence to not poh insurance....police will not care....

You know this is a bloody joke, the whole insurance thing needs an overhaul. The only way you're left to do is to claim against your own insurance. I hope you brought it to a workshop that is approved by your insurance.

Anyway I had my own fair share of a case like this. Dont ever settle for private settlement. Let insurance settle.

1. After accident, take photos and exchange contact. Inform all parties to lodge a report of accident with their insurer.

2. Drive to your own insurance authorised workshop and say that you are claiming 3rd party insurance.

3. Tell your workshop don't start yet until they have BLACK and WHITE stating that the 3rd party insurer will Pay after the assessment is done.

4. If the 3rd party insurer refuses to pay, there's 3 options. Either the workshop sues the 3rd party insurer since they already committed, or you either claim against your own insurance since you're already at the approved workshop, or you can go ahead and repair and you stupid pay the workshop and sue the other driver.

Claiming your own insurance is unwise when you got all the evidence....

Accident at Shenton Way last year. Driver hit me and ran off , I had 2 female passengers behind but there were no injury sustained. File a police report (hit and run) and shared 5 mins footage of "this driver" swerving in and out of lane from Anson road.

Send the car to insurance WS, but was told me not to report insurance as the repairs were only about 900$ as there were no damage to the folding mechanism. After a few days, was conveyed the "driver" did not report to insurance so I can't proceed to claim against him even though I had the video. If I claimed insurance, it will affect my NCD even though it is not my fault.

At the end of the day, reckless driver only gets a slap on the wrist if they road rage, drunk drive, take drugs and murder people.

Enforcement has always been lacking, so don't expect anything.

This is the law.

See my reply to piglet...

 

[Emperor_Hippo]

thats why i always call 995. never be nice or trusting in RTA.

once a jhk side swept and broke my mirror and ran off. i park at road shoulder and called 995 for diffculty breathing and anxiety attack. dont even need to call police, the paramedic will settle and an IO will come to you. eventually the fugger was eventually caught and summon to court. u think it will be effective if i just drive away and report to IDAC? big fugging no.

thats why in any accident, just stop leave car, call
ambulance for heart murmur or whatever, they will refer you to a psycharist. involve hospital, police, insurance these 3 parties. short of any, yr case will be hard. bookmark my post, it will save you


Read HWZ Forum Rules!

next time i'll do that.

but what happens if u are in a rush for time + u cannot cancel appt + ginna's exam is in 3 days time so MC cannot exceed 2 days?

 

[champion09]

Involved in a minor accident.
Driver hit my car, since it was a small accident, decided to go for private settlement.
Went workshop to assess damage and cost of repair.
Driver says cost too high. refused to pay. Cut off all communication

Reported to insurance but cannot proceed because the driver didn't report the accident to insurance.
Can't proceed.

Reported to TP, TP's reply

Learned from Workshop that nothing will happen to the guy.
If his insurance is strict, he might not be able to renew his insurance with the current company.
But he can go another insurance and renew with NCD intact.

lol.

Within 24 hrs got report to your insurer with video evidence? If yes, they can claim him with or without his approval.

 

[drkcynic]

I kenna hit and run. I got the other driver on camera.

I made police report and went to my insurance to report and claim him. My insurer said they will buy his details and contact his insurer (even though he didn't report).

In the end, his insurer notified him. My insurer gave him our demands. He decided to private settle and did paynow, including loss of use.

Guess I was lucky.

 

[harbinger255]

Thank you for the suggestion.

- Reported to TP done. Till now no wind , no sound, no follow up or received a TP letter like OP. Called numerous times since last year but no call from IO updating the case. In fact, they cited "busy with other cases" when I last spoke to an officer.
- When I cited to claim damage from my own insurance. The WS conveyed NCD reduction is for 2 years. I don't see how this is temporary.

So I just dealt with it.

I really dunno what to say.... My mom's case, TP IO and letter came within 1-2 months. Gave everything to own insurance company and they settled without even touching her NCD. Though did you talk to your insurance instead of WS? Generally I find going back to the AD workshop with the partnered insurance co give you the best results as there will usually be an accident claims officer based there.

Maybe you got a really sucky TP IO...