24 hour report accident

[stylechap]

Bro, when you kana car accident and the fault is clearly that of the opposite party, there will typically be no involvement of your own insurance party other than to be notified by the insured party of the accident.

In this instance, what happened in my case was:

1. Got banged from behind on CTE, only 2 of us involved in the accident
2. Reported to my insurer
3. Spoke with my AD (since car very new). They agreed to take up case since it was straightforward and handled the reporting + claim process
4. Started work on my car once they had received OK from the opposite party's insurer + 3rd party assessor had seen the damage

All in all, no work done by my insurer since we were claiming on his insurance. All work done by my AD once they were certain that this is clear cut case. If this is not a clear cut case, the AD / workshop will likely not start repairs on your car first. Your insurer doesn't really play a part in such situations.

Of course, doing a claim on your own insurance is a different story. Then yes, having a good insurer does make a difference.

I agree if 3rd party claim is smoothly done then own insurance got nothing to do with it.
Have you wondered if the other party didn't report the accident then who will come out and assist you? Wait for 9months and counting like the AD mentioned?

Those who says insurance company makes no difference are actually those living in the past with clearcut rule: rear collision=100% rear car fault regardless the front car do it on purpose.
Times have changed and services are getting competitive, insurance company want to earn your money and safekeep their reserves.
Payout means losing money, thus the decades old urban legend "rear collision=100% rear car fault" have died down with the help of dash cams

 

[delceer]

I won't dare say it has dragon and phoenix.
I would like to reiterate that the person filing your case and offering your options is pretty important. It is very unprofessional that he/she would tell you the other person's case is dangling there for 9months. It sounds to me like that person is a greenhorn or just using past examples to apply in your case.
But I still believe AXA is pretty reputable and will gladly assist your 3rd party claim no matter the other party have reported or not.

Okay will buy AXA for my next insurance renewal.
Thanks.

 

[stylechap]

Okay will buy AXA for my next insurance renewal.
Thanks.

It would be good to review your insurance coverage subsequently,personally through your AD sales person.(another odd statement from no one elsebecause most of them opt for their cheap alternatives)

The policy renewal form mailed to you only says the basic information like NCD,premium and plan name but not the fineprints and T&C.
I assume yours is not a special car,your current premium should be about 2-3k,next year or maybe few years later it should drop to around 1k mainly because the Total Loss clause should be different.

 

[alpha_navy]

reviving this thread as similar case just happened to me,

Accident happened two weeks ago (nearly 10 days already), a car rear-ended me on the expressway, my boot was quite badly crushed in. Sent in to workshop, they were fully confident of helping me do a third party claim. However, yesterday my Workshop called me saying the other party did not report the accident, hence they are unable to proceed with third party claim, car still left un-repaired. They recommend that I do OD claim first then let my insurer recover the cost from the other party's insurer. I did not agree yet and will try to contact my own insurer tomorrow to ask for advice.

For such case, would like to check with bros here that have similar experience, what are the options for me now? Will my insurer do anything to help or definitely have to go into civil law suit to recover the damages?

Thanks in advance!

 

[IntelBen]

reviving this thread as similar case just happened to me,

Accident happened two weeks ago (nearly 10 days already), a car rear-ended me on the expressway, my boot was quite badly crushed in. Sent in to workshop, they were fully confident of helping me do a third party claim. However, yesterday my Workshop called me saying the other party did not report the accident, hence they are unable to proceed with third party claim, car still left un-repaired. They recommend that I do OD claim first then let my insurer recover the cost from the other party's insurer. I did not agree yet and will try to contact my own insurer tomorrow to ask for advice.

For such case, would like to check with bros here that have similar experience, what are the options for me now? Will my insurer do anything to help or definitely have to go into civil law suit to recover the damages?

Thanks in advance!

Did you discuss with other party if you and other driver wan to settle privately or claim insurance ?
U have video footage that capture the other party ( with Licence plate no) ram into you rear side? If yes, then just do OD claim then ask your insurance to claim back the repair cost.

 

[alpha_navy]

Did you discuss with other party if you and other driver wan to settle privately or claim insurance ?
U have video footage that capture the other party ( with Licence plate no) ram into you rear side? If yes, then just do OD claim then ask your insurance to claim back the repair cost.

Hi bro thanks for the reply.. Since it's a clear cut case, I wanted to just do a third party claim, so I didn't contact the driver after the accident. He also did not call me wanting to settle privately.
It was captured on the rear cam and can see the plate clearly. But, I thought if he does not report, his insurer will not act on his behalf and entertain any third party claim? thks.

 

[IntelBen]

Hi bro thanks for the reply.. Since it's a clear cut case, I wanted to just do a third party claim, so I didn't contact the driver after the accident. He also did not call me wanting to settle privately.
It was captured on the rear cam and can see the plate clearly. But, I thought if he does not report, his insurer will not act on his behalf and entertain any third party claim? thks.

If other party did not report to own insurance, you not able to do 3rd party claim. Other party insurance surveyor need to go assess on the damaged before can do 3rd party claim.

Since it more than 24hrs after accident, the other party yet to report of the accident, the other party insurance has the right not to help their client on insurance payment.

 

[alpha_navy]

If other party did not report to own insurance, you not able to do 3rd party claim. Other party insurance surveyor need to go assess on the damaged before can do 3rd party claim.

Since it more than 24hrs after accident, the other party yet to report of the accident, the other party insurance has the right not to help their client on insurance payment.

Yeah correct, this is exactly the situation now. Hence I wanna ask if you guys know what options I have moving forward.

 

[winningeleven]

I got a 3rd party claim case and still waiting for the biker to report his insurance. He was injured after banging into my rear and he couldnt report within 24 hours as he was admitted to hospital and the case was also handled by TP. He called his insurance and the agent told him to report after he recovered. Then this goondu returned back to his home town and he thought by informed the insurance was enough. But then his insurance insisted his reporting was not done correctly and now I have to see what his insurance is going to deal with my case.

 

[AL5509]

For donkey years it seem to be still the same??

But think nowadays with footage/video as evidence, it will make claiming more 'possible'.

有评有据 hard to run road de for singapore's vehicle.
So just goto claim OD 1st.

 

[winningeleven]

For donkey years it seem to be still the same??

But think nowadays with footage/video as evidence, it will make claiming more 'possible'.

有评有据 hard to run road de for singapore's vehicle.
So just goto claim OD 1st.

Unfortunately . The victim that is not at fault is still the losing end now if the other party dont care.

I have video recording also cant do anything to speed up the case. The other party insurance till now just act bodoh.

For me, i dont wish to claim my own damage as my damage is minor. scratches and slight crack on bumper. Once i claim own damage, wasted my 1st waiver excess and the 10 days courtesy car for 1 calender year!

Worst case is i just fix the cost myself.

 

[AL5509]

Unfortunately . The victim that is not at fault is still the losing end now if the other party dont care.

I have video recording also cant do anything to speed up the case. The other party insurance till now just act bodoh.

For me, i dont wish to claim my own damage as my damage is minor. scratches and slight crack on bumper. Once i claim own damage, wasted my 1st waiver excess and the 10 days courtesy car for 1 calender year!

Worst case is i just fix the cost myself.

I feel you for sure how sucky this can be.

But do think any improvement will be made or done de.

 

[delceer]

I feel you for sure how sucky this can be.

But do think any improvement will be made or done de.

Wah this thread still alive ah...
My car already repaired long time ago.
Still the same for the regulations.

 

[AL5509]

Wah this thread still alive ah...
My car already repaired long time ago.
Still the same for the regulations.

Sadly there are accidents daily and out of all that, such special issue appeared and I feel it is darn suay de.

Given you been through it personally and experienced it real-life.

You may like to share more in-depth details and give advices what can anyone do if facing it?

 

[AL5509]

I hope is false.
Need expert come in share some information.
Someone knock my car and I want to claim 3rd party. The fellow still haven't report, already pass few days. The reporting centre told me some one already 9 months still no news because the other party die die don't want to report and insurance can't proceed without report.

After going through, is this issue for real or false?

 

[delceer]

Sadly there are accidents daily and out of all that, such special issue appeared and I feel it is darn suay de.

Given you been through it personally and experienced it real-life.

You may like to share more in-depth details and give advices what can anyone do if facing it?

After going through, is this issue for real or false?

My advise is die die don't involved in accident.
Really cannot have good night sleep.
As above few posted, need the person go make report.
No report means the 3rd party claim cannot proceed. Stuck there.

 

[AL5509]

My advise is die die don't involved in accident.
Really cannot have good night sleep.
As above few posted, need the person go make report.
No report means the 3rd party claim cannot proceed. Stuck there.

Ya dont think anyone is keen to get into an accident.

Guess nothing change or going to be improved......for this phase.

But believed with footage/video; the claim should go through eventually ba?
When and how long hhhhhhmmmmmmmm I dont know.

 

[superman]

Unfortunately . The victim that is not at fault is still the losing end now if the other party dont care.

I have video recording also cant do anything to speed up the case. The other party insurance till now just act bodoh.

For me, i dont wish to claim my own damage as my damage is minor. scratches and slight crack on bumper. Once i claim own damage, wasted my 1st waiver excess and the 10 days courtesy car for 1 calender year!

Worst case is i just fix the cost myself.

Did your WS appoint a lawyer on your behalf? The WS lawyer will send the claim to the driver address, if the driver did not inform his insurer, the lawyer will claim directly from the driver. Try to get the lawyer to send the claims directly to the driver and see if he respond.

 

[AL5509]

Did your WS appoint a lawyer on your behalf?

Think the 1st question goes, claim who 1st?

3rd party or OD?
If claim OD, workshop do everything for you.

Dont want to claim OD, here the problem again.
Workshop dont want to even touch your car or do anything as claim who?

Unless victim use his own money to get a lawyer to do the job? Maybe?

 

[superman]

Think the 1st question goes, claim who 1st?

3rd party or OD?
If claim OD, workshop do everything for you.

Dont want to claim OD, here the problem again.
Workshop dont want to even touch your car or do anything as claim who?

Unless victim use his own money to get a lawyer to do the job? Maybe?

My experience is I claim 3rd party and WS appoint a lawyer to process my claim provided its 100% the other party fault but I did not go AD.