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

[AngryPiglet]

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.

 

[weng0202]

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

 

[TVaddict]

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.

 

[David Lai]

take pics also must be fast hand fast leg… dun let him go already then kpkb…

 

[AngryPiglet]

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

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

 

[winningeleven]

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.

But then insurance details is shared. Don't think Other Insurance company still proceed to insure when he had a case against him?

 

[zyklon86]

So long already. PAP did nothing about it.

LTA prefers to use the energy for ERP 2.0, give you 3 piece device that has the function of an iphone from 15 years ago.

 

[rizhal]

my last accident, I took picture of the driver and the wreckage together. Make it clear to him that he was in picture.

He could not deny.

 

[Woof24]

Then time just take photo and claim insurance. Don't need talk so much to the other party.

This world a lot of nasty people.

 

[yakunkia]

So long already. PAP did nothing about it.

LTA prefers to use the energy for ERP 2.0, give you 3 piece device that has the function of an iphone from 15 years ago.

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

 

[louisoh]

video nvr capture tat guy meh? nx time make sure he makes a pose in front of the camera. LOL

 

[kyokoto]

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. In fact, I was in an exact case like this. Dont ever settle for private settlement. Let insurance settle. My learning points from my case:

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 (This is VERY important even though you want to claim 3rd party - this will save you lots of trouble if the 3rd party option falls through) and say that you are claiming 3rd party insurance.

3. Tell your workshop don't start yet until they have BLACK and WHITE (This is also another VERY IMPORTANT thing) 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 stupidly pay the workshop and sue the other driver. Last option workshop, lawyer and all insurance company win but you lose.

 

[harbinger255]

Which workshop did you go to? Aiyoh.... haven't we seen enough of such cases already?

 

[niefeng80]

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 an offence only if the law was enforced. Else it will be your words against my words.

 

[Nevereatrice]

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.

Yup. That's why make sure u really can afford to drive. It's not u can afford down payment can buy car this simple. Nobody will admit it's their fault in an accident

 

[fatladysinger]

how much was damage ?

if you really pursue through lawyer i believe the other party insurance company will no longer cover him for this incident so by not reporting the other fellow also taking a risk

 

[torque6]

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.

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.

 

[yildun]

Put video on singapore reckless driver. See which insurer give him renewal with NCD intact.

 

[menthol28]

I give u another loophole to counter this loophole next time any accident just report have injuries like whiplash, neck pain etc....

 

[charliebrown]

my last accident, I took picture of the driver and the wreckage together. Make it clear to him that he was in picture.

He could not deny.

he willing pose for ur cam nv get aggressive?