GVGT - Big fiery accident at KPE towards TPE at Nicoll Highway Entrance. Fire burn very big.

Whispers

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actually the insurance question is quite interesting...

so if insurance do not cover, then only can sue to get back damages in court?

Car is asset of company, so does the company have to pay up?
like delivery guy driving van around and wifully causing damage to others, it is the driver that have to pay up, no?
 

Kiwi8

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actually the insurance question is quite interesting...

so if insurance do not cover, then only can sue to get back damages in court?

Car is asset of company, so does the company have to pay up?
like delivery guy driving van around and wifully causing damage to others, it is the driver that have to pay up, no?
Car owner has to pay up. Since the car owner is company, then company has to pay up for any damage the car does when driven under authorized driver, which the deceased obviously is. Liability only transfers to driver if say a thief steals the car and drives it to hit other vehicles.
 

TanSG

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Car owner has to pay up. Since the car owner is company, then company has to pay up for any damage the car does when driven under authorized driver, which the deceased obviously is. Liability only transfers to driver if say a thief steals the car and drives it to hit other vehicles.
I thought by law the insurance will be unable to deny legit claims from 3rd party as long as there’s one in force?

The insurance can only deny claims from the owner of the policy if there’s are any breach of conditions (eg driving under influence of drugs/alcohol, poorly maintained vehicle etc). Of course the insurance can still sue the policy owner to claw back the monies paid to the 3rd parties when conditions are breached.

TLDR:- As long as there is a currently valid car insurance, the insurance cannot deny claims from 3rd party. Problem arise only when the offender’s car is uninsured
 

Kiwi8

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I thought by law the insurance will be unable to deny legit claims from 3rd party as long as there’s one in force?

The insurance can only deny claims from the owner of the policy if there’s are any breach of conditions (eg driving under influence of drugs/alcohol, poorly maintained vehicle etc). Of course the insurance can still sue the policy owner to claw back the monies paid to the 3rd parties when conditions are breached.

TLDR:- As long as there is a currently valid car insurance, the insurance cannot deny claims from 3rd party. Problem arise only when the offender’s car is uninsured
Yah I also think the insurer for the Porsche still has to pay the third party claims.

I dun think there is any clause in the insurance terms that mandate the maximum speed the driver should be driving so reckless driving is harder to prove to deny coverage.
 

dezzo69

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481298392_1176949074441428_2433032727254040543_n.jpg


Driver identified as Singapore’s CS Food Director, Jeffrey Loh Chong Hao.
 

CanIsayNo

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knn so many David Coulthard and Nico Rosbergs here teaching, the future of competitive racing in Singapore looks very bright

****ing hell at the speeds we driving in sg taking the bends and turns no need smlj technique. all you need is the self awareness of knowing the limits of your vehicle, drive SUV dipper truck don't take bends at full speed unless you confident, drive low slung sedan don't be a ***** and take bends at 60kmh clogging up the expressway

tyres balding or up for change? don't speed in the rain or take turns at high speeds

these are ****ing commonsense things that every driver should know

seriously.
very common in sg.. we are a nation filled with "project managers" who are in charge of things they have no clue about, and become very cocky and actually believe in their own bullsh1t, thinking they really know it all when they know nothing
 

jq75

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I thought by law the insurance will be unable to deny legit claims from 3rd party as long as there’s one in force?

The insurance can only deny claims from the owner of the policy if there’s are any breach of conditions (eg driving under influence of drugs/alcohol, poorly maintained vehicle etc). Of course the insurance can still sue the policy owner to claw back the monies paid to the 3rd parties when conditions are breached.

TLDR:- As long as there is a currently valid car insurance, the insurance cannot deny claims from 3rd party. Problem arise only when the offender’s car is uninsured
This should be the way
 
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