Car Accident Injury Claim Singapore

paperwork and documentation for relevant court authority claim or trial

Are you a driver who is looking to file an accident or injury claim for your car?

We help you to file claims from their insurance companies so they can get the compensation they deserve.

In the world of auto insurance, the details of claims can often be troublesome.

Despite the troubles that come with claims processes, knowing your rights and correct procedures are essential should you ever be in such an undesirable situation.

What To Do After A Traffic Accident?

  1. Make sure there are no personal injuries sustained by you or your passengers incurred due to the accident.
  2. If any injuries have been sustained, or if any public property has been damaged, you must make a police report.
  3. Take photos of the scene of the accident. Include pictures of all vehicles that were involved, as well as their license plate numbers.
  4. Exchange contact information with the other drivers in the incident, making sure to take photographs of insurance cards and driver’s licenses of all parties for evidence to support.
  5. If your vehicle is not drivable, call for a towing truck to remove it from the scene.
  6. An accident report of the incident must be done within twenty-four hours of it happening and can be to your insurers, even if it is very minor or serious. Your insurer may assist with you this.
  7. File a claim against the insurance to cover repairs for damaged automobiles and receive compensation as soon as possible. Whoever is at fault will need to pay and bear the responsibility.

The Process Of Submitting Insurance Claims

After you take the right steps and file the accident report, you need to file a claim for the damages.

If the accident is your fault, you will be claiming against your insurance. This is also known as “own-damage claims” or OD Claims. There is typically a fee associated with these that you will be responsible for, called excess fees.

If it is another driver’s fault, you would be claiming against their insurance. This is called “third-party claims” or TP Claims.

If you are responsible for the accident, the other driver would also file a TP Claim against your insurance policy. For these claims, there are no excess fees to be paid.

The disadvantage of claiming an OD or having a TP claim filed against your insurance policy is that you will lose thirty percent of your “No Claims Discount (NCD)” upon renewing your insurance. Depending on the amount of claims filed, your insurance’s base premium may inflate as well.

For most automobile accidents, the liability is clear; however, there are many cases where the fault is unclear and both parties involved would insist that they were in the right while attempting to claim each other’s insurance.

In these cases, it could be difficult to discern who is right or wrong and it could even develop into a legal case. A legal case is very time-consuming and costly; some cases could take years to settle.

To prevent uncertain cases from happening, an effective solution is installing a camera in your vehicle. With road events recorded, it is easy to determine who is responsible for the mishap. While there are several on the market, we advise not to opt for the cheapest option available.

Cameras are there to assist in the event of a road accident, but there have been several instances where these devices “somehow” cease functioning during crucial moments.

Accident Reporting

If an accident occurs, under the new Motor Claims Framework (MCF), an accident report must always be reported within twenty-four hours.

Failure to comply with the law, in this case, may cause your claim to be later denied, as well as your NCD forfeited when you renew your policy.

What Do I Need To Bring To Make An Accident Report?

  1. An Owner & Driver IC and Driver’s License
  2. Certificate of Insurance
  3. Your vehicle (if you cannot drive, it will need to be towed here)
  4. ALL details of the other parties

Our company is happy to assist in submitting the report regardless of the insurance company from whom you purchased your policy.

Types Of Claims

Own Damage Claims

If you want to make a claim against your own insurance company and your policy allows the workshop of your choice to fix your automobile, seek help by clicking the button below and you will receive help with the necessary paperwork and more.

However, for policies that specify that automobile repair is only to be done at authorized workshops, give us a call.

Please note that by claiming your own insurance, your NCD will be affected. Typically, this will be a 30% reduction.

For policyholders of other insurance companies, do not worry! We have several years of experience in the industry of automobile claims; therefore, we have many contacts and can recommend you to trusted affiliates who will be able to assist you instead.

3rd-Party Claims

Assistance in TP claims is possible if you are the victim of an accident.

Get help with all the necessary paperwork or documentation to submit supporting documents. Get professionals who use only original or original-equivalent parts, which ensures its reliability.

While you wait for it to be fully repaired, a courtesy vehicle will be loaned to you for use during the period.

If the accident happens to be a hit-and-run and you have a witness, you can get assisted with a TP claim.

Accident Injury Claims

A lawyer is also able to help you with legal advice, filing an injury claim for whiplash, pain and suffering 24-hour or court matters. Click on the button below to get started. Get the compensation and support you need to recover fully.

What Is The Difference Between Own Damage And TP Claims?

First, the client’s liability in the accident must be determined. If it can be proven that you are not at fault, then you can claim your repair costs against the other driver’s insurance.

This is known as a TP or third party claim. However, if you are at fault, then you are only able to claim the costs against your insurance, which requires you to pay an excess fee.

Advantages Of Filing Claims

The dedicated team of professionals has almost thirty years of experience in handling accident repairs and payable insurance claims. Click the button below for advice. This allows us to assure you that:

  1. Your vehicle will be repaired to its original condition and you are guaranteed satisfaction.
  2. The claims process will be smooth due to our level of expertise.
  3. Courtesy cars at reasonable prices, even free at times.
  4. Fair compensation for medical expenses and bills.