Are you a Singaporean driver who is looking to file an accident claim for your car?
We help our customers 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.
In spite of troubles that come with claims processes, knowing your rights and correct procedures are absolutely essential should you ever be in such an undesirable situation.
What To Do After A Car Accident?
- Make sure there are no injuries sustained by you or your passengers.
- If any injuries have been sustained, or if any public property has been damaged, you must make a police report.
- Get out of the vehicle and photograph the scene of the accident. Include pictures of all vehicles that were involved, as well as their license plate numbers.
- 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.
- If your vehicle is not drivable, call for a towing truck to remove your vehicle from the scene.
- An accident report of the incident must be done within twenty-four hours of it happening, even if it is very minor.
- File a claim against the insurance to cover repairs for damaged automobiles.
The Process Of Filing Insurance Claims
After you take the right steps and file the accident report, you need to file a claim for the vehicle damages.
If the damage was your fault, you would be filing a claim against your personal insurance for your vehicle repairs. 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 the damage was another driver’s fault, you would be filing a claim against their insurance. This is called “third-party claims” or TP Claims.
If you are responsible for the accident and have damaged another driver’s vehicle, that driver would also file a TP Claim against your insurance policy. For these claims, there are not typically 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 the 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 our clients to not 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 functions during crucial moments.
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?
- An Owner & Driver IC and Driver’s License
- Certificate of Insurance
- Your vehicle (if you cannot drive, it will need to be towed here)
- ALL details of the other parties
Our company is happy to provide assistance in submitting the report regardless of the insurance company from whom you purchased your policy.
Give us a call, and we will be able to advise you accordingly.
Types Of Claims We Accept
Own Damage Claims
If you want to make a claim against your own insurance company and your policy allows the repair shop of your choice to fix your automobile, please drop by and we are able to help you with the necessary paperwork and the repair details.
However, for policies that specify that automobile repair is only to be done at authorized workshops, give us a call and we will advise you accordingly.
Please note, by making a claim against your own insurance (unless for windscreen damage), 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.
We are able to assist you with TP claims if you are the victim of an accident. Simply send your damaged vehicle to our repair shop or give us a call if your vehicle cannot be driven and we will send you a tow truck to be of service.
We will help you with all the necessary paperwork for filing a claim. For repairing vehicles, we use only original or original-equivalent parts, which ensures the reliability of the vehicle after repairs are done.
While you wait for your vehicle to be fully repaired, we will lend you a courtesy car for your use during the repair period.
If the accident happens to be a hit-and-run and you have a witness, we can also assist you in filing a TP claim.
Accident Injury Claims
We are also able to help you with filing an injury claim. Please give us a call and we will be happy to advise you properly.
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 are able to claim your repair costs against the other driver’s insurance.
This is known as a TP claim. However, if you are at fault, then you are only able to claim repair costs against your personal insurance, which typically requires you to pay an excess fee.
What Are The Advantages Of Filing Claims With You?
We have almost thirty years of experience in handling accident repairs and insurance claims. This allows us to assure you that:
- Your vehicle will be repaired to its original condition and you are guaranteed to be satisfied with its repair quality.
- The claims process will be smooth due to our level of expertise.
- We have our own fleet of rental vehicles, so we are able to lend our clients vehicles to use at very reasonable prices, even free at times.