3rd Party Insurance Claim Expert Services Kian Teck Drive

third party accident insurance claim

3rd Party Insurance Claim Expert Services Kian Teck Drive Third party insurance is one of the most fundamental kind of insurance that all car owners in Singapore have to have. It covers the driver’s liability on the occasion that his/her fault in the crash is confirmed, and covers the costs of 3rd party physical injury and also residential or commercial property damages. You can find detailed details regarding third party insurance in Singapore by visiting its devoted web page on our site here.

What is the Motor Claims Framework (MCF)?

In a nutshell, after an accident, you should collect information from other drivers involved in the mishap, take photographs of the event, then call an insurance firm to report the accident. The last action is to bring the cars and truck to one of the insurance provider’s licensed fixing workshop for car assessment– no matter if any kind of damage to the car has taken location or not.

How do I make a 3rd party insurance claim in Singapore?

Prior to making any kind of 3rd party insurance claim in Singapore, or in fact anywhere in the globe, make sure that the 3rd party’s fault is confirmed by the authorities report. You can still send your cars and truck for repair service even if the 3rd party’s liability has not yet been validated, however you will have to spend for the repair services in advance. The adhering to mini-guide will reveal you detailed just how to make a 3rd party insurance claim in Singapore:

Step 1: Obtain all relevant details

After the accident, exchange details of included celebrations consisting of:

  1. Full Name
  2. NRIC/ FIN
  3. Telephone number
  4. Address
  5. The Insurer and also the plan number
  6. You’ll need this info for the report and also to file a claim to the 3rd party’s insurer

Action 2: Photograph every little thing

Gather as several items of evidence as possible to support your claim. Take photos of your car’s damage, various other automobiles involved in the mishap, as well as the mishap environments. You may additionally take video footage as well as try to obtain witness testimonies.

Step 3: Report the accident to your insurance company

In Singapore, you are legally required to report ALL motor crashes within 24 hrs of its occurrence or the following functioning day. Even mishaps with small or no auto damage, or situations where you wish to clear up without making a third party insurance claim, should be reported. Call your insurance firm to send you a towing vehicle if essential, and ask any type of further inquiries you might have. There’s no justification for not reporting an auto accident, as it is now required for each electric motor insurance provider in Singapore to have a 24 hours hotline available. You can also report an accident in one of the insurance firm’s Approved Reporting Centers.

Not reporting the mishap may cause:

  • Loss of your No Claims Discount upon your policy’s renewal time.
  • The insurance company decreasing/ cancelling your policy revival.
  • The insurance company refusing to reimburse your claim on the grounds that you have actually breached a plan problem by falling short to report the crash. That means you would certainly have to pay out of pocket for your very own cars and truck fixing expenditures and any kind of additional third party cases.

Step 4: Arrange with the third party’s insurance company for pre-repair evaluation

Contact the 3rd party’s insurance provider as well as let them evaluate your auto’s damage prior to sending it for repair. The third party’s insurance company has 2 working days to perform the pre-repair assessment after you have actually contacted them. You can not start your car’s fixing process until the pre-repair inspection is total, or till the third party insurance company has forgoed the right to the investigation. Discover more about pre-repair examination needs right here.

Depending on whether the fault of the various other motorist is already verified or otherwise, you may select 2 various alternatives for loading the claim

If the various other driver’s fault is established, you can bring your cars and truck to the 3rd party insurance provider’s Approved Reporting Center/ Authorized Workshop as well as make the needed repair work there.

If the obligation for the mishap has actually not yet been verified, you can ask your very own insurance firm’s APR to assist you communicate with the 3rd party insurer in your name.

Step 5: Proceed with the repair work as well as claim

After the assessment is completed, and you have obtained a repair quote expense, you can wage the repairs. {More than likely you would certainly need to work out in advance the charge for the repair services with the workshop directly if the 3rd party’s responsibility has actually not been confirmed yet.|Most likely you would certainly have to resolve upfront the fee for the repairs with the workshop straight if the third party’s liability has actually not been validated.|If the third party’s obligation has actually not been verified yet, most most likely you would have to settle ahead of time the cost for the repair work with the workshop directly.

If you have a police report that clearly mentions the other vehicle driver’s fault in the crash, as well as that you agreed with the third party’s insurance provider on the repair work costs and compensation, you may proceed with the repair services without the demand to pay upfront. The workshop will send your claim against the 3rd party’s insurance for you, presuming all records remain in place.

What happens if I have a dispute with the third party insurance company?

In the event that you experience a dispute when submitting a 3rd Party Insurance Claim Expert Services in Singapore, you can speak to Financial Industry Disputes Resolution Centre Ltd (FIDReC) by calling 6327 8878, or be emailing info@fidrec.com.sg. Please keep in mind to provide the FIDReC with all info relevant to your issue, including: your name, contact numbers, the specifics of your problem, and all sustaining papers (e.g. communication with the 3rd party insurance firm or cops report).

Prior to making any kind of third party insurance claim in Singapore, or in fact anywhere in the world, make certain that the third party’s mistake is verified by the authorities report. Even accidents with minor or no auto damage, or circumstances where you want to work out without making a third party insurance claim, need to be reported. Get in touch with the third party’s insurer and allow them examine your car’s damage before sending it for fixing. The third party’s insurance firm has 2 functioning days to perform the pre-repair inspection after you have called them. You can not start your auto’s repair work process till the pre-repair examination is full, or up until the third party insurance provider has waived the right to the investigation. 3rd Party Insurance Claim Expert Services Kian Teck Drive