3rd Party Insurance Claim Workshop Alexandra Lane

third party accident insurance claim

3rd Party Insurance Claim Workshop Alexandra Lane 3rd party insurance is one of the most fundamental type of insurance that all auto proprietors in Singapore should have. It covers the driver’s liability in the event that his/her fault in the mishap is verified, as well as covers the expenses of third party physical injury and residential or commercial property damages. You can find thorough info concerning third party insurance in Singapore by seeing its devoted web page on our site here.

What is the Motor Claims Framework (MCF)?

In a nutshell, after an accident, you should gather info from other vehicle drivers involved in the crash, take photographs of the occasion, after that call an insurance provider to report the mishap. The last step is to bring the auto to one of the insurer’s authorized repair service workshop for auto assessment– no matter if any damages to the vehicle has taken place or not.

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

Before making any third party insurance claim in Singapore, or really anywhere in the globe, make certain that the third party’s mistake is confirmed by the police record. You can still send your auto for repair service even if the 3rd party’s liability has not yet been confirmed, yet you will need to pay for the fixings upfront. The complying with mini-guide will reveal you step-by-step just how to make a third party insurance claim in Singapore:

Action 1: Obtain all relevant details

After the accident, exchange particulars of involved celebrations including:

  1. Complete Name
  2. NRIC/ FIN
  3. Telephone number
  4. Address
  5. The Insurer and the plan number
  6. You’ll require this info for the record and also to sue to the 3rd party’s insurance firm

Action 2: Photograph whatever

Collect as many pieces of evidence as possible to support your claim. Take photos of your cars and truck’s damage, various other automobiles involved in the mishap, as well as the accident environments. You might also take video footage as well as attempt to get witness testimonies.

Action 3: Report the mishap to your insurance company

In Singapore, you are lawfully obliged to report ALL motor mishaps within 24 hours of its incident or the following functioning day. Also accidents with small or no auto damage, or situations where you want to clear up without making a 3rd party insurance claim, have to be reported. Call your insurance provider to send you a pulling vehicle if necessary, as well as ask any additional concerns you might have. There’s no reason for not reporting an auto accident, as it is now necessary for every electric motor insurance company in Singapore to have a 24 hrs hotline readily available. You can additionally report an accident in one of the insurer’s Approved Reporting Centers.

Not reporting the mishap might lead to:

  • Loss of your No Claims Discount upon your plan’s renewal time.
  • The insurer declining/ cancelling your plan renewal.
  • The insurer refusing to reimburse your claim on the grounds that you have actually breached a policy condition by failing to report the mishap. That suggests you would need to pay of pocket for your very own car repair work expenses and any added third party cases.

Tip 4: Arrange with the 3rd party’s insurance company for pre-repair evaluation

Contact the third party’s insurer as well as let them examine your automobile’s damages before sending it for repair. The third party’s insurance firm has two working days to carry out the pre-repair examination after you have contacted them. You can not start your vehicle’s fixing procedure up until the pre-repair inspection is complete, or till the 3rd party insurance provider has waived the right to the investigation. Discover more concerning pre-repair inspection needs right here.

Relying on whether the fault of the various other vehicle driver is already validated or not, you may choose 2 various alternatives for filling the claim

If the various other vehicle driver’s fault is developed, you can bring your automobile to the third party insurer’s Approved Reporting Center/ Authorized Workshop and make the required fixings there.

You can ask your very own insurance firm’s APR to assist you liaise with the third party insurer in your name if the liability for the mishap has actually not yet been validated.

Step 5: Proceed with the fixing and claim

After the examination is completed, as well as you have gotten a repair work price quote cost, you can proceed with the repair services. {Probably you would certainly have to resolve in advance the charge for the repair services with the workshop straight if the 3rd party’s liability has not been validated yet.|Most likely you would certainly have to settle in advance the cost for the repairs with the workshop straight if the third party’s responsibility has actually not been confirmed.|If the third party’s liability has actually not been verified yet, most likely you would certainly have to clear up ahead of time the fee for the fixings with the workshop directly.

If you have an authorities report that plainly specifies the other vehicle driver’s fault in the mishap, and that you agreed with the third party’s insurance firm on the fixing expenses as well as settlement, you may continue with the repair services without the need to pay upfront. The workshop will certainly send your claim versus the 3rd party’s insurance for you, thinking all papers remain in area.

Suppose I have a dispute with the 3rd party insurance firm?

In case you experience a disagreement when filing a 3rd party insurance claim in Singapore, you can get in touch with Financial Industry Disputes Resolution Centre Ltd (FIDReC) by calling 6327 8878, or be emailing info@fidrec.com.sg. Please keep in mind to offer the FIDReC with all information appropriate to your issue, including: your name, contact numbers, the specifics of your issue, and all supporting files (e.g. document with the 3rd party insurance firm or police record).

Before making any type of third party insurance claim in Singapore, or actually anywhere in the globe, make certain that the third party’s mistake is confirmed by the police record. Also accidents with small or no vehicle damage, or circumstances where you want to settle without making a third party insurance claim, need to be reported. Get in touch with the third party’s insurance provider and allow them check your auto’s damage before sending it for repair. The third party’s insurance provider has 2 working days to perform the pre-repair assessment after you have actually called them. You can not begin your vehicle’s repair process till the pre-repair examination is full, or till the third party insurance provider has actually waived the right to the investigation. 3rd Party Insurance Claim Workshop Alexandra Lane