3rd Party Insurance Claim Workshop City Hall

third party accident insurance claim

3rd Party Insurance Claim Workshop City Hall 3rd party insurance is the most basic kind of insurance that all cars and truck proprietors in Singapore must possess. It covers the vehicle driver’s obligation on the occasion that his/her mistake in the accident is validated, and covers the costs of 3rd party bodily injury and building damages. You can locate comprehensive details about 3rd party insurance in Singapore by seeing its dedicated page on our site here.

What is the Motor Claims Framework (MCF)?

In a nutshell, after an accident, you need to gather info from various other vehicle drivers included in the crash, take photographs of the event, then call an insurance company to report the mishap. The last action is to bring the car to one of the insurer’s licensed fixing workshop for cars and truck evaluation– no matter if any type of damages to the vehicle has actually taken place or not.

How do I make a third party insurance claim in Singapore?

Before making any type of 3rd party insurance claim in Singapore, or really throughout the world, ensure that the 3rd party’s fault is confirmed by the authorities report. You can still send your cars and truck for repair work even if the 3rd party’s liability has not yet been validated, yet you will have to pay for the repair services upfront. The following mini-guide will certainly show you detailed exactly how to make a 3rd party insurance claim in Singapore:

Action 1: Obtain all relevant information

After the crash, exchange details of involved parties including:

  1. Complete Name
  2. NRIC/ FIN
  3. Telephone number
  4. Address
  5. The Insurer and the policy number
  6. You’ll need this information for the report as well as to file a claim to the 3rd party’s insurance firm

Step 2: Photograph whatever

Accumulate as lots of pieces of proof as possible to sustain your claim. Take photos of your cars and truck’s damages, various other lorries associated with the mishap, as well as the mishap environments. You may additionally take video footage and also try to obtain witness statements.

Step 3: Report the mishap to your insurer

In Singapore, you are legally required to report ALL electric motor crashes within 24 hours of its event or the next functioning day. Even mishaps with small or no car damages, or situations where you want to settle without making a 3rd party insurance claim, need to be reported. Call your insurance firm to send you a hauling vehicle if needed, as well as ask any type of more questions you may have. There’s no justification for not reporting an auto accident, as it is now necessary for each motor insurer in Singapore to have a 24 hrs hotline available. You can also report a crash in among the insurer’s Approved Reporting Centers.

Not reporting the accident may result in:

  • Loss of your No Claims Discount upon your policy’s revival time.
  • The insurance company declining/ terminating your plan revival.
  • The insurer rejecting to compensate your claim on the grounds that you have breached a plan condition by failing to report the accident. That implies you would certainly have to pay out of pocket for your own automobile repair expenditures and any kind of additional third party cases.

Step 4: Arrange with the third party’s insurance firm for pre-repair inspection

Call the third party’s insurer as well as let them evaluate your automobile’s damages before sending it for repair work. You can not begin your vehicle’s repair work process till the pre-repair examination is full, or up until the third party insurance firm has forgoed the right to the investigation.

Depending upon whether the fault of the various other motorist is currently validated or otherwise, you might pick 2 various alternatives for filling the claim

You can bring your cars and truck to the third party insurance firm’s Approved Reporting Center/ Authorized Workshop and also make the essential repair work there if the various other chauffeur’s fault is established.

If the liability for the mishap has actually not yet been confirmed, you can ask your very own insurer’s APR to aid you liaise with the third party insurer in your name.

Tip 5: Proceed with the repair and also claim

After the assessment is completed, and you have received a repair service estimate expense, you can proceed with the repairs. {Probably you would need to work out in advance the charge for the repair work with the workshop straight if the 3rd party’s liability has not been confirmed yet.|Most likely you would have to settle in advance the cost for the repair work 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 validated yet, most most likely you would certainly have to settle ahead of time the cost for the repair services with the workshop directly.

Nevertheless, if you have a police report that clearly specifies the other chauffeur’s fault in the accident, and that you agreed with the third party’s insurer on the repair prices and also payment, you might proceed with the repairs without the demand to pay upfront. The workshop will submit your claim versus the third party’s insurance for you, thinking all files are in place.

What happens if I have a dispute with the 3rd party insurer?

In case you experience a dispute when filing a 3rd party insurance claim 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 remember to provide the FIDReC with all details relevant to your grievance, including: your name, call numbers, the specifics of your problem, and all sustaining papers (e.g. correspondence with the 3rd party insurance company or cops record).

Before making any third party insurance claim in Singapore, or in fact anywhere in the world, make certain that the third party’s mistake is validated by the authorities report. Even mishaps with small or no automobile damages, or circumstances where you desire to work out without making a third party insurance claim, have to be reported. Call the third party’s insurer and also allow them evaluate your vehicle’s damage before sending it for repair. The third party’s insurer has two working days to execute the pre-repair evaluation after you have actually contacted them. You can not start your cars and truck’s repair procedure till the pre-repair assessment is full, or till the third party insurance company has forgoed the right to the examination. 3rd Party Insurance Claim Workshop City Hall