3rd Party Insurance Claim Workshop Science Drive 2

third party accident insurance claim

3rd Party Insurance Claim Workshop Science Drive 2 Third party insurance is the most basic type of insurance that all cars and truck owners in Singapore should possess. It covers the vehicle driver’s liability in the event that his/her mistake in the crash is verified, and covers the expenses of third party bodily injury and also property damage. You can find thorough information regarding 3rd party insurance in Singapore by seeing its dedicated page on our website below.

What is the Motor Claims Framework (MCF)?

In a nutshell, after a collision, you need to collect information from various other chauffeurs included in the accident, take photos of the occasion, then call an insurance company to report the crash. The last step is to bring the cars and truck to one of the insurance company’s authorized repair work workshop for auto inspection– no issue if any damage to the vehicle has actually taken area or not.

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

Prior to making any type of third party insurance claim in Singapore, or really throughout the world, ensure that the 3rd party’s fault is verified by the cops report. You can still send your car for repair even if the third party’s obligation has actually not yet been confirmed, however you will certainly have to pay for the repair services upfront. The following mini-guide will reveal you step-by-step how to make a 3rd party insurance claim in Singapore:

Action 1: Obtain all relevant information

After the mishap, exchange particulars of involved events consisting of:

  1. Complete Name
  2. NRIC/ FIN
  3. Phone number
  4. Address
  5. The Insurer and also the policy number
  6. You’ll need this information for the report and also to sue to the third party’s insurer

Action 2: Photograph everything

Accumulate as several pieces of proof as possible to support your claim. Take photographs of your auto’s damages, other automobiles involved in the crash, and the crash surroundings. You might also take video clip footage as well as attempt to get witness testaments.

Step 3: Report the crash to your insurance company

In Singapore, you are lawfully required to report ALL electric motor mishaps within 24 hours of its occurrence or the following working day. Also accidents with minor or no vehicle damages, or scenarios where you wish to settle without making a 3rd party insurance claim, must be reported. Call your insurer to send you a lugging vehicle if needed, and also ask any more inquiries you may have. There’s no excuse for not reporting a car crash, as it is now required for each electric motor insurance company in Singapore to have a 24 hrs hotline readily available. You can additionally report an accident in one of the insurance provider’s Approved Reporting Centers.

Not reporting the accident may lead to:

  • Loss of your No Claims Discount upon your policy’s renewal time.
  • The insurer declining/ terminating your plan renewal.
  • The insurance firm rejecting to repay your claim on the grounds that you have actually breached a plan problem by failing to report the mishap. That suggests you would certainly need to pay of pocket for your own vehicle fixing costs as well as any type of extra third party cases.

Step 4: Arrange with the 3rd party’s insurance firm for pre-repair examination

Get in touch with the 3rd party’s insurance company as well as let them evaluate your cars and truck’s damage before sending it for fixing. The third party’s insurance firm has two functioning days to execute the pre-repair examination after you have actually contacted them. You can not begin your auto’s repair procedure up until the pre-repair evaluation is total, or up until the 3rd party insurer has actually forgoed the right to the investigation. Discover more regarding pre-repair assessment demands here.

Relying on whether the mistake of the various other vehicle driver is already validated or otherwise, you might select two different options for filling up the claim

You can bring your car to the third party insurance provider’s Approved Reporting Center/ Authorized Workshop as well as make the required repair services there if the other chauffeur’s mistake is established.

If the liability for the mishap has actually not yet been verified, you can ask your very own insurance provider’s APR to aid you liaise with the 3rd party insurer in your name.

Tip 5: Proceed with the repair service as well as claim

After the assessment is ended up, and you have actually received a repair work price quote price, you can proceed with the repair work. {Most likely you would certainly have to clear up upfront the fee for the repair services with the workshop straight if the 3rd party’s responsibility has actually not been validated yet.|Most most likely you would certainly have to settle ahead of time the cost for the fixings with the workshop directly if the third party’s liability has not been confirmed.|If the third party’s responsibility has actually not been verified yet, most likely you would have to clear up upfront the cost for the repairs with the workshop straight.

If you have an authorities report that plainly mentions the other driver’s mistake in the accident, and also that you agreed with the third party’s insurance firm on the repair expenses and compensation, you may continue with the fixings without the requirement to pay upfront. The workshop will certainly submit your claim against the third party’s insurance for you, presuming all files are in place.

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

On the occasion that you experience a dispute when filing a 3rd party insurance claim in Singapore, you can call Financial Industry Disputes Resolution Centre Ltd (FIDReC) by calling 6327 8878, or be emailing info@fidrec.com.sg. Please bear in mind to provide the FIDReC with all info appropriate to your problem, consisting of: your name, call numbers, the specifics of your problem, and all supporting documents (e.g. document with the 3rd party insurance provider or cops record).

Before making any type of third party insurance claim in Singapore, or really anywhere in the globe, make certain that the third party’s mistake is confirmed by the authorities record. Also mishaps with small or no vehicle damage, or scenarios where you desire to resolve without making a third party insurance claim, have to be reported. Contact the third party’s insurance provider and let them inspect your vehicle’s damage before sending it for repair work. The third party’s insurer has two functioning days to execute the pre-repair evaluation after you have contacted them. You can not start your auto’s repair procedure until the pre-repair evaluation is total, or till the third party insurer has actually waived the right to the examination. 3rd Party Insurance Claim Workshop Science Drive 2