3rd Party Insurance Claim Workshop Sembawang Crescent

third party accident insurance claim

3rd Party Insurance Claim Workshop Sembawang Crescent Third party insurance is the most basic sort of insurance that all vehicle proprietors in Singapore should possess. It covers the vehicle driver’s obligation in case his/her fault in the crash is verified, as well as covers the prices of 3rd party physical injury and also residential or commercial property damage. You can discover detailed information regarding 3rd party insurance in Singapore by visiting its committed web page on our website here.

What is the Motor Claims Framework (MCF)?

In a nutshell, after an accident, you need to accumulate info from various other chauffeurs entailed in the mishap, take photographs of the occasion, then call an insurance provider to report the crash. The last action is to bring the automobile to one of the insurer’s licensed repair workshop for auto inspection– no issue if any kind of damages to the lorry has taken area or not.

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

Prior to making any kind of 3rd party insurance claim in Singapore, or actually throughout the globe, make sure that the 3rd party’s fault is confirmed by the cops record. You can still send your automobile for fixing even if the third party’s responsibility has actually not yet been verified, but you will certainly need to spend for the fixings upfront. The adhering to mini-guide will certainly show you step-by-step just how to make a 3rd party insurance claim in Singapore:

Action 1: Obtain all pertinent information

After the accident, exchange details of involved events including:

  1. Complete Name
  2. NRIC/ FIN
  3. Phone number
  4. Address
  5. The Insurer as well as the policy number
  6. You’ll require this info for the report and also to file a claim to the third party’s insurer

Action 2: Photograph whatever

Collect as lots of items of proof as possible to sustain your claim. Take photographs of your auto’s damages, various other automobiles involved in the mishap, and also the crash environments. You might likewise take video clip footage and also try to obtain witness testimonies.

Step 3: Report the mishap to your insurance firm

In Singapore, you are legally obliged to report ALL electric motor crashes within 24 hours of its event or the following working day. Also mishaps with minor or no auto damages, or circumstances where you intend to work out without making a 3rd party insurance claim, have to be reported. Call your insurance firm to send you a pulling vehicle if essential, and ask any further inquiries you might have. There’s no justification for not reporting an auto accident, as it is now necessary for every motor insurer in Singapore to have a 24 hours hotline readily available. You can likewise report an accident in one of the insurance provider’s Approved Reporting Centers.

Not reporting the mishap may cause:

  • Loss of your No Claims Discount upon your policy’s revival time.
  • The insurer declining/ cancelling your plan renewal.
  • The insurer rejecting to repay your claim because you have breached a plan problem by failing to report the mishap. That suggests you would certainly need to pay out of pocket for your very own auto repair work expenditures and also any additional third party insurance claims.

Step 4: Arrange with the 3rd party’s insurer for pre-repair inspection

Call the third party’s insurance firm and let them inspect your car’s damages prior to sending it for fixing. You can not start your cars and truck’s repair procedure until the pre-repair assessment is total, or until the third party insurance firm has actually forgoed the right to the investigation.

Relying on whether the fault of the various other vehicle driver is currently confirmed or otherwise, you may choose two various choices for filling the claim

If the various other motorist’s fault is established, you can bring your vehicle to the 3rd party insurance firm’s Approved Reporting Center/ Authorized Workshop and make the essential repair services there.

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

Tip 5: Proceed with the repair and claim

After the assessment is finished, and you have gotten a repair service price quote expense, you can proceed with the fixings. {More than likely you would certainly have to clear up in advance the cost for the repairs with the workshop straight if the third party’s obligation has not been validated yet.|Most most likely you would certainly have to work out in advance the fee for the fixings with the workshop directly if the third party’s obligation has actually not been confirmed.|If the third party’s responsibility has not been confirmed yet, most most likely you would have to settle upfront the charge for the repair services with the workshop straight.

However, if you have an authorities report that clearly mentions the other vehicle driver’s mistake in the mishap, which you agreed with the 3rd party’s insurance provider on the repair work prices and also payment, you may proceed with the repair work without the need to pay upfront. The workshop will send your claim versus the 3rd party’s insurance for you, presuming all papers remain in place.

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

In the event that you experience a disagreement when submitting 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 keep in mind to offer the FIDReC with all details appropriate to your issue, including: your name, contact numbers, the specifics of your complaint, and all supporting records (e.g. document with the 3rd party insurance company or authorities record).

Before making any type of third party insurance claim in Singapore, or in fact anywhere in the world, make sure that the third party’s fault is confirmed by the police record. Even accidents with minor or no vehicle damages, or scenarios where you want to clear up without making a third party insurance claim, have to be reported. Call the third party’s insurance company and also let them inspect your vehicle’s damage before sending it for repair service. The third party’s insurer has 2 working days to execute the pre-repair inspection after you have called them. You can not start your cars and truck’s repair service process up until the pre-repair inspection is total, or till the third party insurer has forgoed the right to the examination. 3rd Party Insurance Claim Workshop Sembawang Crescent