3rd Party Insurance Claim Workshop Tanjong Katong Road South

third party accident insurance claim

3rd Party Insurance Claim Workshop Tanjong Katong Road South Third party insurance is one of the most basic type of insurance that all auto owners in Singapore have to have. It covers the driver’s liability on the occasion that his/her mistake in the crash is validated, as well as covers the prices of 3rd party physical injury as well as residential or commercial property damages. You can locate detailed info concerning 3rd party insurance in Singapore by visiting its specialized page on our internet site here.

What is the Motor Claims Framework (MCF)?

The MCF is a collection of procedures that drivers ought to follow when reporting motor accidents in Singapore. In short, after a crash, you need to accumulate details from various other motorists associated with the crash, take photos of the occasion, then call an insurance provider to report the mishap. The last step is to bring the vehicle to among the insurance provider’s authorized repair service workshop for cars and truck assessment– no matter if any kind of damage to the lorry has actually taken place or not. The MCF also suggests that all mishaps should be reported, and also by not adhering to those guidelines, you run the risk of being fined. To find out even more concerning the MCF, go here to check out an infographic about this plan.

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

Prior to making any type of 3rd party insurance claim in Singapore, or really throughout the world, ensure that the third party’s fault is validated by the police report. You can still send your cars and truck for repair service even if the 3rd party’s liability has actually not yet been verified, yet you will need to pay for the repair services upfront. The complying with mini-guide will reveal you step-by-step how to make a 3rd party insurance claim in Singapore:

Action 1: Obtain all pertinent details

After the crash, exchange details of entailed celebrations consisting of:

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

Step 2: Photograph everything

Accumulate as many pieces of proof as feasible to support your claim. Take photos of your vehicle’s damages, various other cars associated with the crash, and the crash environments. You may additionally take video footage and try to get witness statements.

Step 3: Report the mishap to your insurance company

Even accidents with minor or no automobile damage, or situations where you desire to settle without making a third party insurance claim, must be reported. You can likewise report a mishap in one of the insurance provider’s Approved Reporting Centers.

Not reporting the accident might lead to:

  • Loss of your No Claims Discount upon your policy’s renewal time.
  • The insurance provider decreasing/ cancelling your policy renewal.
  • The insurance company rejecting to compensate your claim because you have breached a policy condition by failing to report the mishap. That indicates you would have to pay of pocket for your very own car repair work expenses and also any extra 3rd party cases.

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

Contact the third party’s insurance provider and allow them examine your vehicle’s damages before sending it for repair. You can not begin your auto’s repair work process up until the pre-repair inspection is full, or up until the third party insurance company has actually forgoed the right to the examination.

Depending on whether the fault of the other vehicle driver is currently validated or otherwise, you might pick two different alternatives for filling the claim

If the other chauffeur’s fault is developed, you can bring your vehicle to the 3rd party insurance firm’s Approved Reporting Center/ Authorized Workshop and make the necessary repairs there.

You can ask your very own insurance company’s APR to assist you communicate with the third party insurance firm in your name if the liability for the accident has actually not yet been confirmed.

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

After the evaluation is completed, and you have actually gotten a repair price quote cost, you can proceed with the repair services. {Probably you would certainly have to clear up upfront the charge for the fixings with the workshop directly if the third party’s obligation has actually not been confirmed yet.|Most most likely you would certainly have to settle upfront the fee for the repairs with the workshop directly if the third party’s obligation has actually not been validated.|If the third party’s responsibility has not been validated yet, most most likely you would have to clear up ahead of time the cost for the fixings with the workshop straight.

If you have a cops report that plainly mentions the other motorist’s fault in the crash, and that you agreed with the third party’s insurance provider on the repair service expenses and also compensation, you might continue with the repair services without the need to pay upfront. The workshop will certainly submit your claim versus the third party’s insurance for you, presuming all documents remain in location.

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

On the occasion that you experience a conflict when filing a 3rd party insurance claim in Singapore, you can contact 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 relevant to your complaint, including: your name, call numbers, the specifics of your problem, and all sustaining files (e.g. correspondence with the 3rd party insurer or cops record).

Before making any third party insurance claim in Singapore, or in fact anywhere in the globe, make sure that the third party’s mistake is verified by the cops record. Also mishaps with small or no car damages, or circumstances where you want to resolve without making a third party insurance claim, should be reported. Call the third party’s insurance company as well as let them examine your auto’s damages before sending it for repair service. The third party’s insurance provider has 2 working days to carry out the pre-repair examination after you have actually called them. You can not start your cars and truck’s repair process till the pre-repair examination is total, or until the third party insurance firm has forgoed the right to the examination. 3rd Party Insurance Claim Workshop Tanjong Katong Road South