3rd Party Insurance Claim Workshop Thomson Walk

third party accident insurance claim

3rd Party Insurance Claim Workshop Thomson Walk Third party insurance is the most basic type of insurance that all vehicle proprietors in Singapore must possess. It covers the chauffeur’s obligation in the event that his/her fault in the mishap is verified, and covers the prices of 3rd party physical injury and also residential or commercial property damages. You can find in-depth details concerning third party insurance in Singapore by seeing its devoted page on our site right here.

What is the Motor Claims Framework (MCF)?

When reporting electric motor crashes in Singapore, the MCF is a collection of treatments that vehicle drivers need to adhere to. In a nutshell, after a collision, you must collect details from other chauffeurs involved in the crash, take photos of the occasion, then call an insurer to report the accident. The last action is to bring the auto to one of the insurance provider’s accredited repair service workshop for vehicle assessment– regardless of if any damage to the car has actually taken place or otherwise. The MCF also implies that all accidents need to be reported, and by not complying with those guidelines, you risk being fined. To discover even more concerning the MCF, click here to check out an infographic regarding this system.

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

Prior to making any kind of 3rd party insurance claim in Singapore, or actually anywhere in the globe, ensure that the 3rd party’s fault is confirmed by the authorities report. You can still send your car for repair even if the third party’s obligation has actually not yet been validated, but you will need to pay for the repairs ahead of time. The adhering to mini-guide will certainly reveal you step-by-step just how to make a 3rd party insurance claim in Singapore:

Action 1: Obtain all pertinent information

After the mishap, exchange details of included events including:

  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 details for the report as well as to file a claim to the 3rd party’s insurer

Step 2: Photograph everything

Accumulate as numerous items of evidence as possible to support your claim. Take photographs of your vehicle’s damages, various other lorries associated with the mishap, as well as the crash surroundings. You may also take video footage and also try to acquire witness testimonies.

Action 3: Report the accident to your insurance company

Even accidents with small or no vehicle damages, or circumstances where you desire to settle without making a third party insurance claim, must be reported. You can additionally report an accident in one of the insurer’s Approved Reporting Centers.

Not reporting the accident might lead to:

  • Loss of your No Claims Discount upon your plan’s renewal time.
  • The insurance firm decreasing/ cancelling your plan renewal.
  • The insurer rejecting to reimburse your claim because you have actually breached a policy problem by stopping working to report the accident. That suggests you would need to pay out of pocket for your very own automobile repair service expenditures and also any added 3rd party cases.

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

Contact the third party’s insurance firm and also allow them evaluate your auto’s damage before sending it for repair work. You can not begin your car’s repair service process up until the pre-repair assessment is total, or till the third party insurance company has forgoed the right to the examination.

Relying on whether the mistake of the other chauffeur is already verified or not, you may pick two various alternatives for filling up the claim

If the other driver’s fault is established, you can bring your automobile to the third party insurance provider’s Approved Reporting Center/ Authorized Workshop and make the necessary repair work there.

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

Step 5: Proceed with the repair as well as claim

After the examination is finished, and you have actually received a repair service estimate cost, you can proceed with the repair work. {Probably you would need to work out in advance the cost for the fixings with the workshop straight if the third party’s responsibility has actually not been confirmed yet.|Most likely you would have to work out ahead of time the fee for the repair services with the workshop straight if the third party’s obligation has not been confirmed.|If the third party’s obligation has not been confirmed yet, most likely you would certainly have to resolve upfront the fee for the repair services with the workshop straight.

However, if you have an authorities report that clearly specifies the other vehicle driver’s fault in the mishap, and that you agreed with the third party’s insurance provider on the repair costs and also compensation, you might wage the repair work without the need to pay upfront. The workshop will certainly submit your claim against the third party’s insurance for you, thinking all files remain in area.

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

In case 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 information relevant to your problem, including: your name, contact numbers, the specifics of your grievance, and all supporting papers (e.g. correspondence with the 3rd party insurance company or police report).

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 mistake is validated by the authorities record. Even accidents with minor or no cars and truck damages, or circumstances where you want to resolve without making a third party insurance claim, should be reported. Get in touch with the third party’s insurer and also let them check your automobile’s damages prior to sending it for repair. The third party’s insurance firm has 2 functioning days to do the pre-repair examination after you have actually contacted them. You can not begin your cars and truck’s fixing process until the pre-repair examination is complete, or until the third party insurance firm has forgoed the right to the examination. 3rd Party Insurance Claim Workshop Thomson Walk