3rd Party Insurance Claim Workshop West Coast Walk

third party accident insurance claim

3rd Party Insurance Claim Workshop West Coast Walk Third party insurance is one of the most basic type of insurance that all cars and truck proprietors in Singapore need to have. It covers the vehicle driver’s responsibility in case his/her mistake in the accident is confirmed, and covers the costs of 3rd party bodily injury as well as home damages. You can locate thorough details regarding 3rd party insurance in Singapore by seeing its specialized page on our website below.

What is the Motor Claims Framework (MCF)?

In a nutshell, after a crash, you need to collect details from various other chauffeurs included in the mishap, take photos of the occasion, then call an insurance company to report the crash. The last step is to bring the auto to one of the insurance firm’s accredited repair workshop for car inspection– no issue if any kind of damages to the car has actually taken place or not.

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

Before making any kind of 3rd party insurance claim in Singapore, or really anywhere in the globe, make certain that the 3rd party’s mistake is confirmed by the authorities record. You can still send your auto for fixing even if the 3rd party’s obligation has actually not yet been verified, however you will certainly need to pay for the repairs in advance. The complying with mini-guide will show you detailed exactly how to make a 3rd party insurance claim in Singapore:

Action 1: Obtain all pertinent information

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

  1. Complete Name
  2. NRIC/ FIN
  3. Telephone number
  4. Address
  5. The Insurer as well as the policy number
  6. You’ll require this info for the record and also to sue to the third party’s insurance provider

Step 2: Photograph everything

Accumulate as several pieces of proof as possible to support your claim. Take photographs of your automobile’s damages, various other vehicles involved in the accident, and the mishap surroundings. You may also take video clip footage as well as try to obtain witness statements.

Step 3: Report the mishap to your insurance company

In Singapore, you are lawfully required to report ALL motor mishaps within 24 hrs of its occurrence or the next working day. Even accidents with small or no auto damages, or situations where you wish to settle without making a third party insurance claim, should be reported. Call your insurer to send you a hauling truck if necessary, and also ask any additional questions you may have. There’s no reason for not reporting an auto accident, as it is currently necessary for every single motor insurance company in Singapore to have a 24 hrs hotline readily available. You can likewise report a crash in one of the insurance company’s Approved Reporting Centers.

Not reporting the mishap might lead to:

  • Loss of your No Claims Discount upon your plan’s renewal time.
  • The insurance firm declining/ terminating your plan renewal.
  • The insurance firm rejecting to reimburse your claim on the grounds that you have breached a plan condition by stopping working to report the crash. That suggests you would have to pay of pocket for your own car repair work costs as well as any type of added third party claims.

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

Get in touch with the third party’s insurer as well as allow them inspect your vehicle’s damages prior to sending it for fixing. You can not begin your auto’s fixing procedure up until the pre-repair assessment is complete, or until the third party insurance firm has actually forgoed the right to the investigation.

Depending on whether the fault of the various other driver is already validated or otherwise, you might choose two different options for loading the claim

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

If the responsibility for the crash has not yet been confirmed, you can ask your own insurance company’s APR to help you liaise with the 3rd party insurance firm in your name.

Tip 5: Proceed with the fixing and also claim

After the examination is ended up, and you have obtained a repair service price quote expense, you can wage the repairs. {More than likely you would certainly need to work out in advance the charge for the fixings with the workshop directly if the 3rd party’s liability has not been validated yet.|Most likely you would certainly have to settle ahead of time the cost for the repairs with the workshop straight if the third party’s responsibility has actually not been verified.|If the third party’s liability has not been validated yet, most likely you would certainly have to settle ahead of time the charge for the repair work with the workshop straight.

However, if you have a police record that plainly mentions the various other vehicle driver’s fault in the mishap, and that you agreed with the third party’s insurance firm on the repair expenses and also compensation, you might proceed with the repair work without the demand to pay upfront. The workshop will send your claim versus the third party’s insurance for you, thinking all files are in place.

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

In the event that you experience a dispute when submitting a 3rd party insurance claim in Singapore, you can get in touch with 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 details appropriate to your issue, including: your name, contact numbers, the specifics of your problem, and all sustaining papers (e.g. correspondence with the 3rd party insurer or police record).

Prior to making any type of third party insurance claim in Singapore, or actually anywhere in the globe, make certain that the third party’s mistake is verified by the police record. Also crashes with small or no automobile damage, or circumstances where you desire to clear up without making a third party insurance claim, must be reported. Contact the third party’s insurer and also let them inspect your car’s damage before sending it for fixing. The third party’s insurer has 2 working days to execute the pre-repair examination after you have actually contacted them. You can not start your cars and truck’s repair procedure until the pre-repair inspection is total, or up until the third party insurer has forgoed the right to the investigation. 3rd Party Insurance Claim Workshop West Coast Walk