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Post by hellflame88 on Nov 22, 2010 23:04:09 GMT 8
today is damn suay... I was driving on 1st lane and wanna filter left to turn left into a building.. looking through mirror, i saw a Estima stil quite far away so i proceed to filter.. who knows the estima chiong up n scratch my car bumper... then the driver, a aunty n her husband come out of the car and start shouting at me.. say what i nvr see all these,, it was they themselve chiong while i was ALREADY turning.. so their rear door gt a long black scratch while my already scratch bumper now kenna again on the same spot and become worsen... the best part is, the husband took picture, and say if i dun compensate, they will claim frm my insurance... nw im only 22, n my insurance is alrdy 3k/yr for caren.. if they claim den nxt yr my insurance will be sky high price.. initially i tell them nt my fault, and i no money to pay.. then they start shouting and threaten to call police and claim insurance.. so i lan lan bo bian have to pay them $200... ARRGGHH im so frustrated now... nw im totally borke with $10 in bank n $2 in wallet... any bro knw anyway to earn some money... sigh...
Sorry all bro... jus wanna vent my frustration out.. i believe some of u guys kenna this kind of nonsense before and can understanding my frustration....
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Post by appletree on Nov 22, 2010 23:57:05 GMT 8
I suggest you call and inform your insurance immediately. If needed, they may ask you to send your car to IDAC for photo shoot. It is FREE !!! If you say the couple is so nasty, they may still report you and file a claim. As you did not report immediately, in worst case, your insurance company may release themselve from all liability. YOU PAY ALL DAMAGES AGAIN !! Don't worry this will not affect your future premium unless a claim is filed against you. Do it.....Cover your Carzhng man !!!! Are you sure $200 can slience them ?? today is damn suay... I was driving on 1st lane and wanna filter left to turn left into a building.. looking through mirror, i saw a Estima stil quite far away so i proceed to filter.. who knows the estima chiong up n scratch my car bumper... then the driver, a aunty n her husband come out of the car and start shouting at me.. say what i nvr see all these,, it was they themselve chiong while i was ALREADY turning.. so their rear door gt a long black scratch while my already scratch bumper now kenna again on the same spot and become worsen... the best part is, the husband took picture, and say if i dun compensate, they will claim frm my insurance... nw im only 22, n my insurance is alrdy 3k/yr for caren.. if they claim den nxt yr my insurance will be sky high price.. initially i tell them nt my fault, and i no money to pay.. then they start shouting and threaten to call police and claim insurance.. so i lan lan bo bian have to pay them $200... ARRGGHH im so frustrated now... nw im totally borke with $10 in bank n $2 in wallet... any bro knw anyway to earn some money... sigh... Sorry all bro... jus wanna vent my frustration out.. i believe some of u guys kenna this kind of nonsense before and can understanding my frustration....
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nakshire
FreeLance Seller
Licensed to fart.
Posts: 2,629
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Post by nakshire on Nov 23, 2010 0:18:12 GMT 8
yeh bro, $200 cannot keep their mouth shut.
anyway they bang u from behind, its their fault. tell them that u will claim their insurance instead.
fight case? let them fight. u sure win de
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Post by SkyRay on Nov 23, 2010 3:16:32 GMT 8
not that simple, if i understand correctly from bro hellflame88, e damage was on his left front bumper, the other party can argue that hellflame88 turn left w/o checking.... If it were to be his rear bumper, then hellflame88 would ve cases to fight... In this type of side to side collision, usually its 50-50 claims... But in this particular case, think hellflame88 will ve a hard case to prove that that bugger suddenly speed up... yeh bro, $200 cannot keep their mouth shut. anyway they bang u from behind, its their fault. tell them that u will claim their insurance instead. fight case? let them fight. u sure win de
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Post by SkyRay on Nov 23, 2010 3:22:00 GMT 8
Ya bro hellflame88, i also think u shd inform yr insurer abt e situation & inform them that it is a private settlement, & u ve paid e other party $200... Cos' most insurer have cited in their policy that all incidents must be reported, otherwise they have the rights to deny claims or represent u... The above reporting is just to backup in case the bugger go claim against u & if u didnt inform yr insurer w/in 24 hrs... U may get into trouble w yr insurer if they deny to represent u... Did u take pictures of the bugger's damage? Did u make them sign a 'Private Settlement' form? I suggest you call and inform your insurance immediately. If needed, they may ask you to send your car to IDAC for photo shoot. It is FREE !!! If you say the couple is so nasty, they may still report you and file a claim. As you did not report immediately, in worst case, your insurance company may release themselve from all liability. YOU PAY ALL DAMAGES AGAIN !! Don't worry this will not affect your future premium unless a claim is filed against you. Do it.....Cover your Carzhng man !!!! Are you sure $200 can slience them ?? today is damn suay... I was driving on 1st lane and wanna filter left to turn left into a building.. looking through mirror, i saw a Estima stil quite far away so i proceed to filter.. who knows the estima chiong up n scratch my car bumper... then the driver, a aunty n her husband come out of the car and start shouting at me.. say what i nvr see all these,, it was they themselve chiong while i was ALREADY turning.. so their rear door gt a long black scratch while my already scratch bumper now kenna again on the same spot and become worsen... the best part is, the husband took picture, and say if i dun compensate, they will claim frm my insurance... nw im only 22, n my insurance is alrdy 3k/yr for caren.. if they claim den nxt yr my insurance will be sky high price.. initially i tell them nt my fault, and i no money to pay.. then they start shouting and threaten to call police and claim insurance.. so i lan lan bo bian have to pay them $200... ARRGGHH im so frustrated now... nw im totally borke with $10 in bank n $2 in wallet... any bro knw anyway to earn some money... sigh... Sorry all bro... jus wanna vent my frustration out.. i believe some of u guys kenna this kind of nonsense before and can understanding my frustration....
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Post by dzulpink on Nov 23, 2010 5:50:12 GMT 8
Sadden to hear your encounter,better safeguard yourself make a report to insurance....... wat our brother say is true..
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Post by theredstar on Nov 23, 2010 9:16:11 GMT 8
Bro. Sorry to hear about ur predicament Rule #1: never admit liability Obviously they makan u cos u young chap
Got exchange details? Plate number? Go claim Third Party!!! Think abt it, u scared ur premium soar, they also scared MUST REPORT ACCIDENT to cover backside Who knows they drive 100m down n crash and total loss then pin on u?
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Post by hellflame88 on Nov 23, 2010 10:43:26 GMT 8
1st time kenna den duno wat to do.. didnt manage to record their plate no... only gt the driver IC no.. wat shld i do?
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Post by aaur4man on Nov 23, 2010 11:34:16 GMT 8
if lidat, they shout, i will bring their mama papa down
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Post by TeaNazaR on Nov 23, 2010 15:37:36 GMT 8
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Post by SkyRay on Nov 23, 2010 16:30:12 GMT 8
Actually Bro HellFlame88 can consider to play hardball... also threathen to claim that bugger's insurance... as mentioned, it will probably be 50-50% liability... ie. the other bugger insurance absorb half of the repair cost while HellFlame88's insurer absorb the other half...
But that means a claim was made against Hellflame88 insurance & this claim will stick to him for the next 3 years & his subsequent premium will increase....
I would only suggest play this step only if you are willing to risk the other bugger deciding to claim against insurance.... & on the other hand, hoping that the other bugger will tone down after realising that his own NCD will also be affected...
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Post by dex2008 on Nov 23, 2010 19:54:34 GMT 8
hi TS bro,
sad to hear u kana accident. 1. u should take down their particulars n take pic 2. report to IDAC
report to insurance, its waste of time. cos they only knows how to collect $$
while filtering left @ what speed u are going. on which road etc, let IDAC knows. if all the sudden the other party increase speed, chances of u winning the claims are higher.
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Post by theredstar on Nov 23, 2010 23:33:23 GMT 8
Nice! Where u get this BOLA thingy? I've heard abt it but was told is restricted.
Back to topic, so bro u made report Liao? Better hurry up. Think got a timing one. Dunno 24 or 48 hr Tell them u doing accident reporting n not claiming. Also, if ur damage not too bad, dun repair yet Cos if u repair using ur own workshop, v hard to claim TP later, if not impossible. Cos need simi assessor and lawyer before commencing.... From what I learnt lah And if u go to insurance workshop, they will charge arm n leg cos 'insurance is paying'
Personal exp, my ncd forfeited but aviva online gave me a pretty decent quote U can try there if u scared expensive
All z best
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Post by appletree on Nov 23, 2010 23:58:38 GMT 8
OK........let me cast in stone on the best practice here: When you are involved in an accident: a) Check if everybody in your car is OK b) Check surrounding if it is safe to get out of the car c) Check with the other driver and party is OK d) Go get a piece of paper and pen (you should have it in your car) e) Start drawing the standard Car A (you) and Car B (other party). f) You and the other driver should agree on the drawing. Counter Sign, if possible. g) Write Full Name, NRIC, Address and contact number on the same piece of paper. h) Check other party for Valid Road Tax, Driving Licence and Insurance if possible. IC match driving licence. If any item is not valid, call police immediately as it is a very seriously offence. Nothing personal, but it is necessary......bobian. j) Take photo k) If the accident is in the middle of a road or inconvinence location suggest you do item d) to g) later. Confirm if there is injuries. If no, move car to roadside. If yes, you cannot move car. Police involvement is needed. m) When you are in contact with the other driver, try not to talk about money, responsible, who at fault. There is no need to start paying Cash or valuable. And no need to be angry or start showing your anger. n) Call insurance company hotline. They will assign an IDAC tow truck whether your car is functional or not. You have the option to drive or tow. p) Go with the assigned IDAC officer to an IDAC office. q) You are given a picture which consist of 16 or more accident scenrio. Choose one of the scenrio which is of close match to yours. r) IDAC officer will given you pen, pencil, eraser, ruler and a standard form. Use pencil for drawing and pen for writing your statement. Car A is your vehicle and Car B is the counter party. A car is drawn as a rectangle box with a triangle. The triangle is the bonnet. Indicate weather, road condition, counter party signal light. Indicate damage on both car. Be honest. s) When you chose your picture as in item q), the officer will generally tell you whether it is a 50/50 or 100%. t) Finally, the IDAC officer will need your input as to i) File a report OR ii) File a claim If you are filing a claim, IDAC officer will inform you to contact your insurance company for repair. u) After a day or two of rest. Contact the other driver. Negotiate. This is the time to talk. At the time of accident, you are very likely to be in the state of panic or worse state of shock. Rule of Insurance Claim A claim usually take about 6 months to 1 year. If you are claiming the counter party insurance, you need to be successfully in claiming 70% or more of the total claim to retain your NCD. Total Claim Amount = Repair Cost + Legal Fee + Admin + Surveyer Fee + Misc (Shipping Charges + Repair Manual etc) In general, total payout in excess $3000 will affect your premium. Once a third party claim is filed and lose. You cannot revert to claim your own insurance. And signing the Power of Attoney will generally results in loss of some rights or decision making. Hope this is useful..... hi TS bro, sad to hear u kana accident. 1. u should take down their particulars n take pic 2. report to IDAC report to insurance, its waste of time. cos they only knows how to collect $$ while filtering left @ what speed u are going. on which road etc, let IDAC knows. if all the sudden the other party increase speed, chances of u winning the claims are higher.
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Post by theredstar on Nov 24, 2010 1:26:21 GMT 8
thx appletree bro! are u from the industry?
i dinno "if TP is filed and lose, cannot revert to OD" was advised it's possible and last resort
but seriously like getting into accident isn't bad enough they must make it administratively prohibitive for us!
so any advice for bro hellflame88 now since he alrdy missed most of the steps....
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Post by appletree on Nov 24, 2010 11:05:09 GMT 8
I am not from this industry......heee.....too many insurance friend..... These days 50/50 case repair shop will not repair lor. They will wait until the dust settle. They will do some light repair so that you car can operate again while waiting for settlement. So you can see on the road, quite a many cars got dent here and there........ I kenna a 50/50 recently, fender dented. The other party was late in reporting by 3 days. After they read the statements. ComfortDegro say it is now 100% so they start repair lor. They are 99% sure that it will be 70%~100%. Recently, I received a loya letter stating they are offering 100% to settle. So sound like case closed hor.....BUT the fine print said the settlement is ONLY for the repair and total claim. Claim pertaining to Injury is not include. The other party have probably up to 7 year to file a claim (Statuary Limit). So I told Hellflame88, better report IDAC for his/her own stake. Late is better than never. We are talking about near infinite liability. No matter how minor the damage, inform your insurance company. It cost nothing but you backside is covered. Recently, got one case taxi driver file injury claim after 1 ro 2 years. 10K to fix teeth which he said is chip off after 1 year and it is due to the accident. In all he is filing 81K in medical fee and damage. Buy Income policy and opt for authorise workshop. Very good service at ComfortDegro, they really replace all the affected part with NEW and Original Part. They offer the standard 9 month warranty for parts and 2 years for the paint work. Really, there is no need to go back to AD. C&C tell me car warranty is for parts. And accident repair is two different thing. If you have a living policy with income, you get another 5% off. I love it !!! Avia is cheap but if you start to add thing like courtesy car etc...it is actually a bit more expensive than Income. Apple to Apple. thx appletree bro! are u from the industry? i dinno "if TP is filed and lose, cannot revert to OD" was advised it's possible and last resort but seriously like getting into accident isn't bad enough they must make it administratively prohibitive for us! so any advice for bro hellflame88 now since he alrdy missed most of the steps....
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Post by TeaNazaR on Nov 24, 2010 11:48:42 GMT 8
no lar not restricted, got it from GIA webby. early this yr oso got involved in side swipe, juz not my luck 50² case even that idiot overtake w/o looking blindspot, thus premium sky rocket. initially i was told i got only 10% wtf??!?? think the other party made up a very good story. luckily got some voice recording to support me... Nice! Where u get this BOLA thingy? I've heard abt it but was told is restricted. Back to topic, so bro u made report Liao? Better hurry up. Think got a timing one. Dunno 24 or 48 hr Tell them u doing accident reporting n not claiming. Also, if ur damage not too bad, dun repair yet Cos if u repair using ur own workshop, v hard to claim TP later, if not impossible. Cos need simi assessor and lawyer before commencing.... From what I learnt lah And if u go to insurance workshop, they will charge arm n leg cos 'insurance is paying' Personal exp, my ncd forfeited but aviva online gave me a pretty decent quote U can try there if u scared expensive All z best
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Post by hellflame88 on Nov 25, 2010 10:13:34 GMT 8
hi all bro.. i all my insurance china taiping and they ask me go to wrkshop n report, bt all wrkshop close at 6, and my wrk end at 6.. n my boss dun let me tk leave.. so nw is lan lan jus pay tat guy n hope nth happen after tat... sian....................
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Post by theredstar on Nov 25, 2010 10:24:53 GMT 8
Nonsense lah Got a few reporting centre one Take MC!!!
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Post by SkyRay on Dec 7, 2010 15:19:11 GMT 8
bro hellflame, any update w yr case? Hope its solved & u r alright???
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Post by hellflame88 on Dec 9, 2010 10:53:17 GMT 8
ya its solved.. i paid him n he didnt pester me.. so consider case close i guess. Thanks for ur concern Skyray.. also i went to my car wrkshop to fit my retractable mirror as the stock is finally in, and the guy touch up the paint on my bumper for free. great service.
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Post by SkyRay on Dec 9, 2010 13:25:30 GMT 8
good to hear that!
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