I Got Into An Accident That Wasn T My Fault

I Got Into An Accident That Wasn T My Fault – A driver’s guide with branded content on what to do (and what NOT to do) if you have an accident in Singapore Dos and Don’ts.

This article was written in collaboration with the General Insurance Association of Singapore (GIA Singapore). All opinions expressed in this article are independent opinions based on our research. is not responsible for any financial loss that may arise from any transaction and readers are encouraged to do their own homework. You can view our full editorial policy here.

I Got Into An Accident That Wasn T My Fault

Getting into a car accident is something that no driver wants. Whether it is careless driving on our part, or an inevitable and unfortunate accident that affects us, it is our duty as drivers to know what to do (and not do) when we have an accident in Singapore.

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First of all, we should know that in Singapore, all drivers must purchase car insurance for their cars before they can legally drive.

According to the General Insurance Association (GIA) Singapore, there are different types of car insurance policies that you can buy in Singapore. They are 1) The Third Party, 2) The Third Country, Fire and Theft and 3) The Exalted.

Third party car insurance is the least expensive type of insurance policy you need in Singapore. This type of vehicle insurance policy covers the death or injury of some parties, as well as property damage of others. However, they do not cover your vehicle. Third party, fire and theft insurance for cars is similar to third party car insurance. The main difference here is that you enjoy coverage for your vehicle if it is damaged by fire or theft.

Comprehensive vehicle insurance covers all damage to third parties as well as damage to your vehicle. With these insurance policies, you are purchasing coverage that protects you from potential liabilities to third parties, and any damage caused to your vehicle.

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In the context of insurance, moral hazard refers to the risk that a party can be different (i.e. driving dangerously), knowing that their car, and other vehicles, are insured against major damage that occurs in an accident. .

Basically, what’s happening in these scams is that the insurance fraud team intentionally (and dangerously) creates an accident on the road. Soon after an accident, an uninsured vehicle (or multiple vehicles) may find themselves in a situation with “claimants professionals” who offer “help” to recover their vehicle. damage to a recommended repair shop and even helps with both. documents required to file a claim. insurance. . After that, the excess cost is added to the repair costs, and the “professional claimant” gets a commission from the garage to bring the damaged cars for repair.

In other words, the trick here is to cause an accident, convince the driver to send their car to a recommended garage for repairs, and bill the repair costs for an insurance claim so the scammer gets a commission. from the garage.

Instead of panicking when we get into an accident and possibly joining an insurance fraud group, it’s better to understand and follow the right steps on what to do when an accident occurs.

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For this it is best to refer to the Motor Requirements Framework (MCF). The MCF was established to provide a clear and common way to report road accidents and is fully supported by all insurers in Singapore. It provides drivers with a better claims experience while helping to reduce claims costs for insurers.

This is the first thing you should do: run away from any place that will cause you immediate danger.

If you or someone else is seriously injured, call 995 if you can. Otherwise, remove yourself from any danger immediately and wait for help. If you expect to wait there for some time, place a flashing warning sign at least 20 meters from your vehicle.

Once you are in a safe situation, or if the accident happened in a place where it will not cause danger to any party, take pictures of the scene.

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The pictures you will take include 1) the scene of the accident, the accident car and the surrounding area. Then take 2) photos of the damage to your car and its license plate, and 3) photos of the damage done to all the other cars that were involved in the accident and have their license plates.

If you have a video in your vehicle, that’s great. Save This, along with the photos taken, can be evidence for your claim.

If you’re on the highway and need a tow truck, the Highway Management and Advisory System (EMAS) will already be on its way to move your vehicle to the nearest one. However, you still need to plan to bring to your workshop. If you are/are not on the highway and need a tow truck, call your insurer’s tow line or additional risk advice. Your insurer will provide you with shipping services (if required) and advise you on what to do.

One of the mistakes that many drivers have is that there is no need to notify the insurer if they do not intend to make a claim against the insurer or if they intend to enter into a private settlement with another party. This is not true. Regardless of whether you intend to file a claim with your insurer, stay confidential, or even if the other party accepts liability, you should still report the accident to your insurer within 24 hours. This also applies to minor damage, or even if there is no visible damage.

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By reporting the accident within 24 hours, it protects you from any claims that the other party may make with the insurer, even if they initially told you that they did not intend to report the accident . Here you can submit all the photo and video evidence you have recorded.

If you do not report an accident on your part within the 24-hour accident period, you risk your insurer denying liability because you have violated the terms of the policy for not reporting an accident. This may mean that you will not be protected under the policy and you may have to work with your repair costs and any third party claims against you. Finally, your No Claims Discount (NCD) will be waived after your policy is renewed and your insurer may cancel or refuse to renew your policy.

Another thing to note is that reporting an accident, or even making a claim on your damage insurance, does not automatically mean your NCD will be rejected.

As for the drivers who have claimed on their own, once they have been compensated, their insurer will start collecting from the driver’s insurer if it can be proven that the driver is responsible for the accident. The insurer will not include your Claim Discount (NCD) on subsequent renewals if recovery is successful.

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This may come as a surprise to some drivers, but filing a police report if you’ve been in an accident is not always necessary. However, you need to know when you should file a traffic police report and when you shouldn’t.

You should file a police report as soon as possible or within 24 hours of the accident if it involves:

Note that filing a traffic police report is not the same as filing a report with your insurer. So you still need to report it to your insurer within 24 hours or the next business day.

If an accident occurs, the first thing to do is to make sure that everyone is safe. After that, we should focus on following the correct risk reporting process. The last thing we want is to make the wrong decision that leads to more problems.

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Even a small accident (without injury) can cause stress and anxiety for the drivers involved. This is where insurance fraudsters, ironically the ones who cause the accident in the first place, thrive. By offering their help without asking for help to tow your car to a recommended garage and even helping you make a claim (swelling), these organizations plan to take advantage of drivers who have no idea what they are doing. they should do after they have an accident.

If you are contacted by any unauthorized party, or if insurance fraud is suspected, you should collect valid evidence and information and submit it to GIA. This may include video from your car.

Finally, always remember to contact your insurer if you have an accident and use an authorized repairer for your repairs.

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