http://www.lawsociety.org.sg/html/awarenes.../road_accid.htm (http://www.lawsociety.org.sg/html/awareness/road_accid.htm)

What to do at the accident site

You should take down the following particulars:-

[list]registration numbers and name of insurance companies of all vehicles involved in the accident.
names, NRIC numbers, addresses and telephone numbers of the drivers, passengers, injured pedestrians and witnesses. [list]

You should also provide your particulars to the other parties involved in the accident.

If it is a serious accident e.g. where someone is injured or has died, call the police. As the police need to draw a sketch plan, do not move the vehicles or dead bodies.

If possible,

[list]make a sketch plan or mental note of the accident site, position of vehicles and any landmarks and
take photographs of all damage caused by the accident. You must keep the negatives of these photographs.[list]



What to do immediately after

[list]Police Report: You should lodge a written police report as soon as possible at any police station or neighbourhood police post. If you are hospitalised as a result of the accident, make your report as soon as you are discharged from hospital.
You have to give all the information mentioned in the above paragraph What to do at the accident site.

The report must be made in English. If you have difficulty, ask someone to help you write a report beforehand, or you can explain the accident to the police officer who will translate it into English and write it for you.

The police report is important because it is the official written record of the accident. Your insurance company, the police and lawyers will refer to it if you make any claim for compensation.

Report to insurance company: You should report the accident to your insurance company (insurers) within the time limit stated in your policy, usually 7 days. Otherwise, your insurers may not accept responsibility for any claims made by you or any third party against you.

Damage to your vehicle: You should arrange for your damaged vehicle to be removed to your workshop or a workshop approved by your insurer for a survey and repair. If, however, you wish to claim against the insurer of the other guilty party, you may wish to afford the insurer an opportunity to inspect your vehicle within a reasonable time (e.g. 48 hours).

Injury to person: If you have been injured, see a doctor immediately and get a medical report. [list]


Keeping records

You should keep a proper record of the following:

[list]particulars in the above paragraph What to do at the accident site.
copies of police reports.
medical and specialist reports.
a list of expenses incurred, e.g. transport, medical fees and rental of car.
documents supporting your claim such as photographs (and negatives), medical certificates, repair bills and receipts.[list]


How do I make a claim

[list]Claim against your own insurance company: In this case, you should note that there is an excess clause in your insurance policy. Your claim must exceed the excess amount, and your insurance company will only pay the difference between your claim and the excess amount. For example, if the excess amount is $700 and your claim is $500 the insurers will not pay. However, If your claim is $1,000, your insurers will only pay $300. You will also lose your no claim bonus.

Claim against another person: It is advisable to see a lawyer (see information on Seeing a Lawyer). Please remember that lawyers can represent you only if you authorise them to do so, usually by signing a warrant to act. Please be informed that workshops are not authorised to make claims on your behalf.[list]


Claiming in hit and run cases

If you suffer personal injuries as a result of an accident and do not know the particulars of the other party that caused the accident, you may make a claim to the Motor Insurance Bureau.


Seeing your lawyer

When you see your lawyer, bring along the documents stated in the above paragraph Keeping Records

If you receive a police summons charging you for an offence related to the accident, seek advice from a lawyer immediately before taking any course of action.


What will your lawyer do

Your lawyer will:-

[list]go through the documents and consider the evidence;
take a statement from you and advise you on the merits of your case;
write letters on your behalf to claim compensation;
discuss with you offers made and negotiate a settlement;
if no settlement is made, commence proceedings in Court, prepare court documents, interview your witnesses and prepare for trial.[list]

NOTE:Under the law, you must issue a summons for a claim relating to personal injuries within 3 years from the date of the accident. For damage to vehicles, the time limit is 6 years.


What can a person claim

A person can claim:

[list]General damages:This compensates you for pain and suffering as a result of injuries caused to a person ("personal injuries"). Discuss with your lawyer how much you can claim as general damages for your personal injuries.

Special Damages: This compensates you for expenses incurred, e.g. costs of medical fees, transport, repairs to vehicle, hiring another vehicle while your vehicle was being repaired, loss of salary and CPF savings contributions before trial. You must ensure that you keep the original receipts for these expenses.[list]


At the trial

If proceedings are commenced in Court, there are 2 questions to be decided:

[list]: who is responsible; and
Quantum: how much the damage caused is worth. [list]

For liability, the Court can decide that one party is fully responsible for the accident, in which case, he is said to be "100% liable".

It can also decide that the person making the claim (plaintiff) is partly responsible for the accident (contributorily negligent).

In this case, the Court will assess the degree of responsibility in percentage terms and divide the damage accordingly between the parties e.g. if the plaintiff is found to be 20% contributory negligent for a $10,000 claim, then he will only be awarded the sum of $8,000 as damages.


Costs

The costs you have to pay your lawyer are called "Solicitor and Client's" costs.

The costs that the losing party pays to the winning party is called "Party and Party" costs.

If you lose your case, you will have to pay the other side's Party and Party's costs, as well as your own Solicitor and Client's costs.

If you win your case, the Party and Party costs received by you can be used towards paying your own Solicitor and Client's costs.

If you are awarded more than $5,000 for personal injuries, the Court decides on the amount of Solicitor and Client's costs and the Party and Party costs.


How do I collect my money?

If you are awarded general damages in excess of $5,000 the money will be paid to the Public Trustee (a government officer) who will then pay you the money. It usually takes 3 to 6 month from the completion of your case for payment to be made.

If there is no claim for personal injuries, the money will be paid directly by the insurance company to you or through your lawyer.

hmmm..... seems like u hav learned quite alot after that incident... :P

hmmm..... seems like u hav learned quite alot after that incident... :P

no lah, this one from other sites one. But learnt alot from experiences... haha

Title: Making A Traffic Accident Report
Source: Information Booklet on Police Procedures

When Should A Traffic Accident Report Be Made?

A traffic accident report should be made if it involves:

[list]A government vehicle or damage to government property; or
A foreign vehicle; or
A pedestrian or cyclist; or
An injury where
[list]- at least one party involved in the accident was conveyed to hospital from the accident scene by an ambulance; or
- if conveyance to hospital was done through other transport and the party is subsequently hospitalised or given outpatient medical leave of 3 days or more; or
- no one was conveyed to hospital from the scene but latent injury had subsequently developed which entailed hospitalisation or outpatient medical leave of 3 days or more; or[list]
A hit-and-run.[list]
If the accident does not fall under any of the above categories, there is no need to lodge a Police report. A General Insurance Association (GIA) Motor Accident Report to the insurance company is sufficient.

How Should A Traffic Accident Report Be Made?

A traffic accident report can be made at any Police station, NPC or NPP. One should provide (wherever possible) Police with the following information:

[list]Date/time/place of accident;
Particulars of witnesses;
Damage and position of accident vehicle(s);
Registration number and description of other vehicle(s).[list]
A copy of the report will be issued to the complainant.

Are Amendments To An Accident Report Allowed?

Yes. Amendments can be made by filling in an amendment form available at Traffic Police, Ubi Ave 3, Singapore 408865. Alternatively, you can write to the Head Investigation, Traffic Police stating the amendments to be made.

Can One Party Obtain The Other Party's Traffic Accident Report?

Only a person directly involved in the accident may obtain a copy. Application may be done personally at Traffic Police or through a lawyer. Or, written applications can be made to the Sales Section, Traffic Investigation Branch. The application must state the date, time and place of the accident, the vehicle(s) involved and the report number.

The fee for each report is $16. The search fee is $14. Cheques should be made to 'Head Investigation, Traffic Police'. For most applications, a copy of the report will be sent within 3 weeks after payment.

How Can The Result Of Investigation Be Obtained?

Application can be made personally at Traffic Police. Or, written applications may be made to the Sales Section, Traffic Investigation Branch with the date, time and place of accident, the vehicle(s) involved and the report number (if available).

A search fee of $14 is payable and should be enclosed with the application. If application is made for both a copy of the report and the result of investigation, only one search fee of $14 is imposed. Cheque payments should be made payable to 'Head Investigation, Traffic Police'. The result of investigation will be sent within 3 weeks after investigations have been completed. It can also be collected personally or through a representative. The representative must produce a letter of authorisation from the applicant. The letter must state the name and NRIC of the authorised representative.

Can Civil Claims Be Made In Cases Where No Action Is Taken By Police?

Yes, such a decision will not affect civil claims.

Can One Party Obtain The Other's Insurance Particulars When No Traffic Accident Report Was Made To Police?

Yes. Application for the other party's insurance particulars can be made from the Multi-Transaction Counter, 2nd Level, Land Transport Authority, No. 10 Sin Ming Road. The enquiry number is 1800-553 5229. A fee of $5.15 is payable.

Lodging A Traffic Accident Report As A Witness?

If you have witnessed a traffic accident, Police would appreciate it if you would come forward to tell us what happened. Many traffic accidents remain unsolved each year because of inconclusive or conflicting evidence.

One factor which discourages witness from coming forward is having to testify in court if the case is brought to trial. Most people shy away from such exposure. However, we would like you to help Police get to the truth.

If you have witnessed a traffic accident, especially one in which someone was injured or killed, please lodge a traffic accident report at any Police station, NPC or NPP. Or, you can call the Traffic Police Hotline at 1800-547 1818 to provide the information.

Hit-and-Run Accident?
If you have witnessed a hit-and-run accident, please note the following information and call '999':

[list]registration number of the hit-and-run vehicle;
colour, make and model of the hit-and-run vehicle;
race and gender of the driver;
the direction the hit-and-run vehicle was last seen proceeding towards.[list]

Title: Motor Claim Procedures for AXA Insurance
Source: AXA Insurance Singapore Pte Ltd

Claims Reporting

[list]Contact and arrange for one of AXA Premium Workshops to have your vehicle surveyed and repaired. If your policy is enjoying the special benefits under AXA Premium Workshop scheme, all accident repairs to your vehicles will have to be carried out by any of our AXA Authorised Workshops strategically located in Singapore. AXA shall not be liable to indemnify you for the costs of any repairs undertaken by other workshop or repairer.
Call AXA Insurance Singapore within 7 days to file a claim.
24-Hour Helpline: 1800-8804741
Complete and return the Non-injury Motor Accident Report form which we will send to you when we receive your call to file a claim.
Forward all letters and communications received from third parties to
AXA Insurance, Motor Claims Dept.
143 Cecil Street #01-01
GB Building, Singapore 069542
Fax No: 68804838
24-Hour Helpline: 1800-8804741[list]

Title: Motor Claim Procedures for NTUC-Income Insurance
Source: NTUC-Income

Claims Reporting

[list]You are advised to report the accident immediately at the Independent Damage Assessment Centre (IDAC) within 24 hours. If you have made a police report, you need to furnish a copy at the Idac;
Please call INCOME's 24 hour hotline: 6788 6616 for location of the nearest IDAC;
If towing service is needed, you can call Idac's 24-hour hotline at 1800 887 5151 for towing at no charge to you;
At the IDAC, you will be required to file an accident report and submit a claim to your insurance company;
IDAC will assess the damage to your car and we will authorise repair within two working days;
Your car/motorcycle will be repaired at a workshop selected by Income in accordance with the policy conditions;
Policyholders who are not liable for the accident are also required to make an own damage claim instead of third party claim. Your no claim discount will not be affected.[list]
Accident in Malaysia

For accidents in Malaysia where towing services are required, you can call NTUC Income's 24-hour hotline: 6788 6616 for assistance.

You will have to pay for the towing service direct with the recommended service provider, based on mutual agreement. The service provider will tow your car to the nearest Idac, and you can then file an accident report at the Idac upon your return to Singapore. You can submit a claim upto $200 for the towing service as provided for under the Scope of Cover of your policy.

Courtesy Car / Transport Allowance

From the 2nd day your car is in our quality workshop, you will enjoy either of the following benefits :

Upon availability, a courtesy car for the duration of the repair to a maximum of 14 days or
Transport allowance of $50 per working day for the duration of the repair to a maximum of 14 days
An administrative charge of $10 and a refundable deposit of $50 will be charged for the usage of the courtesy car.

No Claim Discount

[list]Our policyholder enjoy a 10% ‘No Claim Discount’ upon renewal of their motor insurance premium if there is no claim during the previous policy year;
For every ‘claim free’ year, the discount will be increased by 10% to a maximum of 50% over five years;
Our policyholder's 'No Claim Discount" will be protected if the policyholder is not at fault or the liability is less than 30%;
If the policyholder is unhappy with the assessment of liability made by our officer, they can lodge a request for review to the claim officer.[list]
If You Receive A Third Party Claim

If you receive a claim from a third party or a writ from a lawyer, you should refer the matter to us immediately. We will handle the claim or writ for you. We have to respond to a writ within 8 days, so you have to act immediately. Give us a call at 6788-6616.We may need your full cooperation in giving a full report of the accident, and to verify the extent of damages to the third party.

Third Party Claims

Insured who chooses to make third party liability claim against other insurers will have to make the claim on their own . If you are involved with Malaysian cars and making a claim against a Malaysian insurer, the process will take a longer time. Please be patient. You will need to liaise direct with the workshop who undertake the third party claim on your behalf. NTUC Income cannot assist you to claim third party as it is outside our control.

Repairing At Your Own Workshop

If you wish your car to be repaired at your existing workshop, you can provide its name and contact number to us. We will invite the workshop to quote and carry out for the repair if the charges are competitive. If the workshop does not have an email we send a fax to them to quote. However, if the charges are too high and your workshop is unable to repair at the benchmark price quoted by our quality workshop, we may have to send your vehicle to our quality or authorised workshop. If this is done, we will ensure that the repair matches up to a satisfactory standard, in accordance to our underwriting.

Spare Parts Unavailability

The insurer shall not be responsible if the spare parts are not available. Arrangement will be made for the unavailable spare parts to be shipped in at our cost. However, if the spare parts have to be air freighted, then the air freight charges shall be borne by the policyholder. During the period where spare parts are not available and due to this the repair is delayed, neither courtesy car nor transport allowance will be provided.

Title: Motor Claim Procedures for AIG
Source: AIG, Inc.

Claims Reporting

[list]For the convenience of our insured, report could also be lodged at our designated panel of authorized workshops or our authorized agent workshops.

Non Traffic Accident Damages
For non traffic accident damages eg. vandalism, malicious act, theft, windscreen damage, etc., Insured/driver needs to fill up an AIG Motor Claim form. However for cases with criminal intent involved, a police report will be required before filing up the AIG Motor Claim form eg. vandalism, theft and malicious act.[list]
Making An Own Damage (OD) Claim

[list]If you decide to file a claim under your own policy, you should send your car to one of our authorized workshops where you can also report your claim. Your workshop will prepare an estimate of the cost of repair and liaise directly with AIG.

Survey
You should not allow the workshop to carry out any repair until after approval is given by AIG. We will arrange for your vehicle to be surveyed before repair authorization is given to the workshop.

Excess
Under the policy condition, you are required to pay an excess for your claim, if applicable. You should pay the excess directly to the workshop.

No Claims Discount (NCD)
When you make an own damage claim, your NCD will be reduced accordingly. NCD will be reduced at a rate of 30% per accident claim.

Windscreen Claim
With effect from 1st November 2002, windscreen cover will be reinstated automatically following a claim, free of charge. However, an excess of $100 (exlusive of GST) will apply for each claim. As for policies issued prior to 1 November 2002, the old clause still applies whereby there is no excess but insured has to pay $100 (exclusive of GST) to reinstate the cover.

Summons
If you receive any letter or a court summons from the other party relatingto the accident, you should forward it to us "BY HAND" immediately and leave us to act on it. You should not negotiate, admit liability or offer payment to the third party.

However, if you receive a traffic summons from the police which allows you to pay a composition fine, you can proceed to pay the fine if you have violated any traffic rules or regulations.[list]
Making A Third Party Claim

[list]If you are involved in an accident but the third party is fully at fault, you may wish to claim against the other party for your losses.

You can choose any of the following options:-

[list]OPTION 1
- Send your vehicle to any of our authorized workshops. If the other party is fully at fault, the workshop will repair your vehicle and claim on your behalf.

OPTION 2
- If the workshops are unable to provide such a service, insured will have to submit his claim directly to the third party insurers.[list]

Below are the steps to be taken when submitting a third party claim:-

[list]- Get your workshop to prepare a repair estimate
- Contact the third party insurer and request them to conduct a survey of your vehicle. You can also engage an independent surveyor on your own.
- After the survey, you may proceed with the repair
- Settle the repair bills and other expenses eg, car rental fees.
- Send this claim to the third party insurer, together with copies of your repair bill, expenses' receipts, survey report / photographs (if survey is conducted by your own independent surveyor) and GIA non-injury report.[list]

Title: Motor Claim Procedures for Mitsui Sumitomo Insurance
Source: Mitsui Sumitomo Insurance (Singapore) Pte Ltd

Claims Reporting

[list]Call any of our authorised workshops for towing service or repairs.

Lodge a police report if any party is injured in the accident, followed by a report to Mitsui Sumitomo enclosing copy of the police report, driving licence, NRIC and insurance certificate. If there is no injury, submit GIA non-injury report form to Mitsui as soon as possible with a copy of driving licence, NRIC and insurance certificate.

Ask the workshop to submit quotation for repairs to Mitsui Sumitomo if you are making a claim under your own policy.[list]
For further enquires, please contact us at 6220 9644 and ask for Mr. Calvin Sim at extension 209.

If you are involved in a motor accident and decide to enter into a private settlement with the other driver, it is important to note that there should not be any personal injuries and the damage is minor. When you decide to settle privately, make sure that the settlement is full and final.

It is necessary that a discharge voucher listing the terms of the settlement be duly acknowledged by all parties in writing. The discharge voucher should indicate :-

[LIST]the date, place and time of the accident

the names of the parties agreeing to the private settlement

the amount of compensation to be paid and received by whom

the settlement full and final settlement of the accident

no further claim shall raise from the accident[LIST]

When you settle privately and have it recorded in writing, no further claim can be made against your insurance policy. In this case, your No Claim Discount is not affected and there is no need to submit to us.

The forms are available at our branches and head office.

To print a copy of the private settlement claim form, visit http://www.income.com.sg/claims and click on "Motor Insurance".

A copy of the private settlement claim form is attached in doc format for easy printing.

http://www.income.com.sg/claims/pdf/prv-settle.pdf

errr..

dun have leh.
only see motor workshops :?

Found it and copy into a MS word document.
Download at will.. :D

thankiu very much.
im sure everyone wld appreciate it :)

Guys

I just had an accident today...made me learn a lot of stuff that I would like to share with you all..

This morning , I was turning left in my sch and I have signal my intention to turn long ago. This reckless driver came from behind and bang into my ack wheel..why? maybe he was fast? maybe he was ****? maybe he couldnt care less ? but thats not the main issue.

At the first impact of the bang, I thought I corner too low on tarmac causing my back wheel to slide so I countered steer and managed to escpae from a fate of scratches and bruises. Upon stopping the bike, I expect him to come out of the car looking apologetic, instead, he dashed out giving a **** face and claimed that I stopped too soon and signaled too late..we started to have a heated agrument on whois right and whois wrong and that driver simply dun want to admit his mistake and insisted on claiming my insurance. That arsehole even challanged me to hit him.. DUN!! no matter under what circumstances , you should never lay your hand on the driver...road bullies are always wrong!~

without even giving a care to what he says, I phoned for the police knowing that there wouldnt be a case as theres no damage to public property, no injury, and doesnt affect cyclists or pedestrains. The police arrived and WOW! you see the change in attitude of that guy became instantous.. amazing!!

Police came and took down what happened and will keep it as referance...



When you are involved in an accident, dun panic or be agitated! analyse the situation and select your strong points and work on them!

No matter whether the driver ask for a private settlement or he wana make a claim, report the matter to your respective insurance company and file it under report...NTUC income policies holder can do it at IDAC (few locations) they could even provide free towing if your vehicle cant move.This is to protect yourself against double sided snakes that says they wouldn claim you in front of you but makes a claim behind your back..Your insurance company will access the situation and take down pictures of your bike and hopefully writes a report in your favor..

Next important thing..

If some driver has been performing some "tricks" on the road that you find its a hazzard to other road users safety, you can also do a write in to complain abt them.. all you need is that "stunt" driver or rider's plate number.

Write a formal fax letter to OC Violation Traffic POlice Department telling them what has happened. The fax number is 65474883, the telephone number is 65470000..

Your complain could probably save another rider or driver life.. :thumbs:


Regards

If you're using NTUC Insurance carrying this form will come in handy when settling privately : http://www.income.com.sg/claims/pdf/prv-settle.pdf

If you're using NTUC Insurance carrying this form will come in handy when settling privately :http://www.income.com.sg/claims/pdf/prv-settle.pdf

really useful piece of information...but just wondering if anyone really does print this out and carry it with him wherever he go?

regards

really useful piece of information...but just wondering if anyone really does print this out and carry it with him wherever he go?

regards
Me :D Anyway it's just a piece of paper, won't cause any hassle, just fold it up, stuff it in the wallet and away we go.

If you're using NTUC Insurance carrying this form will come in handy when settling privately :http://www.income.com.sg/claims/pdf/prv-settle.pdf

Can this form act as prove if the fella refuses to admit / pay? Meaning when lodging a police case...? Kindly enlighten?

Always remember to take down the plate number... I did not take down after my accident and the bugger goes scot-free. Hope next time his son/daughter get knocked down on the road and see how he feels about it... :mad:

Can this form act as prove if the fella refuses to admit / pay? Meaning when lodging a police case...? Kindly enlighten?
Ok........... this form is for a private settlement between you and the driver ,this form is a form of valid black & white proof, for example;that you had given him money and settled on the spot, so both of you sign the form and go off. Then you go to NTUC and submit the form for them, by doing this, the driver can't backstab you by making any fraudulent claims against your insurance company as you have both signed on the form. This was implemented since there were lots of cases in where unscropulous motorists make claims against the plaintiff even though they have settled on the spot. Hope this clears you up.

Wah... wat abt those from other insurance companies?

Thanks for the tips dirt_man8

Ok........... this form is for a private settlement between you and the driver ,this form is a form of valid black & white proof, for example;that you had given him money and settled on the spot, so both of you sign the form and go off. Then you go to NTUC and submit the form for them, by doing this, the driver can't backstab you by making any fraudulent claims against your insurance company as you have both signed on the form. This was implemented since there were lots of cases in where unscropulous motorists make claims against the plaintiff even though they have settled on the spot. Hope this clears you up.

Roger that... :)

Guys
No matter whether the driver ask for a private settlement or he wana make a claim, report the matter to your respective insurance company and file it under report. This is to protect yourself against double sided snakes that says they wouldn claim you in front of you but makes a claim behind your back..Your insurance company will access the situation and take down pictures of your bike and hopefully writes a report in your favor..
Regards

Regarding abt this 'they wouldn claim you in front of you but makes a claim behind your back' can u fight back e words of his? if nothing really happened..coz i believe if kanna any accident juz take down num plate will do rite..but think again..everyone can take down anyone num plate wat..hehe :smile:
And under a diff incident if both parties never make any reports.. juz say private settle but in e end one dun wana pay n treat as nothing happened..coz no injuries no scatches even on both vehical. Then how?? Lanlan huh?? :confused:
Hope u guys understand wat im trying to say.. :cheeky:

hi guys... tis is wad happened...
http://www.singaporebikes.com/forum/viewto...pic.php?t=13129 (http://www.singaporebikes.com/forum/viewtopic.php?t=13129)

rite now.. i dunno if the guys has made any police report.. cos its been so long n the tp letter has not come to ask me to go for the tp interview.. i took my statement down in a npp but i tink the police man did a bad job... :nono: so do i still need to fone my insurance company? anyone i called up the tp and they told me there's not traffic offence commited by my bike ley.. no summons.. so.. wad do i dO>? :confused:

Then if theres injuries then what should we do ? call ambuance ?

really useful piece of information...but just wondering if anyone really does print this out and carry it with him wherever he go?

regards

oh, i do... carry it whenever i go, though i no longer NTUC policy holder..

Then if theres injuries then what should we do ? call ambuance ?

when there injuries, pls call the police!!

especially when injuries is incurred on the party...
he may make a report tat u hit & run..

when there injuries, pls call the police!!

especially when injuries is incurred on the party...
he may make a report tat u hit & run..
if i myself hurt leh ? oso do the same ?

if i myself hurt leh ? oso do the same ?

if some1 run onto u & cause u considerable bodily damage.. would u report against him?? unless he's paying u a attractive sum of compensation & agree to sign the private settlement form.. think abt it..

oh, i do... carry it whenever i go, though i no longer NTUC policy holder..

Er, since u no longer ntuc, does this paper still have the private settlement power??? ie still valid though u under other companies??

Er, since u no longer ntuc, does this paper still have the private settlement power??? ie still valid though u under other companies??

tat's wat i m still figuring out...

got a question how u know how much the repair shall cost on the spot?

got a question how u know how much the repair shall cost on the spot?

haven't happen on me yet but i think its between u & tat driver... u may wanna quote a price which is usually higher to compensate for our inconvience & maybe injuries if he accepts... or he may sign on the form indicating tat he's willing to pay for wateva ur repair cost ll be... no one ll know the price till a bike repair shop has quoted u...

even though so, no one would pay u on the spot as who would hav so much money in the wallet??

if *touch wood* accident..den wat number to call ? can't be 999 rite.. :confused:

Information you need to get from the other party

1. vehicle no.
2. insurance co.
3. driver's name
4. driver's NIRC no.
5. contact no.
6. is he claiming you or you are claiming for him.


Accident details

1. date & time of the accident
2. location of the accident
3. describe extent/area of damage
4. is he claiming you or you are claiming for him.


Information from the witness

1. name
2. NRIC no.
3. contact no.


NOTE: it will be good if you can take 6 photos of each vehicle and some of accident scene.

http://www.singaporebikes.com/forum/files/non-injury_accidents.jpg

If i self skidded due to oily patch and injured myself and need to be conveyed to hospital by ambulance, do i still need to make any reports if no damage is done to others ? my bike scratched abit only.

can't seem to find the document leh..

Nothing like learning from own experience

Originally posted by Andy@May 18 2002, 12:00 PM
[What to do immediately after

[LIST]Police Report: You should lodge a written police report as soon as possible at any police station or neighbourhood police post. If you are hospitalised as a result of the accident, make your report as soon as you are discharged from hospital.
You have to give all the information mentioned in the above paragraph What to do at the accident site.


Hi! Just sharing my knowledge.

The mentioned paragraph is only applicable if the accident is a major accident, or accident involving foreign vehicles, gahment vehicles, pedestrians and cyclists, or accidents causing damage to gahment properties.

Major accident means that that somebody is injured and requires an ambulance to convey the injured to hospital, or the injured party seek medical attention later and aquired 3 or more days of MC resulting from injuries sustained from the accident.

Minor accident, meaning no injuries between involved parties, does not require a police Road Traffic Accident report. Involved parties are to report to respective insurance companies for claims.

:sweat:

Originally posted by Andy@May 18 2002, 12:00 PM
http://www.lawsociety.org.sg/html/awarenes.../road_accid.htm (http://www.lawsociety.org.sg/html/awareness/road_accid.htm)


take photographs of all damage caused by the accident. You must keep the negatives of these photographs.




Does this mean that ppl can't use digital camara?

Quote : Does this mean that ppl can't use digital camara?

Judiciary officers are mindful of the possibility of tempting with the photos produced from digital camera. Of course, photos developed from 35mm film may be subjected to tempting but it is very difficult to do so.

Also the maker of the photos has to come to court to testify the authencity of the photo.

Regards

Originally posted by ck88@Feb 10 2004, 10:35 AM
Quote : Does this mean that ppl can't use digital camara?

Judiciary officers are mindful of the possibility of tempting with the photos produced from digital camera. Of course, photos developed from 35mm film may be subjected to tempting but it is very difficult to do so.

Also the maker of the photos has to come to court to testify the authencity of the photo.

Regards
I think you mean tampering. For this day and age, digital photos are quite acceptable. Even idac is using digital cameras to record damage to vehicles

:cry: :cry: :cry:
wat if the rider got an acident in Msia and the bike is beyond repair? The pillion is dead. bike is 3rd party. how ar? Can claim the bike insurance?
:cry: :cry: :cry:

Originally posted by The_Sheriff@Nov 8 2003, 06:45 PM
If i self skidded due to oily patch and injured myself and need to be conveyed to hospital by ambulance, do i still need to make any reports if no damage is done to others ? my bike scratched abit only.
if the ambulance came and sent you to the hospital, there will be police, station in the hospital to take your report.

if you did not damage any things or others and not making any claim from your insurance then you don't need to make any report.

Originally posted by james phang@Feb 16 2004, 08:44 AM
:cry: :cry: :cry:
wat if the rider got an acident in Msia and the bike is beyond repair? The pillion is dead. bike is 3rd party. how ar? Can claim the bike insurance?
:cry: :cry: :cry:
the bike still have to send back to IDAC and make a report there. the pillion's family can claim from the rider's insurance.

Just received a call from a SBF member that he was in an accident and the driver is willing to pay him some $$ to settle the case but he did not bring along the private settlement form to help him.

For those of you who have the Motorist Handy Kit, PLEASE put it in your bike.... you never know when you need it.

What is in the Handy Kit;
1. Certificate of Insurance (your own)
2. Form for Private settlement
3. Forms for taking down Accident Details
4. Location of IDAC Centres

For those who do not have a copy of the private settlement form you may print this and keep in your bike.

keep this also for those (the other party) who cannot read english.

Don't know what infomation you need from the other party when you wanna claim from them? with this form all you have to do is fill in the blank.

You may wanna print this for those who cannot read english.

Originally posted by 2_wheeler@Feb 23 2004, 04:31 PM
keep this also for those (the other party) who cannot read english.
got malay and indian?hehehehe

Originally posted by Sir_Romeo@Feb 23 2004, 04:40 PM
got malay and indian?hehehehe
I'm sorry, we only have chinese & english version.

for those who are not with NTUC Income, may use these form as well.

Originally posted by 2_wheeler@Feb 23 2004, 04:50 PM
I'm sorry, we only have chinese & english version.

for those who are not with NTUC Income, may use these form as well.
im curious if there is no one who is willing to be witnesses or worse still no witness around, is the private settlement form still valid? :confused:

Thanks in advance ya!
:cheers:

Originally posted by apiz666@Feb 25 2004, 10:51 AM
im curious if there is no one who is willing to be witnesses or worse still no witness around, is the private settlement form still valid? :confused:

Thanks in advance ya!
:cheers:
you don't need any witness for private settlement. only when you're claiming from their insurance. having witness on hand will give you a better chance to win the case hence, easier to claim from his/her insurance.

I tell you my case,even more fed up with the biker.

In October 2003, I was travelling along Kranji Road,it was after a rain and the floor is wet.

Approaching a traffic light, I braked but skidded and thus bumped into the back tyre of this 600 cc bike(there was a taxi infront of this 600cc bike). But at that moment,he(the 600 cc biker) has not yet bumped into the taxi infront of him. He gave me a hard stare and suddenly twisted the throttle and then he released his clutch. THEN, he banked into the back of the taxi infront. He stare at me again.


I immediatedly know he wanted to makan me. After he and the taxi driver exchanged details, he came to me and said how to settle. I told him that he should know himself that his bike did not even bumped into the taxi yet, he said he dun care,cause I bumped into his bike.

After exchanging details and he carried on taking photos of his bike,I and him went around his bike and we can see that his mudguard and headlight is only slightly damaged.

I then told him that it's not up to us to assess the damages, and I suggested that i accompany him to one of those Kranji bike shop to assess the damages,at least they are "licensed appraisers'.So, I got onto my bike and rode off but the 600 cc bike sped off before I can look at my side mirror.

That night, he call and quoted to me a wide whole list of damages that I wasn't even sure if I caused it and he demanded $4000 for damages. I was shocked to my amaze.

I told him that he can settle the case thru my Insurer cause i cannot afford to pay him and just a bump into his back tyre cause $4000. He sounded aggressive and very gangster.

Later on, he went to find lawyer and claim from me around that amount. It has now been more than 6 mths and the case is still lingering on. My insurer only offer him $500,that's all.

I checked with a lot of pple, including my colleagues who know a bit of this kind of case, they said that he has no case against me and my insurer will deal with him.

In fact,I went to IDAC to report the accident and even the guy is amazed to find 0% damage to my bike,cause it's just a bump, that's all. And he can claim $4000, which shocked all my colleagues and NOKs.

Can some expert from this forum adviced what can be the outcome, this fellow really made me sleepless and worried.

Anyway, I have already renewed my insurance for 2004.

At the most my installment finish next year i find another insurer and buy 3rd parties lah

Thanks a lot fellow bikers
Speedster

Don't worry your insurance company will settle with him.

Do not settle with him privately as he need to do the proper channel to claim the insurance.

If he threaten you, make a police report.

Originally posted by speedster@Apr 9 2004, 06:11 PM
I tell you my case,even more fed up with the biker.

In October 2003, I was travelling along Kranji Road,it was after a rain and the floor is wet.

Approaching a traffic light, I braked but skidded and thus bumped into the back tyre of this 600 cc bike(there was a taxi infront of this 600cc bike). But at that moment,he(the 600 cc biker) has not yet bumped into the taxi infront of him. He gave me a hard stare and suddenly twisted the throttle and then he released his clutch. THEN, he banked into the back of the taxi infront. He stare at me again.


I immediatedly know he wanted to makan me. After he and the taxi driver exchanged details, he came to me and said how to settle. I told him that he should know himself that his bike did not even bumped into the taxi yet, he said he dun care,cause I bumped into his bike.

After exchanging details and he carried on taking photos of his bike,I and him went around his bike and we can see that his mudguard and headlight is only slightly damaged.

I then told him that it's not up to us to assess the damages, and I suggested that i accompany him to one of those Kranji bike shop to assess the damages,at least they are "licensed appraisers'.So, I got onto my bike and rode off but the 600 cc bike sped off before I can look at my side mirror.

That night, he call and quoted to me a wide whole list of damages that I wasn't even sure if I caused it and he demanded $4000 for damages. I was shocked to my amaze.

I told him that he can settle the case thru my Insurer cause i cannot afford to pay him and just a bump into his back tyre cause $4000. He sounded aggressive and very gangster.

Later on, he went to find lawyer and claim from me around that amount. It has now been more than 6 mths and the case is still lingering on. My insurer only offer him $500,that's all.

I checked with a lot of pple, including my colleagues who know a bit of this kind of case, they said that he has no case against me and my insurer will deal with him.

In fact,I went to IDAC to report the accident and even the guy is amazed to find 0% damage to my bike,cause it's just a bump, that's all. And he can claim $4000, which shocked all my colleagues and NOKs.

Can some expert from this forum adviced what can be the outcome, this fellow really made me sleepless and worried.

Anyway, I have already renewed my insurance for 2004.

At the most my installment finish next year i find another insurer and buy 3rd parties lah

Thanks a lot fellow bikers
Speedster
leave it to your insurer..... this is what you paid for (coverage).

oh my.. such terrible ppl around.. :(

gd luck..

Originally posted by speedster@Apr 9 2004, 06:11 PM
I tell you my case,even more fed up with the biker.

In October 2003, I was travelling along Kranji Road,it was after a rain and the floor is wet.

Approaching a traffic light, I braked but skidded and thus bumped into the back tyre of this 600 cc bike(there was a taxi infront of this 600cc bike). But at that moment,he(the 600 cc biker) has not yet bumped into the taxi infront of him. He gave me a hard stare and suddenly twisted the throttle and then he released his clutch. THEN, he banked into the back of the taxi infront. He stare at me again.


I immediatedly know he wanted to makan me. After he and the taxi driver exchanged details, he came to me and said how to settle. I told him that he should know himself that his bike did not even bumped into the taxi yet, he said he dun care,cause I bumped into his bike.

After exchanging details and he carried on taking photos of his bike,I and him went around his bike and we can see that his mudguard and headlight is only slightly damaged.

I then told him that it's not up to us to assess the damages, and I suggested that i accompany him to one of those Kranji bike shop to assess the damages,at least they are "licensed appraisers'.So, I got onto my bike and rode off but the 600 cc bike sped off before I can look at my side mirror.

That night, he call and quoted to me a wide whole list of damages that I wasn't even sure if I caused it and he demanded $4000 for damages. I was shocked to my amaze.

I told him that he can settle the case thru my Insurer cause i cannot afford to pay him and just a bump into his back tyre cause $4000. He sounded aggressive and very gangster.

Later on, he went to find lawyer and claim from me around that amount. It has now been more than 6 mths and the case is still lingering on. My insurer only offer him $500,that's all.

I checked with a lot of pple, including my colleagues who know a bit of this kind of case, they said that he has no case against me and my insurer will deal with him.

In fact,I went to IDAC to report the accident and even the guy is amazed to find 0% damage to my bike,cause it's just a bump, that's all. And he can claim $4000, which shocked all my colleagues and NOKs.

Can some expert from this forum adviced what can be the outcome, this fellow really made me sleepless and worried.

Anyway, I have already renewed my insurance for 2004.

At the most my installment finish next year i find another insurer and buy 3rd parties lah

Thanks a lot fellow bikers
Speedster
You make a police report regarding this blatent fraudster.... let him get charged instead.

AAAAAAAAAAAAAAARrrrrrrrgggghhhhhh!!!!
Just got accident last week... *@#*$@*#*@#*@#**@#*
Now I just sit at home doing nothing....bloody taxi drivers.... :nono:
Anyway I am still waiting for the investigations results....the driver blame me me me me me me...I have given my account and details to my insurance and police. Seems futile since my my defence was that the taxi was speeding when he langgar me. I fly like superman(weeee) land in the middle of the junction...happy happy my see my calf muscle stick out and see petrol leaking out of my bike. before I get to note down taxi driver particulars I got whizzed off to hospital... :nono:

Now my case turn to courtcase

But my insurer told me that the fellow did not do any inspection or re-inspection,which mean that he just go and repair his bike to a huge amount and submit to claim against me.

As he did not went thru the correct procedures,the claim may be disputed or the claim be reduced to a great amount.

I really dun know how he is going to claim against me.

Really wish the entire matter would be over soon.

I really cannot imagine paying $4000 for just bumping into other's biker rear wheel.

Thanks for all the concern

I think tat shameless biker will lose dis one big time. They're clamping down on all this fraudulent n infalted claims. I hope he faces the full brunt of the law.

I'm shure yer insurers must be confident tat is why they never made any settlement wid da other party. Let it be aired in court and at the end of the day I hope the biker gets his just desserts.

Wah lao...the taxi driver who banged my bike last week better still..."Eh you never see me izit?" *#&$*@&# He banged me still say I never see him...

Anyway just for those who are planning to do private settlement. To respray the bumper (front and rear) of a brand new Sunny is 200 each +over bake and takes 3days or so depending on the schedule of workshop.
The colour of the car is black...I paid because ppl E-brake and i LL.

Originally posted by Bieffe@Jun 9 2004, 12:25 PM
Anyway just for those who are planning to do private settlement. To respray the bumper (front and rear) of a brand new Sunny is 200 each +over bake and takes 3days or so depending on the schedule of workshop.
The colour of the car is black...I paid because ppl E-brake and i LL.
Errr, it's better that u find urself a workshop for that job and ask the person involve to go to that place. In that case, u wun be chopped.

I resprayed my dad's saloon car for less than $200. The job includes knocking the dent out at the bumper (2 pieces, 2 colours) and respray it.

Hi i'm a new rider here and i saw all the posts but it seems that all the forms are for NTUC income insurance. My insurance coverage is from Mitsui Sumitomo so cant expect me to send them a NTUC Income Private Settlement form if in the case that i kena an accident? So which from should i keep it with me?:help:

Originally posted by catzilla@Jul 6 2004, 07:13 PM
Hi i'm a new rider here and i saw all the posts but it seems that all the forms are for NTUC income insurance. My insurance coverage is from Mitsui Sumitomo so cant expect me to send them a NTUC Income Private Settlement form if in the case that i kena an accident? So which from should i keep it with me?:help:
yes, you may use the form.

just wanna ask, is there any private settlement form from other insurance company? or the NTUC one is universal for all? Meaning, i have an AIG insurance, can i use the income private settlement form instead?

Originally posted by waihoong80@Jul 13 2004, 09:29 AM
just wanna ask, is there any private settlement form from other insurance company? or the NTUC one is universal for all? Meaning, i have an AIG insurance, can i use the income private settlement form instead?
you can use this form.

Originally posted by BluEGaZeR@Mar 21 2003, 11:28 PM
Found it and copy into a MS word document.
Download at will.. :D
i got page error...how to go...under which heading if i go its website? :help:

Originally posted by Exhaus-tion@Jul 17 2004, 12:05 AM
i got page error...how to go...under which heading if i go its website? :help:
pls click here

http://www.singaporebikes.com/forum/index....showtopic=11056 (http://www.singaporebikes.com/forum/index.php?showtopic=11056)

still cant load the form...

Originally posted by Exhaus-tion@Jul 17 2004, 12:26 AM
still cant load the form...
did you click on my post there? right click on the link and "save target as" once it is save on your PC you can open from there :sweat:

Originally posted by 2_wheeler@Jul 17 2004, 12:43 AM
did you click on my post there? right click on the link and "save target as" once it is save on your PC you can open from there :sweat:
ok liao...thanksalot 4 great help n patience. me no tech savvy lah bro.
thanks thanks :thumb: :thumb:

after read so many thread..get confused a bit..if you're not at fault n the other party admit wrong..how u're gonna to claim against his insurance company..izit u must still go to idac n then then ur insurance company will claim it on ur behalf?

Originally posted by mamatz@Jul 21 2004, 12:18 PM
after read so many thread..get confused a bit..if you're not at fault n the other party admit wrong..how u're gonna to claim against his insurance company..izit u must still go to idac n then then ur insurance company will claim it on ur behalf?
if the other party admit wrong, he/she may wanna settle with you privately. use the private settlement form here.

if the other party admit wrong but want you to claim from his/her insurance, send your bike to IDAC for reporting. after that you can find a motor diam that does 3rd party cliam to cliam on your behalf.

Is it ILLEGAL not to report an traffic accident? meaning if both parties for some sort of reason decide at the moment its best for both of them not to get the police involved.

Originally posted by MIG-29@Aug 13 2004, 11:40 PM
Is it ILLEGAL not to report an traffic accident? meaning if both parties for some sort of reason decide at the moment its best for both of them not to get the police involved.
at least must make a GIA.. accident report at IDAC? to cover each other ass... juz incase one accusse the other for hit and run?

Originally posted by roger@Aug 14 2004, 04:28 AM
at least must make a GIA.. accident report at IDAC? to cover each other ass... juz incase one accusse the other for hit and run?
I Oppose that ... If the other party din report . your INSURER will LOAD you for accident prone.

Keep the incident report relating to the accident. If he report , your insurer will inquire you about the accident & ask you to report.

Just state that both parties agreed not to report. so a report was not made.

Your lawyer will:-


go through the documents and consider the evidence;

take a statement from you and advise you on the merits of your case;

write letters on your behalf to claim compensation;

discuss with you offers made and negotiate a settlement;

if no settlement is made, commence proceedings in Court, prepare court documents, interview your witnesses and prepare for trial.

Like to ask, so who does tha lawyer actually claim from? The insurance company of the other party or the other party itself??

Originally posted by Arcfire@Aug 30 2004, 07:51 PM

Like to ask, so who does tha lawyer actually claim from? The insurance company of the other party or the other party itself??
Usually the claim will be from the other party's insurers. Tats the whole reason why we all need to be insured to be on da roads.

But the insurers will fight tooth n nail not to accept full liability so u might end with only perhaps a percentage of the payout u expect.

Ic...so would it be wise to turn to a lawyer to help settle the claims?

hmm.. let say if i my bike insurance is fire and theft under Mitsui. So if someone knocked onto me, i sent my bike to IDAC , then wat will happened? How to claim form the other party insurance ? where to go and how to do abt it ??

PLs explain to me in details, sorry to inconvience you all , i still very blur after reading all the posts.

wat if u kena accident and u dun have any motorcar repair shop to ask the driver to go for repair .. as we all ride bikes wan .. so is there any standard or authorised workshop where they can send the car to repair rather than to their own workshop ??

Originally posted by tweakmax2@Sep 24 2004, 09:03 PM
wat if u kena accident and u dun have any motorcar repair shop to ask the driver to go for repair .. as we all ride bikes wan .. so is there any standard or authorised workshop where they can send the car to repair rather than to their own workshop ??
you can go to a workshop that is not related to you or the other party.

for authorised workshop, you can check with Mitsui (since your coverage is with them). They will give you a list.

Originally posted by tweakmax2@Sep 24 2004, 09:00 PM
hmm.. let say if i my bike insurance is fire and theft under Mitsui. So if someone knocked onto me, i sent my bike to IDAC , then wat will happened? How to claim form the other party insurance ? where to go and how to do abt it ??

PLs explain to me in details, sorry to inconvience you all , i still very blur after reading all the posts.
after you have made a report at IDAC...

send you bike to a bikeshop that does 3rd party claim. Check with them to see if they (bikeshop) are able to claim for you and do you need to pay for the repair 1st.

http://agcvldb4.agc.gov.sg/non_version/cgi...est&method=part (http://agcvldb4.agc.gov.sg/non_version/cgi-bin/cgi_retrieve.pl?actno=REVED-276&doctitle=ROAD+TRAFFIC+ACT%0A&date=latest&method=part)

ROAD TRAFFIC ACT
(CHAPTER 276)
Section 84
Accidents

Duty to stop in case of accident
84. —(1) If in any case owing to the presence of a motor vehicle on a road an accident occurs whereby damage or injury is caused to any person, vehicle, structure or animal, the driver of the motor vehicle shall stop and, if required to do so by any person having reasonable grounds for so requiring, give his name and address and also the name and address of the owner and the identification marks of the motor vehicle.

(2) If in the case of any such accident as aforesaid the driver of the motor vehicle for any reason does not give his name and address to any such person as aforesaid, he shall report the accident at a police station or to a police officer as soon as reasonably practicable and, in any case, within 24 hours of the occurrence thereof.

(3) If in any case owing to the presence of a motor vehicle on a road an accident occurs whereby any person is killed or any damage or injury is caused to any person, vehicle, structure or animal, the driver of the motor vehicle shall render such assistance as may be reasonably required by any police officer or in the absence of any police officer such assistance as it may reasonably be in the power of the driver to render.
[11/96]

during a claiming period so we can take taxi n claim fro e other party as well?? like can take cab till any extend??

Originally posted by merz65@Nov 28 2004, 11:15 AM
during a claiming period so we can take taxi n claim fro e other party as well?? like can take cab till any extend??
for bikes "loss of use" usually is around $20 per day. you can use it for whatever you like.... even taking a cab

loss of use is it e same as loss of transport??
e workshop told me i onli got 6 days of loss of use. = 6*$20 = 120.
BUT onli can get ard 30% of it (dunno wat reasons) then onli can get $30 plus! wat rubbish is tat?! like tat then how abt my cab fares?? e claiming is taking so long some recipts inks r disappearing liao.. arg,,,

what ever it is, if it's not your fault, claim hard from the other party.
your fault then tiam tiam la. or sometimes asking for immediate compensation
for minor accident might do some good then wait for all the trouble to claim
& stuff.

bottomline : Ride Safely!

Originally posted by tyujhgbnm@Jul 6 2005, 01:29 AM
My insurance is mitsui 3rd party. actually wad should i do if i hit someone (i do wrong ) and someone hit me (other is wrong)i need to know the whole process so and experts can tell me all the process??I thought 3rd party cant claim anything but still need to call them and tell them what happen??
did you read here? http://www.singaporebikes.com/forum/index....opic=15008&st=0 (http://www.singaporebikes.com/forum/index.php?showtopic=15008&st=0)

if not, pls read 1st.

Wanna add something. Got into accident CNY eve. I was approaching this red-light cam junction got one fooker ah pek car in front. He passed by the "2nd of 3" arrows liao... then the light turned amber he jammed brake and stopped past white line. I braked hard... skidded (juz changed tyre only knn...) bumped slightly into his left-rear bumper.

I endo a bit bike S4 heavy like elephant fall to left side but I'm still standing. The fooker kept quiet for 4months then BAP! Lawyer letter come to me. After checks with insurance/lawyer, THERE IS UP TO 6 YEARS FOR CLAIMS!

Somemore the fooker banged his bumper more, causing the GIA to CHANGE the bumper and also dunno how the left taillight also cracked and he also changed mitsubishi emblem logo. FOOKER!

My word of advice:
1) No matter how small the accident, SUBMIT A REPORT TO YOUR INSURANCE. Even if you are not claiming under your own or 3rd party claim, it is for filing purposes... TO COVER YOUR BACKSIDE! Never take at face value people say "It's ok... small matter".

2) Use handphone camera to record ANY small details. They may be inflated by fooking bas***d workshops. You know how it is...

3) No point settling in private. You may never know when he will fook your ass. Remember, 6 YEARS VALIDITY FOR CLAIMS.

Btw, met lawyer. Said if you hit from behind... no matter what... HIGH POSSIBILITY you are liable. Of course, keeping a "safety distance" is a fooking bullshit. You leave a distance some other fooker jump into your lane in front of you. Knn like that you ride from Pasir Ris to Jurong take fooking 3 hours.

hi guys.. well i have an accident today.. it was raining and while i was making a turn my bike skidded and i fall down.. well the passser by call the ambulance as i couldn't stand up cos my knee hurts alot.. the traffic police came and took awayt my bike.. and a invasgation begins, i told them the road is wet so i skidded.. the police said my punishment will be a summon of 200 bucks and 6 points.. well i dun think it's fair, cos i fall down and did not cause daners to others why r they giving me a summon and deduct of points... can i appeal for this..???

ya if its not fair but i dun think u can appeal. I got into accident this morning 3am on the PIE towards Changi Airport before stevens Road, there is this... ummm... ramp or something on the center on the eway and well done, my bike is as good as total lost. I've a feeling that claiming from LTA is a waste of time but that's the only solution left for me... any advise?

i need some help here.. i was involved in a accident with a car.. the driver jam brake while changing lane ...
i hit the car rear bumper.. he want to claim my insurance but i say settle privatly..
he agree to it.. the repair fee cost around 200.. got so ex mei??

so my question is whether i need to inform my insure company for any private settlement?? just in case the driver backstab me.. some 1 pls help..

Originally posted by k9999@Jan 26 2006, 07:28 PM
i need some help here.. i was involved in a accident with a car.. the driver jam brake while changing lane ...
i hit the car rear bumper.. he want to claim my insurance but i say settle privatly..
he agree to it.. the repair fee cost around 200.. got so ex mei??

so my question is whether i need to inform my insure company for any private settlement?? just in case the driver backstab me.. some 1 pls help..
which insurance are you under?? around 200 for wat damages??

if the driver just ask for 200 and is willing to not claim you why not??

but its best to put in black and white as in the form given above :)

if your insurance is NTUC, you can fax the private settlement form back to NTUC so that your insurance knows that you had made a private settlement and NTUC will not allow the other driver to claim your insurance...

if you find that the price is too ex, find a motor car workshop which can quote you cheaper and ask the driver to go there... just tell the driver that everything will be done and you will be paying if the price is more acceptable for you...

hope the above helps :)

thanks bro
wat if my insure in under mitsui?
insurence is 3rd party
hit the right rear llight and some stratches on the rear bumper..

Originally posted by k9999@Jan 26 2006, 11:09 PM
thanks bro
wat if my insure in under mitsui?
insurence is 3rd party
hit the right rear llight and some stratches on the rear bumper..
i think u pte settlement better
so mnr no need claim

okay i have agree to pay him 180 sing dollars for his damage..
is the damage worth the amount?

Originally posted by k9999@Jan 27 2006, 12:56 PM
okay i have agree to pay him 180 sing dollars for his damage..
is the damage worth the amount?
the amount sounds reasonable... replacing the brake light and painting the bumper...

but pls make sure that the amount paid is full and final in black and white and make sure that both of you have a copy and both of you had signed the black and white... keep the black and white... do give mitsui a call and confirm whether they need the black and white anot... :)

Originally posted by dirt_man8@May 27 2003, 02:59 PM
Guys

I just had an accident today...made me learn a lot of stuff that I would like to share with you all..

This morning , I was turning left in my sch and I have signal my intention to turn long ago. This reckless driver came from behind and bang into my ack wheel..why? maybe he was fast? maybe he was c***? maybe he couldnt care less ? but thats not the main issue.

At the first impact of the bang, I thought I corner too low on tarmac causing my back wheel to slide so I countered steer and managed to escpae from a fate of scratches and bruises. Upon stopping the bike, I expect him to come out of the car looking apologetic, instead, he dashed out giving a **** face and claimed that I stopped too soon and signaled too late..we started to have a heated agrument on whois right and whois wrong and that driver simply dun want to admit his mistake and insisted on claiming my insurance. That arsehole even challanged me to hit him.. DUN!! no matter under what circumstances , you should never lay your hand on the driver...road bullies are always wrong!~

without even giving a care to what he says, I phoned for the police knowing that there wouldnt be a case as theres no damage to public property, no injury, and doesnt affect cyclists or pedestrains. The police arrived and WOW! you see the change in attitude of that guy became instantous.. amazing!!

Police came and took down what happened and will keep it as referance...



When you are involved in an accident, dun panic or be agitated! analyse the situation and select your strong points and work on them!

No matter whether the driver ask for a private settlement or he wana make a claim, report the matter to your respective insurance company and file it under report...NTUC income policies holder can do it at IDAC (few locations) they could even provide free towing if your vehicle cant move.This is to protect yourself against double sided snakes that says they wouldn claim you in front of you but makes a claim behind your back..Your insurance company will access the situation and take down pictures of your bike and hopefully writes a report in your favor..

Next important thing..

If some driver has been performing some "tricks" on the road that you find its a hazzard to other road users safety, you can also do a write in to complain abt them.. all you need is that "stunt" driver or rider's plate number.

Write a formal fax letter to OC Violation Traffic POlice Department telling them what has happened. The fax number is 65474883, the telephone number is 65470000..

Your complain could probably save another rider or driver life.. :thumbs:


Regards
for the stunt thingy....no proof then how will the proper authorities take action?

I was involved in an serious accident few weeks back, now TP say court matters and either me or the other party going to be charge for dangerous driving depending on the investigation and if there is witnesses. But I have clearly written in my statement that its not my fault. And at the point of time, I was admitted to hospital straight, thus unable to find any witnesses. In this case, will I have to find witness myself? I have find a lawyer to do the claims for me. What should I do? Pls advice! Thank you!

I was involved in an serious accident few weeks back, now TP say court matters and either me or the other party going to be charge for dangerous driving depending on the investigation and if there is witnesses. But I have clearly written in my statement that its not my fault. And at the point of time, I was admitted to hospital straight, thus unable to find any witnesses. In this case, will I have to find witness myself? I have find a lawyer to do the claims for me. What should I do? Pls advice! Thank you!

This is very useful... Thx a lot... Useful for new riders like me... :thumb:

Got my 2B license abt 6 months ago.

Would like to ask: if I am involved in an accident, but I only have the car's plate no., no contact details of the driver, still can make claims against the driver? Need witness?

Asking b'cos had a near accident recently. I am on left side going straight, car didn't signal and turn left. Fortunately, everything happen slow motion, but my front wheel still got bumped by the car, and fell on the side. Didn't check my bike then, as first time. And I am ok, luckily. Only later then I realise that I should have at least taken note of the car's plate no in case I find damages to my bike later. But will it help?

i got into n accident 2 weeks back.. its under TP investigation...

the thing is... my bike is at my bikeshop now... how do i go abt it?? can i pay for the repair first n claim later?? coz my relative say that its hard to claim the costs n u nd to engage a lawyer to settle it...

nd help!!!

What to do after a motor accident
http://www.gia.org.sg/howtoguides_MotorAccidentGuide.cfm

other languages here:
http://www.gia.org.sg/howtoguides.cfm

This is a guide to how insurers apportion liability in certain accidents.

The Barometer of Liability Chart will apply in the following situations:

1.Violations of traffic protocol e.g. traffic on right has right of way, stop sign, yellow box junctions etc.
2.Conflicting facts within an agreed scenario.
3.Regardless of the decision of Courts and FIDReC, unless there are new evidences to support otherwise.
4.Restrict to repair cost only.

Exclusion List

The Barometer of Liability Chart will not apply when there is :

a.Independent witness
b.Action taken by the traffic police
c.Repudiation of liability (based on GIA guideline)
d.Admission of liability in the report of one party or there is photographic evidence supporting the version of one party
e.Dispute of facts in respect of the type of scenario used.

http://www.gia.org.sg/BarometerofLiability...ement(BOLA).doc (http://www.gia.org.sg/BarometerofLiabilityAgreement(BOLA).doc)

Hi guys, had a accidental starting of this month.. hospitalised 8 days with i think more than 3 months MC... I had a bike shop ; recommended by my lawyer, to repair the bike. Currently unable to ride and is at bike shop. With the time frame of MC expected, can I cancel the insurance temporailly? How about road tax? Heard from my friend able to do it!! Also wondering, is it easy to make claims from NTUC? Meaning my insurance is NTUC, opposite party NTUC too. I am not at fault for I was travelling on straight road and veh came out of minor road without stopping (there was a stop-line).

too many Q, too less replies.. cant breathe... haha..

But huh really must take pic ah, my fren also tio 'A' for damages not done by him, asked to pay 7k...

Hi guys,I'm a new rider here with less than a month's experience and got into a accident last night.

I was travelling along east coast road and nearing a traffic light, i was moving behind a taxi and then he suddenly stop..i knew i could not break in time so i swirved away and I brushed past his tail light and bumper.

The result was his tail light and bumper was damaged, and my ferring gt 1 huge scratch. We pulled over and got into a heated arguement and both sides refused to exchange particulars as he keep claiming is my fault.He then called police to come down.

I failed to have get his particulars and photos of his cab and witness information, then out of the blue, 2 insurance claim consultants came and told me to ride off with my fren 2 see a doctor...blur blur..i did as told.

So now what do i do now guys..i really duno how to go about this case now

NOTE : I wasnt speeding..going abt 50km/h but my ebreak technique still newbish..i still P plate :sweat:

Ok mine happen today 7/3/2007 at bukit batok st 22..

im going straight to cka motorbike shop..

a junction before cka, it is still green light.. i saw taxi on my right.. alright..
it is my right of way now.. cause im travelling straight..

but who knows the taxi driver turns out neglect my presence..
i bang into the taxi.. i braked already when i see him turning but it is too late. i bang into the taxi left side near to fuel tank 's area..

he is nervous.. quickly got out of his taxi come to me. ask me anything happen 2 me..
im there pointing at my bike saying.. my bike how?

he sae.. doesnt' matter u can claim it from insurance. he ask me anything happen 2 me bike not tat impt.. i sae i dunno not sure.. i give him a stun look cus im really stun dat time..
he quickly call the ambulance.. and civic defense came.. fetch me to NUH.
i been there from 7:30pm to around 11pm then i receive a x-ray . my reports shows im fit to be discharged..

now i wana know is.. my bike which is at the accident sence... how do i get it back? as i already called 999 and ask them bout my bike condition. they sae i can chat with the traffic police..

and also.. the insurance claim.. how do i go bout doing it ?
the uncle is so nervous and keep saeing he is doom , end of work for him.. can retire or something like that..

ok im on 2nd party fire & theft...
can anyone help now?
i been discharged got 3 days medicial leave as i sprain my wraist and bruise my back. lucky im alright but my bike is gone case...

hi bro,


if i'm not wrong ..ur bike is FX8666D , it's at the Traffic Police Pound at Airport Rd

if you need more info, please contact Traffic Police and ask for IO 97031, ur case ID is J/202 ..

hope that helps ..




get well soon bro ..

Originally posted by 7sixxer@March 08, 2007 03:16 am
hi bro,


if i'm not wrong ..ur bike is FX8666D , it's at the Traffic Police Pound at Airport Rd

if you need more info, please contact Traffic Police and ask for IO 97031, ur case ID is J/202 ..

hope that helps ..




get well soon bro ..
hello there! u are right.. how do you know my bike number? are u a traffic police?

thanks for blessing.. :cheer:

Originally posted by Soomp!@March 08, 2007 03:18 am
hello there! u are right.. how do you know my bike number? are u a traffic police?

thanks for blessing.. :cheer:
no lah bro ...

i'm handling the towing of accident vehicles and such ...

for ur case, just call the IO ... liase with him when you can take ur bike back. once he gives you a date and time, liase with your bikeshop to tow ur bike to their shop (if ur bike is unable to be ridden .. if it is, ride to ur bike shop lor ) ... think ur bikeshop can do ur claim for you ..

and if u have any injuries, i think you can even claim from the other party for your injuries and so forth .. i'm not too clear on that, maybe you'll like to get advice from your insurance company ?

Originally posted by 7sixxer@March 08, 2007 03:25 am
no lah bro ...

i'm handling the towing of accident vehicles and such ...

for ur case, just call the IO ... liase with him when you can take ur bike back. once he gives you a date and time, liase with your bikeshop to tow ur bike to their shop (if ur bike is unable to be ridden .. if it is, ride to ur bike shop lor ) ... think ur bikeshop can do ur claim for you ..

and if u have any injuries, i think you can even claim from the other party for your injuries and so forth .. i'm not too clear on that, maybe you'll like to get advice from your insurance company ?


if i cant ride now , is it ok if i ask my bike shop to do the tow too ?
i will call the traffic police and my insurance company tml. thanks a lot.. your help is appreciated..

:smile:

checked with my driver, think ur bike tank suffered quite a bad damage .. no fuel inside, all leaked out .. and u definately need a tow truck as ur bike wheels are jammed and unable to push..

Originally posted by Soomp!@March 08, 2007 03:30 am


if i cant ride now , is it ok if i ask my bike shop to do the tow too ?
i will call the traffic police and my insurance company tml. thanks a lot.. your help is appreciated..

:smile:
yups, you could .. juz check with the IO if u need to come down to sign any forms to release ur bike or if your bike shop can do that on ur behalf ..


no probs bro .. hope the info helps :thumb:

Originally posted by 7sixxer@March 08, 2007 03:32 am
yups, you could .. juz check with the IO if u need to come down to sign any forms to release ur bike or if your bike shop can do that on ur behalf ..


no probs bro .. hope the info helps :thumb:
ur info do help greatly.. im still figuring out what to ask the traffic police tml on the fone. but with ur case number i could get into the topic easier..

thanks again!! :cheer: :cheer:

Originally posted by Soomp!@March 08, 2007 03:42 am
ur info do help greatly.. im still figuring out what to ask the traffic police tml on the fone. but with ur case number i could get into the topic easier..

thanks again!! :cheer: :cheer:
no worries ..


when u call, just ask for the IO, when the IO picks up , inform your name and ur case number. then just ask him if you can take back ur bike...

that's all .... if there;s anything else, he will inform you on it ..

:goodluck:

HI GUYS,

Last week, a van reversed(blindly) and knocked into the front part of my bike. Only damage to my bike is the front mudguard broken. The driver say he will pay for my repair. So i didnt go n make accident report. Now i go repair oredi.... he trying to avoid paying me.... im currently insured under mitsui. can i go n claim his insurance?

Would appreciate any advice from u guys. Thanx...

Originally posted by farhanidris@March 09, 2007 04:06 pm
HI GUYS,

Last week, a van reversed(blindly) and knocked into the front part of my bike. Only damage to my bike is the front mudguard broken. The driver say he will pay for my repair. So i didnt go n make accident report. Now i go repair oredi.... he trying to avoid paying me.... im currently insured under mitsui. can i go n claim his insurance?

Would appreciate any advice from u guys. Thanx...
sms him, say u r taking up legal actions against him if he does not settle payment (repair fees + lost of transportation costs) by, say, 20th March 2007

sms him, say u r taking up legal actions against him if he does not settle payment (repair fees + lost of transportation costs) by, say, 20th March 2007


--------------------

Thanks.....I will try that strategy.... see whether this fella scared anot. By taking legal actions u mean claim his insurance ?

wed i just kanna hit by lorry from behind...i stop at the slip rd give way line...i turn my head he toking on hp and just whack me from behind.he hit me my bike nv drop or wat, onli box scratch ..hi lorry dented......privately settle he compensated me...:cheeky:

how much to claim for lost of transportation costs?

Last time I claimed something like $15 or $20 /day for lost of transport.

BTW, I had to hire a lawyer to do my insurance claims. Paid him around $300, paid workshop around $400, I still have $300 extra. Something like that. Too long ago.... 2003.... The lady driver hit my rear fender, cracked. At first say she pay, but later decided not too. Tell me to claim her insurance. I fed up after talking to her and husband, so hire lawyer. So dum. Wonder if she lost her NCD or not...

i kena accident saturday night @ yishun..

now prob is .. the taxi driver cnat b contact.. we agreed to settle outside..

the phone number he divert to else where.. i cant contact him

can i call police? and make a case..

We go see nearby clinic only since i hv no injury n decided to settle outside...

:help: :help: :help: :help: :help:

copy of private settlement form

Hi, just got into an accident with a car,and driver says want to settle as she jus got her driving license..so i say ok , brought me for an xray which cost abt 110 and bike repair cost $2600 . We got black and white stating she will be paying the full cost of the repair by nxt tue 12/06/07. if in any case she decide to back out , does the paper cover as proof? and i got her plate number also , but car was not owned by her..its her friend.. so in this kinda scenerio, if she run away what should i do?

i met an accident...... at woodland area and it my first time accident... and i need help.... cos it my first.... along wdland dr44 there left turn to carpark and later right to vista point... i was behind this vehicle abt to turn right to vista point. driver was not slowing down or signalling when i was turning right.. so i turn right upon reaching right turn while turning he also turn right and at that moment after turning right i guess he saw me last min and he signal right... but it was already too late.....i panic and hit front side part of his vehicle...now the problem is that he did not signal earliear last min signal and also no braking light...so what i would like to noe all motorist opinion...what i should do and don't...i went hospital for dressing my injuries statement from tp not yet taken... on monday... and how am i able to claim and procedure... plz help... thanks

Hi, just got into an accident with a car,and driver says want to settle as she jus got her driving license..so i say ok , brought me for an xray which cost abt 110 and bike repair cost $2600 . We got black and white stating she will be paying the full cost of the repair by nxt tue 12/06/07. if in any case she decide to back out , does the paper cover as proof? and i got her plate number also , but car was not owned by her..its her friend.. so in this kinda scenerio, if she run away what should i do?You got her contact ad IC no rite? She also signed in the b&w document rite? Then if she back out, hire a lawyer and shoot her. :P

I got into an accident at aye last mth, i hit a wooden plank and skidded, no pther parties is involved, i have 2nd party and bike shop said i cant make a claim, can i claim from LTA? Anyone had a case similar to me? WEnt to TP headquarters fpr interview and i was not charged with anything.

Hmmm...Possible to claim from LTA if accidents is caused by road hazards stuff like plank, chair. etc on the road?
I kenna on a flyover and almost both lanes was covered with plastic tube etc provided i got a picture of it.

hey guys, i got into an accident 3 months ago where i hit the back of a car. not because i was reckless but it was a traffic jam and accidently hit the back causing some minor dent in the bumper. the claim letter finally came yesterday. he asking for abt 3k in damages. what are the procedures my insurance company will take? will i have to come out money(other than raising the premium)? does it really take that long to process?

Got an accident on 25th MAY. Incident happen, Park at parking lot kana knock by a parking bike beside mine. And claim that his bike hit by other that not there.. (Run Away) wait for the owner to come and get his particular, write in black & white.
Claimed dun know how come his bike knock my bike, after finish work to collect his bike, and write that I request the claim againt his insurance. Should be someone sitting on his bike and cause the bike drop and hit mine..

Went to Idac for a report and to my bikeshop for repaired withness by other partly surveyor and take some photo...

Now the case is. Other partly insurance rejested my claimed and a reason was not the other partly fault's to cause the bike fall on to my bike.. That why my claim not approved..

What can I do? I really want to get and win this case..

Appreicate someone can help..

hi just knocked into a car mirror,cause some stratch on its mirror by my clutch lever. may i know roughy how much to spray?

i hit e rear bumper of a mazda 3.there was visible concave dent about 1/10 of the rear bumper. Police came.take statement or something.paramedic came. Is it possible for private settlement? I don't want my insurance premium go up the sky. how?

how bout a simple situtation ? i type out if any part is wrong pls correct me

biker riding. car bang him from behind. he is injured ,bike also damage.

what should the biker do ??

1. take down no plate,ic. house adrress, find witness.

2. call police/tp /ambulance.

3. call ntuc or ur insurance no.????

4. go idac ???? (own bike shop cannot ? ) ??

im lost on 3. and 4. . any advise

Hmmm...Possible to claim from LTA if accidents is caused by road hazards stuff like plank, chair. etc on the road?
I kenna on a flyover and almost both lanes was covered with plastic tube etc provided i got a picture of it.


I got into an accident at aye last mth, i hit a wooden plank and skidded, no pther parties is involved, i have 2nd party and bike shop said i cant make a claim, can i claim from LTA? Anyone had a case similar to me? WEnt to TP headquarters fpr interview and i was not charged with anything.
how we all wish we could file claims from LTA... haven't heard of any and seriously don't think we could be successful.
if can, then LTA would have to set up a compensation department liow... coz there're so many things on our roads that could cause accidents.

my first and biggest complaint... the road markings are so slippery when wet that many bikers buang when going over them. i'm a very careful rider but also kanne before. can't they use better non-skid materials since technology is so advanced now??? but then, they can easily say don't ride over them lor :angry:

http://www.websmileys.com/sm/mad/boese028.gif

hey...i might be a little out of place here...cuz i was actually driving when an incident happened...was travelling along robinson road, turning into finlayson green.it was a right bend, and i saw a bike coming extremely close to me somewhere behind on the right side. the guy brake, and thus skidded, or he would have crashed into me. i was just following my own lane, but he claims that i caused him to skid when in my opinion is that he went was too fast and too close to me. he suffered some small cuts and theres a scratch on his bike. we have each others name and contact number and thats it, he did not take any photo or anything else. just wanna know would i be liable for anything as the only reason i stopped was that he skidded right beside me, and i stopped to see what has happened and if i could help but as i've mentioned earlier, he claimed that i caused him to skid.

Suggest you talk to him and clear things up. Hope you had taken photos of his bike and injuries.

If still no go then might wanna consider TP and insurance

is the lane you were traveling on only for right turn or also can go straight?
if can also go straight and you didn't signal to turn right, then rider might have assumed you'll be going straight and thus thought he could pass you on the right. but to his horror, see you turn right, jammed brake like siow, skid & buang. hmmm... natural that rider will blame you for not signaling, driving "recklessly" and suddenly turning, causing him to buang http://www.websmileys.com/sm/evil/teu02.gif

if the lane can only do right turn, then its i guess the biker made a pretty bad judgment trying to pass you on the turn. there's little you could do but to slow down or stop. biker buang, he'ld probably say you suddenly cut in or stop for no good reason http://www.websmileys.com/sm/animal/7.gif

as a biker, i'm sad to say this but it seems like the poor chap is trying to find someone to pay for his repairs. sigh... its somewhat human nature to blame and transfer loss to others.

in my opinion, you should cover yourself by lodging a police report at any neighborhood post asap. tell the police officer recording the statement that its for record purpose only, just in case the biker lodge a police report stating a different story. you should also attach a drawing indicating the exact location and relative positions of your car and the bike. if the biker file a claim against you and you don't have any documentary to counter his claims, then you'll be in a very disadvantageous position. you may wanna check with your insurance if you need to fax a copy of police report to them :giddy:


in any case, riding theory and defensive riding tells us (riders) to keep safe distance and not to overtake on the bend or at turning corners where many driver "piew chiu" 失手. the inner side of a turning vehicle is especially dangerous becoz the available gap for bike to go through closes in towards curb or another vehicle during the turn. worse case situation, kanna hamburger in between 2 vehicles, buang and go under one of them. i ever saw a courier delivery bike go under a lorry at a bend on Keppel Road heading towards railway station. bike gone case, one of biker's legs (shin downwards) also gone case. biker was darn lucky he didn't go under the wheels too. i saw the whole unfortunate episode as i was driving just behind and the scene still stayed in my memory after some 13 years.

cheers

bros.

do you guys have any lawyer that is very willing to go all the way no matter wat?

my accident goes like this.

my bike was going straight. this car on the opposite side didnt see me and turn right ( my left ) and i got into a head on collision. the green light was in my favor. so to cut the story short, i am right. he is wrong.

but the current lawyer says "you will win but i cannot garentee u get 100% claim." and i dont like that. so i need a lawyer who can confidently say he can win for me 100% of the claim.

so if you guys know anyone, and please not because that lawyer is ur friend or someone you know but more of a good reputation and history, please contact me at 97539764 Qrisx.

Thanks so much.

hey guys, i got into an accident 3 months ago where i hit the back of a car. not because i was reckless but it was a traffic jam and accidently hit the back causing some minor dent in the bumper. the claim letter finally came yesterday. he asking for abt 3k in damages. what are the procedures my insurance company will take? will i have to come out money(other than raising the premium)? does it really take that long to process?

so ex??
ya hoh can sum1 advise?

let me share my scenerio, that time i stop at slip rd and 1 lorry hit my box from behind and my bike just roll forward, nv fall down. his lorry dented my box 1 small scratch. b4 he hit me i turned my head looking out for traffic and same time i saw this driver toking on his hp b4 he hit me,..

after he came out of his lorry 1st thing i asked him " r u using ur hp?" he said yes , i demand compensation $500, or i claim insurance..

finally settled for $450 private settlement. :cheeky:

let me share my scenerio, that time i stop at slip rd and 1 lorry hit my box from behind and my bike just roll forward, nv fall down. his lorry dented my box 1 small scratch. b4 he hit me i turned my head looking out for traffic and same time i saw this driver toking on his hp b4 he hit me,..

after he came out of his lorry 1st thing i asked him " r u using ur hp?" he said yes , i demand compensation $500, or i claim insurance..

finally settled for $450 private settlement. :cheeky:

wow.. ur box muz be some branded H & B box.. costs $500 :P

i had an accident jus now... my fault i makan abit into oposite lane around a bend and head on collision wif oncoming van. we were both slow ard 50km/h i hit the side onli n we both buang. so ya its my fault i admit n we changed particulars. den i told driver claim frm my insurance... den i ciao. so wat am i supposed to do next? btw ii onli got scratches on hands and swollen foot. went NUH n chek noting serious.

bros.

do you guys have any lawyer that is very willing to go all the way no matter wat?

my accident goes like this.

my bike was going straight. this car on the opposite side didnt see me and turn right ( my left ) and i got into a head on collision. the green light was in my favor. so to cut the story short, i am right. he is wrong.

but the current lawyer says "you will win but i cannot garentee u get 100% claim." and i dont like that. so i need a lawyer who can confidently say he can win for me 100% of the claim.

so if you guys know anyone, and please not because that lawyer is ur friend or someone you know but more of a good reputation and history, please contact me at 97539764 Qrisx.

Thanks so much.

Your lawyer is being realistic and setting the right expectations for you, instead of not telling you and leaving you to find out at the end when the damages are determined.

A lawyer can tell you when you definitely won't win; but no lawyer should tell you that you definitely will win the case for 100% of the damages because hardly any cases are that clear cut, including yours.

.... there wouldnt be a case as theres no damage to public property, no injury, and doesnt affect cyclists or pedestrains.
......

Regards

How can there be no injuries? You said u suffered bruise and scratches right? That count as an injury mah. Who knows if there is internal injury or not? Only doctor will know.

I was involved in an serious accident few weeks back, now TP say court matters and either me or the other party going to be charge for dangerous driving depending on the investigation and if there is witnesses. But I have clearly written in my statement that its not my fault. And at the point of time, I was admitted to hospital straight, thus unable to find any witnesses. In this case, will I have to find witness myself? I have find a lawyer to do the claims for me. What should I do? Pls advice! Thank you!

The TP will look for the witnesses. You lawyer will be the best person to advice you. When there is no witness, the TP will rely on the statements from both parties and maybe look at your past records to make a judgement. Sad (or happy) to say, the court will take their word for it since they are the... i dunno the word for it... officials?

bros.

do you guys have any lawyer that is very willing to go all the way no matter wat?

my accident goes like this.

my bike was going straight. this car on the opposite side didnt see me and turn right ( my left ) and i got into a head on collision. the green light was in my favor. so to cut the story short, i am right. he is wrong.

but the current lawyer says "you will win but i cannot garentee u get 100% claim." and i dont like that. so i need a lawyer who can confidently say he can win for me 100% of the claim.

so if you guys know anyone, and please not because that lawyer is ur friend or someone you know but more of a good reputation and history, please contact me at 97539764 Qrisx.

Thanks so much.

Like what contrarian say, thats how the way they present the case to you. No one can be 100%. But if the TP rules in favour of you, you are actually 100% of winning the case, but doesn't mean you are 0% reponsible.

Ya, thats a fact. So the other party will offer you maybe 90% of your losses (private settlement). If you dun accept, fight in court lor. But the law says you have to pay a certain percentage of the court fees even if you win the case. This is to prevent pple from suka suka go court. So if the $$ isnt important to you, i suggest go all the way and make them pay every single cent though you might have to pay more for court fees. If you are like me need $$ one, you got no choice but to accept the offer.

i had an accident jus now... my fault i makan abit into oposite lane around a bend and head on collision wif oncoming van. we were both slow ard 50km/h i hit the side onli n we both buang. so ya its my fault i admit n we changed particulars. den i told driver claim frm my insurance... den i ciao. so wat am i supposed to do next? btw ii onli got scratches on hands and swollen foot. went NUH n chek noting serious.

You got to report the case to your insurance company. Thats all.

hey...i might be a little out of place here...cuz i was actually driving when an incident happened...was travelling along robinson road, turning into finlayson green.it was a right bend, and i saw a bike coming extremely close to me somewhere behind on the right side. the guy brake, and thus skidded, or he would have crashed into me. i was just following my own lane, but he claims that i caused him to skid when in my opinion is that he went was too fast and too close to me. he suffered some small cuts and theres a scratch on his bike. we have each others name and contact number and thats it, he did not take any photo or anything else. just wanna know would i be liable for anything as the only reason i stopped was that he skidded right beside me, and i stopped to see what has happened and if i could help but as i've mentioned earlier, he claimed that i caused him to skid.

He is behind. If there is only one lane in turning, how can you be at fault? Cuz we learn to turn one at a time in school. If he come too near, he ownself stupid cuz we are suppose to keep a safe distance from the front vehicle. And this is a turn somemore. He probably run wide during the corner and jam brake. Losers.

If there are 2 lanes, you may be at fault if you eat into his lane. If not, you wont be at fault either. Dun let this kindof losers mislead you. If i were you, I'll offer to call the TP on his behalf on the spot. See whether he get demerit points anot.

I got into an accident at aye last mth, i hit a wooden plank and skidded, no pther parties is involved, i have 2nd party and bike shop said i cant make a claim, can i claim from LTA? Anyone had a case similar to me? WEnt to TP headquarters fpr interview and i was not charged with anything.

U can try. I read someone successfully claim from LTA a self skid case due to gravel. The logic is we pay road tax for a safe road. We pay who? LTA. So who should keep the road safe? LTA.

how we all wish we could file claims from LTA... haven't heard of any and seriously don't think we could be successful.
if can, then LTA would have to set up a compensation department liow... coz there're so many things on our roads that could cause accidents.

my first and biggest complaint... the road markings are so slippery when wet that many bikers buang when going over them. i'm a very careful rider but also kanne before. can't they use better non-skid materials since technology is so advanced now??? but then, they can easily say don't ride over them lor :angry:

http://www.websmileys.com/sm/mad/boese028.gif

The markings are diff story. The markings are EVERYWHERE. And we are tot in school to be careful at the markings, esp when its wet. But you dun see a plank or gravel every other day.

wow.. ur box muz be some branded H & B box.. costs $500 :P

pay 500 better than deduct 12 pt + hp donate to tp and fine :cheeky:

i recently just got into an accident.was travelling straight until a car suddenly switch lane to my lane without signalling.i try to avoid,brake but still hit the right side of the place where he pump petrol.i flew and my pillion flew.ambulance came but rejected to go to hospital.but the next day,went to hospital as i started nose-bleeding.then took x-ray.sent my bike to IDAC for assessment and now my bike is at my bikeshop.bikeshop say the will do claim for me.but he said that is for property claim but not injury claim.for injury claim,i got to hire lawyer?but as me and the driver of the car are insured with ntuc,do i still need to hire a lawyer for injury claim?or ntuc will assess and pay me for the injury claim?bros here,please help.thanks.

i recently just got into an accident.was travelling straight until a car suddenly switch lane to my lane without signalling.i try to avoid,brake but still hit the right side of the place where he pump petrol.i flew and my pillion flew.ambulance came but rejected to go to hospital.but the next day,went to hospital as i started nose-bleeding.then took x-ray.sent my bike to IDAC for assessment and now my bike is at my bikeshop.bikeshop say the will do claim for me.but he said that is for property claim but not injury claim.for injury claim,i got to hire lawyer?but as me and the driver of the car are insured with ntuc,do i still need to hire a lawyer for injury claim?or ntuc will assess and pay me for the injury claim?bros here,please help.thanks.

You need to make a claim against the other car's insurer Income first before they will come and assess your claim. You can do this yourself if you're confident enough and know what you're doing.

If your injury is serious or has long term implications (ask your doctor), you should consult a lawyer. Perhaps the best way is to go to a legal clinic and get a 20 minute free assessment on the basics of your case.

hi bros, just met with an accident yesterday. a van infront of me jam brake, i also jam brake but my friend behind me couldnt stop in time and collided into my rear. Im gonna claim from his insurance since he collided into my rear but the van which was brought to the workshop claimed that their cost to repair was 700 when there was only minor scratches on its rear. what should i do now? should i get them to claim from my insurance or my friend's since he was the one that collided into me and thats why i hit the rear of the van. if so, would it affect my insurance premium next year? im a p plate and 19 years old. please help. thanks.

hi bros, just met with an accident yesterday. a van infront of me jam brake, i also jam brake but my friend behind me couldnt stop in time and collided into my rear. Im gonna claim from his insurance since he collided into my rear but the van which was brought to the workshop claimed that their cost to repair was 700 when there was only minor scratches on its rear. what should i do now? should i get them to claim from my insurance or my friend's since he was the one that collided into me and thats why i hit the rear of the van. if so, would it affect my insurance premium next year? im a p plate and 19 years old. please help. thanks.

In a word, yes. It will affect your premium.

The insurance company should fight to reduce the $700 claim, but because the lawyer's fees will be much more than $700, insurance companies are not willing to do it. So they settle the claim, and pass the cost to their customers.

If the van has good reason to jam brake, such as to avoid an accident, then you are to blame. Even if he has no good reason to jam brake, you are also partially to blame, but maybe he is entitled to less of what he is claiming for.

Just wondering, does the new GIA policy for reporting all non-injury accidents regardless of seriousness within 24hrs essentially puts an end to private settlements?

The "threat" by the insurance company is that you will lose your NCD or forfeit your coverage if you fail to report accidents. Wouldn't that just mean less private settlements and more insurance claims?

I tot there is a private settlement form that you can print from ntuc webby... If both party were to sign it, even though they have to report the accident, they can choose not to claim from insurance. They still can enter into private settlement if both party agrees to the amount.

Of course you can continue private settlements. You'd just have to report the incident and the damage, it doesn't mean you or the other party have to make a claim.

with the new GIA ruling, after an accident we need to do these?
In simple terms:
1) take down particular of opposite party vehicle number, ID and address?
2) tow bike to preferred bike shop?
3) contact insurer within 24hours?

simple as that? or more? :confused:

see GIA
http://www.gia.org.sg/pdfs/Industry/Motor/Final%20Brochure_9%20May%2008.pdf

see GIA
http://www.gia.org.sg/pdfs/Industry/Motor/Final%20Brochure_9%20May%2008.pdf
Thank you, actually I'm the first to post the GIA news somewhere else :lol: just that I find we might not get as much benifits($$$) as before, for us and our bikes if we were to claim using their method now. :pity: Also this MIA thing is not well known enough to other motorists who would be in the losing end if there were not to comply. Till now I've yet to receive a formal notice about this news from my insurance company(NTUC) and all. :nono:

Hi, i was in an accident somewhere with my bike and a pillion. Self skidded. We both ok just minor injuries. But my bike was towed away. I donnow where. Called the ambulance and they came to pick us up and send to the hospital. My bike was left there with the traffic police. The TP ask me how come can accident? I just tell them there were sand out on the road. So what's next? Till now i got no reply from the police about my bike. What's next? pls help me.

Thank you, actually I'm the first to post the GIA news somewhere else :lol: just that I find we might not get as much benifits($$$) as before, for us and our bikes if we were to claim using their method now. :pity: Also this MIA thing is not well known enough to other motorists who would be in the losing end if there were not to comply. Till now I've yet to receive a formal notice about this news from my insurance company(NTUC) and all. :nono:

Actually, they haven't informed you because it doesn't take effect until you renew your policy. They haven't changed the terms of existing policies. See slide 22 of GIA presentation: http://www.gia.org.sg/pdfs/Industry/Motor/Motor%20Claims%20Framework-Final%20Presentation-For%20Website.pdf

Secondly, all you have to do is to report the accident at the authorised reporting centre. It doesn't mean you have to get your vehicle report repaired there. It doesn't mean no private settlements.

In effect, practically everything is the same as before, except for the reporting requirements, and also some assistance you can get from your own insurer in the event of an accident.

This accident happen to me early june.

I was at scotts road at left turn lane to Orchard Road (just beside CK Tang and just before the ERP Gantry) waiting for the road to be clearer before I can proceed to filter in to the next lane as the first lane is a bus lane. a few second later, I was slighly bump from behind by a car. there was damage to my exhuast and his number plate.

In such case, would I lose the case or do I have to bear part of the responsibility when the insurance claim is filed or if the driver make other wild claim like I suddenly stopped or whatever ?

... I was slighly bump from behind by a car. there was damage to my exhuast and his number plate.

In such case, would I lose the case or do I have to bear part of the responsibility when the insurance claim is filed or if the driver make other wild claim like I suddenly stopped or whatever ?
in the "eyes" of traffic rules, party at the rear is usually deemed to be at fault as motorists are supposed to maintain a safe distance which provides sufficient reaction time, regardless on common streets or expressways. with this, being the front party means you have the advantage unless your report is "badly" written.

however, "guilty" rear parties rarely admit fault even if they are "negligent" (unless personal settlement and not making insurance claims) as it may "undermine" his/her insurance coverage. especially with the new insurance rule where every accident, regardless of damage, must be reported within 24 hours, ALL PARTIES will claim that the other party is at fault :eek:

some common allegations by rear party...
* front party suddenly stop for no good reasons or prior indications... but this excuse can be easily rebutted as driver is supposed to stay alert and maintain safety distance :nono:
* front party suddenly cuts into his/her path without warning and then stops in front of car, leaving driver with insufficient or no reaction time at all. this allegation is especially bad for us as motorcyclists are notorious for weaving around traffic and often haphazardly :angry:
intention is to blame the other party for causing the accident, or at least share the fault to lower liability

This accident happen to me early june.

I was at scotts road at left turn lane to Orchard Road (just beside CK Tang and just before the ERP Gantry) waiting for the road to be clearer before I can proceed to filter in to the next lane as the first lane is a bus lane. a few second later, I was slighly bump from behind by a car. there was damage to my exhuast and his number plate.

In such case, would I lose the case or do I have to bear part of the responsibility when the insurance claim is filed or if the driver make other wild claim like I suddenly stopped or whatever ?

in the "eyes" of traffic rules, party at the rear is usually deemed to be at fault as motorists are supposed to maintain a safe distance which provides sufficient reaction time, regardless on common streets or expressways. with this, being the front party means you have the advantage unless your report is "badly" written.

however, "guilty" rear parties rarely admit fault even if they are "negligent" (unless personal settlement and not making insurance claims) as it may "undermine" his/her insurance coverage. especially with the new insurance rule where every accident, regardless of damage, must be reported within 24 hours, ALL PARTIES will claim that the other party is at fault :eek:

some common allegations by rear party...
* front party suddenly stop for no good reasons or prior indications... but this excuse can be easily rebutted as driver is supposed to stay alert and maintain safety distance :nono:
* front party suddenly cuts into his/her path without warning and then stops in front of car, leaving driver with insufficient or no reaction time at all. this allegation is especially bad for us as motorcyclists are notorious for weaving around traffic and often haphazardly :angry:

His damage was almost right in the centre of his car plate and my damage was dead centre of my exhaust rear, so there was no way, I could have cut in and for him to knock me so abruptly and even if so, the impact would be much greater as he would be travelling at much faster speed and I would have fallen off my scooter.

Wahh power now i know self skidded kana 6 points and fine $200 or revoked... what the heck!!!!

Hi, self skidded = reckless = causing danger to road users

This is how ironic the rules are. Have to accept it.

Hi All,

Took a fall on my bike last Sunday, need some advice on how to handle the repairs and claims etc. Please pardon if a bit long.

The Accident:
I was coming from Bukit Batok onto the PIE, going towards Changi, and exiting onto Clementi Ave 6. As you know, this exit is a tight but smooth 270º curve, with two lanes. I was in the right lane, which was clear, and there were some cars on the left lane. I must have been travelling at ~60km/hr, slightly faster than the cars on the left.
About halfway round the curve, a black Honda Jazz changes lanes and comes in front of me. I honked and hit my front brakes (yes, bad move, I know), at which point I lost control and went down heavily. There was no contact with the car itself.
My friend was following on his R1, somehow managed to avoid me & my wreckage. He went on until the bus stop near the traffic light, parked there and ran back to help me. The errant car had not stopped after the accident, but another motorcyclist who witnessed this came back to tell me he got the car number and told him to come back. Unfortunately I didn't get this rider's name or number (was still too much in shock). If that Phantom rider is reading this, can he please come forward?
Another rider going the same direction a few mins later stopped to help me lift up the bike. I waited until I had caught my breath, then rode it to the same bus stop and sat down there. The car guy showed up after a while, asking what he could do to help. I asked him to take me to NUH A & E. My friend followed on his R1.

NUH:
Once I'd registered at NUH and they told me the waiting time was quite long, I exchanged particulars with the driver and he left.
From what I heard him talking on the phone during this time, his story matches mine - he changed lanes because he didn't see me coming, and I crashed trying to avoid him.
The doctor gave me 4 days' MC. I made a police report at the post there, the text of which is as follows:

On 15/06/2008 at 2215 hrs I was riding my m/cycle, FWxxxx, along PIE towards Changi slip rd to Clementi Ave 6. I was on the right hand lane of the slip road when a black Honda SSSxxxx moved from the left lane to the right lane in front of me, on the bend. I had to brake and take avoiding action, which caused me to me skid and fall. The driver of SSSxxxx came back to render assistance. I have received 4 days of M.C. from NUH A & E. That is all.
Listed my friend as witness.

Insurance:
Since I have AXA comprehensive insurance, I had to go down to city the next day (Mon) to make the accident report. Attached the Police report, made a sketch, and said I aim to claim from 3rd party.

The Damage:
From what I had seen briefly of the bike, the damage was mostly superficial - broken top fairing, scratched indicators, dent/scratch in fuel tank, other scratches here and there.
On Tue, I got the bike towed to my workshop along with the insurance report. Mechanic spotted some more damage, but confirmed a couple of days later that there's nothing mechanical/structurally damaged.

Discussion on Private Settlement:
Got a rough estimate from my workshop on Sat (21/6)for the repairs, and called the car driver to see if he wants to discuss a settlement. The conversation can be paraphrased as follows:
ME: "My workshop has taken a look at the damage and estimates $2500 for full repair... which I will be claiming against your 3rd party insurance. But if you want to discuss some kind of settlement, we can work out a lower figure."
HIM: "If you want to claim, claim! It's not my fault. You were still behind me, so whatever it is it's your fault. My insurance agent told me the same thing when I asked him."
End of conversation.

Options for repair & claim:
1. First Party claim: I use my own insurance to pay for the repairs; replace fairing, engine casing... everything that's even slightly scratched or damaged. Respray fuel tank also. Pay my excess ($1300), then try and claim this back from third party, in addition to injury, loss of use etc.
Advantage: Full repair
Disadvantage: Claim may not be be successful, which would screw my premium next year
2. Partial repairs, pay from pocket: Since mechanic says functionally everything is ok, I do the essential repairs, pay from pocket (~$300) and forget about the whole thing.
Advantage: Minimum hassle, things move on; no danger to insurance premium
Disadvantage: Some damage will be left... even if it's only superficial.

Question:
Is the car driver right? Will he get away scot free? Can blame be established where there has been no impact? Am I better off just dropping the whole matter?

And if I drop the insurance claim, will the TP investigation also be closed, or will that go on?

Thanks for reading so much :) Any advice appreciated!

- M

crankcase, you have comprehensive insurance. Speak to your insurer's claims department on what they will do, or what they advise you.

For the property damage only, the easiest way is to make the own damage claim, and let your insurer decide if it wants to pursue the other party for recovery. This saves you the time, effort and money of making a third party claim for yourself (which is typically worth the few hundred dollars more in premium).

But your case is not so simple since there could be losses for bodily injury - so don't give up the option of making a third party claim yet until you understand the impact on the injury loss and any potential claim.

Please discuss with your insurer's claims officer or manager about your case and then decide with the benefit of knowledge.

You can also make a claim against the other party's insurer now and make your case now, but wait for more particulars later to see if you want to carry on that way. You should also discuss this with your insurer's claims department and get their view.

crankcase, you have comprehensive insurance. Speak to your insurer's claims department on what they will do, or what they advise you.

For the property damage only, the easiest way is to make the own damage claim, and let your insurer decide if it wants to pursue the other party for recovery. This saves you the time, effort and money of making a third party claim for yourself (which is typically worth the few hundred dollars more in premium).

But your case is not so simple since there could be losses for bodily injury - so don't give up the option of making a third party claim yet until you understand the impact on the injury loss and any potential claim.

Please discuss with your insurer's claims officer or manager about your case and then decide with the benefit of knowledge.

You can also make a claim against the other party's insurer now and make your case now, but wait for more particulars later to see if you want to carry on that way. You should also discuss this with your insurer's claims department and get their view.

Hi, thanks for the advice. From what the AXA helpdesk told me (when I filed the accident report) and what my workshop told me: if I submit directly for a third party claim, the process will takes weeks if not months, and the bike cannot be repaired until that guy's insurer sends someone to inspect etc. They suggested I go ahead with 1st party claim, pay my excess... and then claim for this + injury + 'loss of use' etc from the other guy. This will speed up the process, and if my claim is successful, my insurance premium won't take a hit.

Do you think this is a good course to pursue?

Thanks

- M

Personally, I always try to buy comprehensive insurance for this reason - it makes any potential third party claim much easier. The few hundred more dollars for the insurance is nothing compared to the time, effort and money of making your own claim.

Still, if I were you, I would go ahead and notify the third party insurer of the accident, that you are holding their insured liable, and that you are going to make a potential claim against it. Start keeping track of your losses, and maybe go to a free legal clinic and get some advice soon.

Whether you want to proceed with that later, you can assess when you count your damages that you want to claim from them.

Personally, I always try to buy comprehensive insurance for this reason - it makes any potential third party claim much easier. The few hundred more dollars for the insurance is nothing compared to the time, effort and money of making your own claim.

Still, if I were you, I would go ahead and notify the third party insurer of the accident, that you are holding their insured liable, and that you are going to make a potential claim against it. Start keeping track of your losses, and maybe go to a free legal clinic and get some advice soon.

Whether you want to proceed with that later, you can assess when you count your damages that you want to claim from them.

Thanks for the advice bro! A couple of questions:

1. How do I find out who is his insurer? He refused to tell me when I asked him. Any other way I can find out for myself?
2. Can suggest some free legal clinic like you mentioned? Or recommend a good lawyer who can give me a free consultation for a start? Got no idea on this one... o_O

Thanks again!

- M

1. How do I find out who is his insurer? He refused to tell me when I asked him. Any other way I can find out for myself?

Do a search at the LTA or onemotoring using the vehicle number.

2. Can suggest some free legal clinic like you mentioned? Or recommend a good lawyer who can give me a free consultation for a start? Got no idea on this one... o_O

http://www.lawsociety.org.sg/pro_bono/community_legal_clinic.asp

ar, katar rubbed against a car today =( my fault, i was doing lane change when infront vechicles slowed down, couldnt slow down in time so rubbed against the car with my footpeg. was my fault.

could have escaped but didnt not, waved to him and ask me go to the side. my bike no damage at all, his car rear door right side there have a 5 x 2 cm long black stain probably caused by my footpeg rubber and a small round dent probably by my knees.

cause in a rush, he took down my ic number and i missed called him. dont know he got take down my bike number anot. i didnt take down his car number too, first accident, 2nd day riding only, dam kan cheong =( then i ask wanna settle down privately, he said its a rental car then he say the rental company will call me then he go off liao.

so now waiting for him to claim me or pay the rental company if i could afford too. any idea what step should i do next? should i bring my bike to idacs and do a report?

post deleted wrong post

Had an accident with a bike along Clementi Road on 30.06.08. It's his fault as he did not check when turning out in between cars, so i hit him, had some slight injuries(scratches and bruises).

So now, I recieved a letter from AXA today, stating that the owner of the bike who i had an accident with, will claim against me.

Here's what the letter wrote:

ACCIDENT ON 30.06.08 INVOLVING FBC***** & FY***** ALONG CLEMENTI ROAD

We refer to the above matter.

We wish to inform you that we have recieved a claim from the owner of FY***** in respect of
the mentioned accident.

We shall proceed to handle the claim to our best ability in accordance with the terms and
conditions of the insurance policy. Kindly inform us in writing within 10 days from the date of
this letter if you do not wish us to handle this claim under your policy or you do not wish to
seek indemnity under the policy.

Please be informed that your No Claim Discount (NCD) may be affected as a result of the above
mentioned claim.

Da fella who is at fault, is he supposed to claim against my insurance? Wut should I do?

Hi guys, any1 know what does it mean by loss of salary? What constitute to loss of salary? Is it during ur MCs? Will they take into account that u lost a higher salary and found a low salary difference?

Any idea where I can find the list of authorised workshops in Singapore for accidents?

Had an accident with a bike along Clementi Road on 30.06.08. It's his fault as he did not check when turning out in between cars, so i hit him, had some slight injuries(scratches and bruises).

So now, I recieved a letter from AXA today, stating that the owner of the bike who i had an accident with, will claim against me.

Here's what the letter wrote:

ACCIDENT ON 30.06.08 INVOLVING FBC***** & FY***** ALONG CLEMENTI ROAD

We refer to the above matter.

We wish to inform you that we have recieved a claim from the owner of FY***** in respect of
the mentioned accident.

We shall proceed to handle the claim to our best ability in accordance with the terms and
conditions of the insurance policy. Kindly inform us in writing within 10 days from the date of
this letter if you do not wish us to handle this claim under your policy or you do not wish to
seek indemnity under the policy.

Please be informed that your No Claim Discount (NCD) may be affected as a result of the above
mentioned claim.

Da fella who is at fault, is he supposed to claim against my insurance? Wut should I do?

Basic of motor liability insurance:
When someone makes a third party claim against you, forward the material to your insurer immediately and ask your insurer to deal with the case. Don't do anything yourself other than this, and then take the lead from your insurer after that in all matters arising from that claim.

Hi guys, any1 know what does it mean by loss of salary? What constitute to loss of salary? Is it during ur MCs? Will they take into account that u lost a higher salary and found a low salary difference?

There are many different types of damages that can be claimed, which your lawyer should advise you on.

Briefly, it could mean either:
actual loss of past earnings because you could not work and wasn't paid during that period
or
estimated future loss of income because you cannot work or cannot work to the same level as before

Separately, actual past medical expenses and future medical expenses are different matters, not to be confused with loss of earnings.

Depending on your case, you can make a case for either or all of the above.

Any idea where I can find the list of authorised workshops in Singapore for accidents?

From your insurer. Each one has their own list which may differ from other insurers.

Recently i got into a minor accident with a car. My fazer 600 rear box collided with a toyota corolla right side mirror. The damage is very minor as you can see from the pics attached. He say it will cost $1235.45 to fix the damages as his car is new which he just brought on 04 0ct 2008. Does the damage justify his claim?

Recently i got into a minor accident with a car. My fazer 600 rear box collided with a toyota corolla right side mirror. The damage is very minor as you can see from the pics attached. He say it will cost $1235.45 to fix the damages as his car is new which he just brought on 04 0ct 2008. Does the damage justify his claim?

not at all.

if he is gonna take out the mirror for repaint its gonna be really cheap. Thats quite a ridiculous claim no wonder insurance prices are sky rocketing.

Recently i got into a minor accident with a car. My fazer 600 rear box collided with a toyota corolla right side mirror. The damage is very minor as you can see from the pics attached. He say it will cost $1235.45 to fix the damages as his car is new which he just brought on 04 0ct 2008. Does the damage justify his claim?

Just send the claim papers to your insurers' claims department. Let them deal with it.

edited....

hi, was involved in an accident last night along PIE towards tuas. i was knocked in the rear by another kupchai on the middle lane. fortunately i was able to regain control of my bike and avoided a crash, the kupchai wasnt so lucky as it lost control and crashed towards the right lane. i was very shell-shocked at the point of time as it happened suddenly an quickly. according to the statement of another rider who was also involved in the accident. this kupchai collided into his left near his left mirror bringing him down along with him. my bike suffered minor damages, i had minor injuries, really a miracle i think cos i could have become superman. my bike's throtte cable jamed, causing overrev immediately bike is started so it has to be towed by emas along with the other 2 bikes. the kupchai was the most heavily damaged.

in a nutshell, in my perspective as best i can to described the accident, the kupchai collided into me, lost control and ping ponged to the right taking down another motorcyclist. i suspected drink-riding on his part. As it was my 1st accident, i didnt know what to do so i didnt took down the particulars of the parties involved in the accident.

i had made a accident report at a police station. can anyone tell me who is at fault here? cos im damn sure im not at fault. what can i do from here? can i retrieve the parties' particulars thru TP? Help pls. Thanks.

i was just wondering

is there any difference in claiming

for the following scenarios
1: Driver/ Rider is Charge in Court for Inconsiderate Driving 9pts COurt decide the penalty.
2: Driver/ Rider is Compunded by TP for Incosiderate Driving. 9 pts 200$

Let put it the Driver is at fault and the rider is not charged or penalised.

So the rider wish to claim from the driver and so is the pillion

How many percent of the liablities of the driver will it be for both scenarios?
The BOLA will not work in this case because TP made a decision that changes the whole factor.

Will it be 100% claim from Rider to Driver?
Will the Driver insurer take 100% liability?
Can the pillion claim the same claim as the Rider to the Driver?
Will the rider be cold defandant?

Now if the driver is at fault and charged in court.
Can the pillion still claim for damages frm the rider?


Heard news if the Driver/ Rider traffic offfence is compound... the insurer liabilites is only up to 80%
IF the driver/ riders is Charge in court. The insurer liablities will be 100%

i wonder...

i hit a car on his rear bumper and license no. my bike had ZERO damage except for a few scratches due to drop. he claim against my insurance $6132.00 for repair cost.

my insurance company say they will deal with it.

but what the hell.. who can justify this claim? damn.

i hit a car on his rear bumper and license no. my bike had ZERO damage except for a few scratches due to drop. he claim against my insurance $6132.00 for repair cost.

my insurance company say they will deal with it.

but what the hell.. who can justify this claim? damn.

I assume you got take pictures of the car damage? Well the rule is if a vehicle hit you from behind the vehicle will always be the one to foot the claim. Anyway you can engage a lawyer but that will incur more costs on your part as its a cut throat motor industry out there and its just not "cost efficient". If you feel strongly about it then can consult with a lawyer first but that too cost money.

i hit a car on his rear bumper and license no. my bike had ZERO damage except for a few scratches due to drop. he claim against my insurance $6132.00 for repair cost.

my insurance company say they will deal with it.

but what the hell.. who can justify this claim? damn.

had an accident early this month, about the same as yours.
a small indentation n paint scratched at car rear side, claimed S$4k.
breakdown - 2k repair+700 legal fee+390 accessment+800 rental+40 gia fee.

no choice since i told the driver to claim against my insurance.
so just let insurance deal with claimer.

i found out from sg car forum, insurance companies will only pay half of wat they claim.
tat's why their claim r as high as possible.

had an accident early this month, about the same as yours.
a small indentation n paint scratched at car rear side, claimed S$4k.
breakdown - 2k repair+700 legal fee+390 accessment+800 rental+40 gia fee.

no choice since i told the driver to claim against my insurance.
so just let insurance deal with claimer.

i found out from sg car forum, insurance companies will only pay half of wat they claim.
tat's why their claim r as high as possible.

gave me a shock for a few seconds.. i thought i have the pay the other half lol..

what happened to you in that accident.. hows ur rw..

gave me a shock for a few seconds.. i thought i have the pay the other half lol..

what happened to you in that accident.. hows ur rw..
front vehicle jammed his brake, can't evade coz traffic were jam pack.
my bike handlebar end hit his rear side, bike got no damage.
not even handlebar end coz it's solid steel. :cheeky:

front vehicle jammed his brake, can't evade coz traffic were jam pack.
my bike handlebar end hit his rear side, bike got no damage.
not even handlebar end coz it's solid steel. :cheeky:

haha good for u.. i'm not so lucky my bar end dented and handlebar got a little slanted. fractured my hand as well.. kept my bike in carpark for 2 mths now battery cannot charge.. dunno is battery spoil or the coil spoil..

oh well, and our insurance premiums will be higher next yr.. most likely alot more for mine. lol. :faint::faint::faint:

i was just wondering

is there any difference in claiming

for the following scenarios
1: Driver/ Rider is Charge in Court for Inconsiderate Driving 9pts COurt decide the penalty.
2: Driver/ Rider is Compunded by TP for Incosiderate Driving. 9 pts 200$

Let put it the Driver is at fault and the rider is not charged or penalised.

So the rider wish to claim from the driver and so is the pillion

How many percent of the liablities of the driver will it be for both scenarios?
The BOLA will not work in this case because TP made a decision that changes the whole factor.

Will it be 100% claim from Rider to Driver?
Will the Driver insurer take 100% liability?
Can the pillion claim the same claim as the Rider to the Driver?
Will the rider be cold defandant?

Now if the driver is at fault and charged in court.
Can the pillion still claim for damages frm the rider?


Heard news if the Driver/ Rider traffic offfence is compound... the insurer liabilites is only up to 80%
IF the driver/ riders is Charge in court. The insurer liablities will be 100%

i wonder...

You have been fed so much misleading info that they only serve to give you and others the wrong picture. The best answer is to disregard all these things you hear.

Just on one point: The pillion passenger can claim damages from the combination of both vehicles' drivers, because the fault for liability towards passengers is attributable to one of the two or both. It is common to see passengers sue both driver and rider in the same claim, and see where the liability falls.

wah kor , my turn for accident today at hougang. very young girl driver pulled out from a carpark straight into the middle lane of the 3 lane road, i jam brake but was too late, went into her driver door, it was a classic 45 degree angle collision. i fly on the floor. her father passenger or what, came out we started to argue until by luck a witness came and help to sort it out. I wanted to call TP for help . the passenger very kancheong to move their car to the side to avoid evidence. at first i said no i want to call TP but then the witness said if no injury just claim against their insurance. the kind witness malay man gave us his number so i relented. Told me to take some photos of the accident.

So i exhanged some details with the passenger. all the while the young girl driver sat inside never came out. they ciao away very fast , then i went to make a report.

My bike not good , handlebar feel loose , mirror loose, front suspension very soft , steering not steady, left footrest bent, clutch assembly bent, front cowling broke , electric start spoilt, fuel leak from filter. I hope my front rim not bent :pity:

Injury slight back strain & hip pain , swollen knee. but havent take MC yet, besides now currently in between jobs, now is sunday, etc.

wa lau still a bit shaky now even 8 hrs later. any support emotional or otherwise is appreciated Thank you all

Hey bro, slight hip and back pain can be anything, it may only be slight pain now because the swelling hasn't started, best go see a doctor.

Go to the hospital A&E if you need to since it is a Sunday, take an X-ray as well for hair line fractures.
If you are Singaporean the X-Ray and everything is bundled into 1 package of $80.

And although what the malay witness said is true, no injury no need to call TP, but in this case you were injuried! Why didn't you do anything??!? :?????

Hey bro, slight hip and back pain can be anything, it may only be slight pain now because the swelling hasn't started, best go see a doctor.

Go to the hospital A&E if you need to since it is a Sunday, take an X-ray as well for hair line fractures.
If you are Singaporean the X-Ray and everything is bundled into 1 package of $80.

And although what the malay witness said is true, no injury no need to call TP, but in this case you were injuried! Why didn't you do anything??!? :?????

Thanks for your concern, i am much better now, no major injury has developed thank heaven. the reason is cos it hard to determine injury on-the-spot after sudden accident like that. i was feeling shocked from then till the whole night. the strains and bruises only matured the next day which was a sunday but i felt that A&E was not that urgent so i just relax & recover.
I FIGURED OUT THIS TIP , AFTER SUDDEN ACCIDENT WE MUST IMMEDIATELY LOOK BEHIND FOR A CAR ASK THEM TO STOP AS WITNESS. I was so shocked i didnt do so , i was very lucky that malay man who was one of the cars behind stopped further down and came back. Take care all and always watch out for car suddenly cut in front of us. we all once in awhile must practice jam E-brake. Take care

Interesting thought, i completely agree with your perspective

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wah kor , my turn for accident today at hougang. very young girl driver pulled out from a carpark straight into the middle lane of the 3 lane road, i jam brake but was too late, went into her driver door, it was a classic 45 degree angle collision. i fly on the floor. her father passenger or what, came out we started to argue until by luck a witness came and help to sort it out. I wanted to call TP for help . the passenger very kancheong to move their car to the side to avoid evidence. at first i said no i want to call TP but then the witness said if no injury just claim against their insurance. the kind witness malay man gave us his number so i relented. Told me to take some photos of the accident.

So i exhanged some details with the passenger. all the while the young girl driver sat inside never came out. they ciao away very fast , then i went to make a report.

My bike not good , handlebar feel loose , mirror loose, front suspension very soft , steering not steady, left footrest bent, clutch assembly bent, front cowling broke , electric start spoilt, fuel leak from filter. I hope my front rim not bent :pity:

Injury slight back strain & hip pain , swollen knee. but havent take MC yet, besides now currently in between jobs, now is sunday, etc.

wa lau still a bit shaky now even 8 hrs later. any support emotional or otherwise is appreciated Thank you all


imagine e one on e bike is his daughter see he will argue or not
i wrote into papers before regarding these cars...
n they heavily edited my letter
true alot of bikers swerve in n out of traffic but i would say mostly are malaysian n most of e time they did it without posing much inconvenient except endangering their own life

e TPs are all paid for nothing? y is the government obsess with jus drunk drivers n speeding camera when i don c anyone here getting "buang" by them
what are e ratios, e main cause of accidents?
inconsiderate reckless driving~!

we should petition e gov to relook at e whole angle
i got my class 2a before my class 3
even when im driving i keep alook out for bikers
mayb all class3 shld hav lesson wher they get pillion to understand how vulnerable we are

aiya from govt perspective its bikers who are at fault. u go cinema or tv see all their road safety ads. Its always one racer bike doing stupid things then get banged down, the slogan will be something like "ride safe!" not "watch out for the tiny bikes!"

i got into an accident yest. was approaching junction to turn right. as i was approaching light turned amber. so i made the mistake of assuming all drivers would obey road rules and nt try n beat the red light. so cut story short, i moved off, the car banged me frm the front and i became 'superman". landed on my left elbow and dislocated it. best part is as i was screaming in pain on d road d lady passenger of d car came out n scolded me! "U STUPID AH DUNO HW TO CHK AH" i was like F-YOU lady u duno hw to stop at red light ah. nw waiting for thursday to go tp hq to get my statement. the IO called me up oready so do i nd to make any reports? btw my insurance is ony 3rd party frm ntuc

i got into an accident yest. was approaching junction to turn right. as i was approaching light turned amber. so i made the mistake of assuming all drivers would obey road rules and nt try n beat the red light. so cut story short, i moved off, the car banged me frm the front and i became 'superman". landed on my left elbow and dislocated it. best part is as i was screaming in pain on d road d lady passenger of d car came out n scolded me! "U STUPID AH DUNO HW TO CHK AH" i was like F-YOU lady u duno hw to stop at red light ah. nw waiting for thursday to go tp hq to get my statement. the IO called me up oready so do i nd to make any reports? btw my insurance is ony 3rd party frm ntuc

aiya from govt perspective its bikers who are at fault. u go cinema or tv see all their road safety ads. Its always one racer bike doing stupid things then get banged down, the slogan will be something like "ride safe!" not "watch out for the tiny bikes!" [/QUOTE]

i realised its singaporean to "er ren sian gao zhuang" to accuse first without thinking of their action 1st when ever they are "surrounded in a metal box with 4 wheels" i mean they can queue to buy hello kitty how come they cant queue from behind in a 1st lane turn right only but try to squeeze in when ever they c a bike taking only half a lane

can we petition to remove that "movie advert" i think its unfair n discriminating n send out e wrong msg putting our lifes in more danger

anyone know how to?
start e ball rolling man:cheers:

i got into an accident yest. was approaching junction to turn right. as i was approaching light turned amber. so i made the mistake of assuming all drivers would obey road rules and nt try n beat the red light. so cut story short, i moved off, the car banged me frm the front and i became 'superman". landed on my left elbow and dislocated it. best part is as i was screaming in pain on d road d lady passenger of d car came out n scolded me! "U STUPID AH DUNO HW TO CHK AH" i was like F-YOU lady u duno hw to stop at red light ah. nw waiting for thursday to go tp hq to get my statement. the IO called me up oready so do i nd to make any reports? btw my insurance is ony 3rd party frm ntuc

I have seen many lady drivers reckless driving. I myself kena ram by lady driver. If you are confident you are in the right, ask if the junction got camera. That will solve yr case. You should be totally in the right if u moved off from the turning box at the moment the light turned red. Gd luck

hello guys..
i got involved in a car accident last yr.. chain accident involving 4 vehicles. my car the 3rd one... TP already sent letter the 4th guy admit mistake n kena summon n fine.
now the 1st driver sent me a whole stack of his claims thru lawyer...
so wat i do now?
i go insurance company or wat? i only scared my insurance will be affected....
btw insurance company do wat? den lawyer do wat?
not sure.... :dot:

wah kor , my turn for accident today at hougang. very young girl driver pulled out from a carpark straight into the middle lane of the 3 lane road, i jam brake but was too late, went into her driver door, it was a classic 45 degree angle collision. i fly on the floor. her father passenger or what, came out we started to argue until by luck a witness came and help to sort it out. I wanted to call TP for help . the passenger very kancheong to move their car to the side to avoid evidence. at first i said no i want to call TP but then the witness said if no injury just claim against their insurance. the kind witness malay man gave us his number so i relented. Told me to take some photos of the accident.

So i exhanged some details with the passenger. all the while the young girl driver sat inside never came out. they ciao away very fast , then i went to make a report.

My bike not good , handlebar feel loose , mirror loose, front suspension very soft , steering not steady, left footrest bent, clutch assembly bent, front cowling broke , electric start spoilt, fuel leak from filter. I hope my front rim not bent :pity:

Injury slight back strain & hip pain , swollen knee. but havent take MC yet, besides now currently in between jobs, now is sunday, etc.

wa lau still a bit shaky now even 8 hrs later. any support emotional or otherwise is appreciated Thank you all

got sit ambulance? if yes = police case & if police case, den person gonna get big time for 1) destroying of evidence. 2) fail to render help.

the above if you did call & sit an ambulance.


hello guys..
i got involved in a car accident last yr.. chain accident involving 4 vehicles. my car the 3rd one... TP already sent letter the 4th guy admit mistake n kena summon n fine.
now the 1st driver sent me a whole stack of his claims thru lawyer...
so wat i do now?
i go insurance company or wat? i only scared my insurance will be affected....
btw insurance company do wat? den lawyer do wat?
not sure.... :dot:

call lawyer & they will advise you from there. they are getting paid from your case so let the moolah do the work...


i got into an accident yest. was approaching junction to turn right. as i was approaching light turned amber. so i made the mistake of assuming all drivers would obey road rules and nt try n beat the red light. so cut story short, i moved off, the car banged me frm the front and i became 'superman". landed on my left elbow and dislocated it. best part is as i was screaming in pain on d road d lady passenger of d car came out n scolded me! "U STUPID AH DUNO HW TO CHK AH" i was like F-YOU lady u duno hw to stop at red light ah. nw waiting for thursday to go tp hq to get my statement. the IO called me up oready so do i nd to make any reports? btw my insurance is ony 3rd party frm ntuc

1st - yesterday after work i was traveling STRAIGHT on lane 2 & this FEMALE driver on the 1st lane suddenly lane change into lane 2 without 1) fail to signal intention 2) fail to check blind spot cos i was 45 degrees behind her!!! so i slowed to her window & ask, " your signal light spoil ah?". bugger just act blur

2nd incident - was pumping petrol at woodlands ave 12 esso. after pumping i walked back & saw a pick up beside my bike BLOCKING MY EXIT. i knock on window & ask the person to reverse so that i could exit but he purposely did the opposite & went forward. bloody hell furious.

those are just a few incidents that i encountered but what my main thinking is,

1) i do not feel any laws protecting us against road bullies regardless of bike or cars
2) its time to invest in a tank mount cam.

prior to these, i did called the authorities on road bullies. i stop by the road side with the car at the back & called the police. 3 incidents all nearly taking away my last breath but no feedback till now. i am disappointed. police dun act unless the damage is done & afraid by the time damage is done, many of us are already lying on the ground.

call lawyer & they will advise you from there. they are getting paid from your case so let the moolah do the work...



need advise ahh.... my another accident case, the other party accepted the summon n fine already...
den now i go do wat? go bike shop/lawyer to ask for claims or go insurance?
my insurance also kena top up extra $500 when i renewed few months back...
:confused:

hie guys..
need a bit of help or advice here
sry im noob jus pass p plate
2 month ago at cte/sle i had a near accident wif this car hu had side swipe my bike n hit my left fairing
luckily i manage to control the bike which already from fast lane wobble till
the next lane..i escaped without any injuries
so had made a police report n sent to idac..
after that my bike condition very terok..
paintwerk got sratches n fairing dented like hell
the interior duno wad sound come out liao..
and so i went to jb to check n had made repairs n to get a whole set of faring
total cost me ard 1600 ringget
so now wad happens...
i wanna make claims but not from my own insurance as i heard
if i do that my premium will be even more the next time round
so now wat do i do?
wait for sum1 to call me or wad???
oh ya my insurance 3th party only from ntuc

pls off topic here, i really nid help. My demerit points is 0 points laio. meaning cannot minus anymore or will gantong..

I wish to knw, parking on curb. what is the charge n summon like, got demerit pts? ty

pls off topic here, i really nid help. My demerit points is 0 points laio. meaning cannot minus anymore or will gantong..

I wish to knw, parking on curb. what is the charge n summon like, got demerit pts? ty

pls post on the right thread.n your phantom v nice

hi guys,
need your opinion...
i got into an accident with another bike abt couple months back along Guillemard Road. It was a 3 lanes road and I was travelling in the 2nd lane. The rider was coming out from a carpark slip road and into the 3rd lane. As I'm approaching a main T junction and heading straight (Green light was showing) at normal speed, suddenly the rider (1) cut into my lane without signalling and (2) didn't even check his blindspot and becoz of that 2 errors, I had to JAM braked my bike and unfortunately my bike had hit his bike side rear and both riders fell down. No major injuries for both riders as we are able to move our bikes and exchange info.

Both had no witnesses to the accident and now that rider is filing 3rd party claim from me. Ppl telling me that I might lost this case as I had hit his bike rear. I felt this is unfair as his reckless and negligent riding put other life in danger.
Is there any other way that I can do or help me to fight for my claim on his negligent riding? Appreciate any advise. Thanks!

any advise??

hi guys,
need your opinion...
i got into an accident with another bike abt couple months back along Guillemard Road. It was a 3 lanes road and I was travelling in the 2nd lane. The rider was coming out from a carpark slip road and into the 3rd lane. As I'm approaching a main T junction and heading straight (Green light was showing) at normal speed, suddenly the rider (1) cut into my lane without signalling and (2) didn't even check his blindspot and becoz of that 2 errors, I had to JAM braked my bike and unfortunately my bike had hit his bike side rear and both riders fell down. No major injuries for both riders as we are able to move our bikes and exchange info.

Both had no witnesses to the accident and now that rider is filing 3rd party claim from me. Ppl telling me that I might lost this case as I had hit his bike rear. I felt this is unfair as his reckless and negligent riding put other life in danger.
Is there any other way that I can do or help me to fight for my claim on his negligent riding? Appreciate any advise. Thanks!

You must also file claim against him , let the companys investigate. check the traffic junction if they had cam maybe you were near enought to be seen. Others hit you because you cut their lane never check blindspot, its own fault, by rights he should not file against you but the other way round instead. good luck

thanks fishlipps!

hi guys...i was wondering...i had been involved in an accident in which a car banged into me while riding..this caused a few damages and parts have been replaced...however...for my exhaust pipe...i was given another aftermarket legalised pipe...

but rite now..the question is...who is to pay for the inspection of the pipe..??is the cost stuck with me or is it suppose to be claimed by the insurance..??coz according to my bikeshop,i will have to pay for it....but according to my logic...i got hit and how come such tings are nt claimable..??is the bike shop trying to earn more or smth like tat..??

thanks... :)

hi,

my fren was involved in a minor accident just now. he is at fault from what i know. what happen was, he kiss the back of the car. damage was some scratches on the car bumper. no personal injuries whatsoever. he told me that car owner decide not to pursue the matter cos nothing much.

he call me at the scene and i told him better to play safe. write everything down black and white. but i think what he write like too brief. only date,time,driver's name and nric and car plate no. his is also included. den he wrote something like parties involved will settle matter privately with no cost involved. and signature from both parties. thats all.

is it too simple? cos i compare with the sample private settlement form from ntuc, they included points like both parties will not make police report, Neither party shall be liable to compensate the other party for any loss or damages (direct or indirect) incurred or to be incurred as a result of the accident etc etc.

my question is, is my friend on the safe side? and the "private settlement form" was written on the back of the receipt. cos settle on the spot. can be used for reporting at idac right? or can dun report?

what must be done next beside reporting idac? cos i nv involved in accident before. dun know much. only know abit from reading forum.

help will be appreciated. thanks!