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Thread: Making A Motor Claim

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    At NTUC Income, we understand that it can be stressful being involved in a motor accident. We want to ensure that your claim proceeds smoothly so you can get back your car promptly and in good condition.

    What do I do if I am involved in an accident?

    Stay cool and don't panic.

    Collect the details of the other parties involved in the accident and those of any available witnesses.

    The essential details are:


    The registration numbers (number plates) of all other vehicles involved
    The names and addresses of the other driver(s)/owner(s) and any witnesses
    The names of insurance companies for the other driver(s)

    Avoid discussing liability with others involved in the accident, or their lawyers. Refer all communications from them to your insurance company.

    If an accident involves injury, do not shift the car, call the police immediately. You must also make a police report within 24 hours of an accident involving

    1. Damage to a government vehicle or property
    2. A foreign vehicle
    3. A pedestrain or cyclist
    4. A hit-and-run party

    How To Make An Own Damage Claim for Repair of Your Vehicle?


    1. 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.
    2. Please call INCOME's 24 hour hotline: 6788 6616 for location of the nearest Idac.
    3. If towing service is needed, you can call Idac's 24-hour hotline at 1800 887 5151 for towing at no charge to you.
    4. At the Idac, you will be required to file an accident report and submit a claim to your insurance company.
    5. Idac will assess the damage to your car and we will authorise repair within two working days.
    6. Your car will be repaired at a workshop selected by Income in accordance with the policy conditions.
    7. Policyholders who are clearly not at fault and the third party is not insured with NTUC Income, can lodge a claim against the third party.
    8. However if both parties are insured with NTUC Income, we would urge both parties to claim under own policy. The party who is not at fault will not be penalised with NCD reduction.

    Note: The location of Idac is available on the reverse side of your Certificate of Insurance.

    Important Note:
    We will exercise our right under Condition 8 to terminate the policy if the policyholder fails to comply with the the above without a valid reason.


    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 or IDAC, you will enjoy either of the following benefits :

    1. Upon availability, a courtesy car for the duration of the repair to a maximum of 14 days or
    2. 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.

    Note : The above benefits are applicable to insured under Quality Plus coverage.

    No Claim Discount

    1. 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.
    2. For every ‘claim free’ year, the discount will be increased by 10% to a maximum of 50% over five years.
    3. Our policyholder's 'No Claim Discount" will not be reduced if the policyholder's liability is 20% or less; when involved in a collision with a traceable vehicle or person.
    4. 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.

    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 a 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.
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    [size=18][u]Non-Injury Motor Accident Report Scheme

    Policyholders are reminded that under the Non-Injury Motor Accident Report Scheme, they are required to lodge motor accident reports with their insurance companies. They need not lodge non-injury accident reports with the police. This scheme aims to expedite the processing of claims and facilitate the retrieval of accident reports at lower cost.


    For injury accidents* or non-injury accidents involving a government vehicle/damage to government property, a foreign vehicle**, a pedestrian or cyclist, or non-injury "hit-and-run" cases, drivers are required to lodge police reports in addition to the motor accident reports which they will still have to lodge with their insurance companies.


    For general motor enquiries, please call our 6788-6616.

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

    * An injury accident is defined as one in which at least one party involved in an accident was conveyed to hospital from the accident scene; or if conveyance to hospital was done through other transport, the party is subsequently hospitalised, or given outpatient medical leave of 3 days or more; or where no one was conveyed to the hospital from the scene, latent injury had subsequently developed which entailed hospitalisation, or outpatient medical leave of 3 days or more.

    ** Foreign vehicles are defined as all vehicles registered in another country, all vehicles owned by visiting forces present in Singapore, all vehicles with USN or USG prefixes, and as general rule, all vehicles insured by an insurance company not registered to transact general insurance business in Singapore."
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  3. #3
    shan
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    hi,
    I was involved in a road accident in May 04. I knocked into the left rear of a Toyota Mark II. I was at about 10-20kmph and the driver at 30kmph. Road conditions was dry, traffic was heavy.
    Both of us reported to Idac. Subsequently, at the end of July 04, I received a writ from the law firm that the driver had engaged. The letter was also forwarded to my bike insurer (mitsui sumitomo). The costs were breakdown as follows:
    1)cost of repair :1243.10
    2)loss of use(3 days):300.00
    3)survey report fees:140.00
    4)GIA/LTA search:42.15
    5)Cost contribution at this stage:800.00
    6)disbursement at this stage:50
    total: 2575.25

    questions:
    a) will the insurer pay for all the charges or just the repair cost?
    b) in the event that the insurer is unable to pay for all the cost, am i liable to pay the rest of the charges (ie number 2 to 6)?
    c) is the amount a bit too ridiculous(law fees i supposed),plus my RXZ was not 'hurt' at all except for some scratches. I myself had some bleeding fingers.
    d) is it a must or common practice for claimants to engage solicitors to deal with these accidents?

    thank you for your advices and whichever direction suggested will be very much look upon, as this is really turning my hair white.

    Thank you
    regards
    /LPShan

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    Originally posted by shan@Aug 1 2004, 09:43 PM
    hi,
    I was involved in a road accident in May 04. I knocked into the left rear of a Toyota Mark II. I was at about 10-20kmph and the driver at 30kmph. Road conditions was dry, traffic was heavy.
    Both of us reported to Idac. Subsequently, at the end of July 04, I received a writ from the law firm that the driver had engaged. The letter was also forwarded to my bike insurer (mitsui sumitomo). The costs were breakdown as follows:
    1)cost of repair :1243.10
    2)loss of use(3 days):300.00
    3)survey report fees:140.00
    4)GIA/LTA search:42.15
    5)Cost contribution at this stage:800.00
    6)disbursement at this stage:50
    total: 2575.25

    questions:
    a) will the insurer pay for all the charges or just the repair cost?
    insurer will settle all the claims.
    b) in the event that the insurer is unable to pay for all the cost, am i liable to pay the rest of the charges (ie number 2 to 6)?
    no. what the insurer has paid is final.
    c) is the amount a bit too ridiculous(law fees i supposed),plus my RXZ was not 'hurt' at all except for some scratches. I myself had some bleeding fingers.
    if you feel that they are inflating the claim, inform your insurer about it.
    d) is it a must or common practice for claimants to engage solicitors to deal with these accidents?
    common practice as sometime the claimant and the insured are with the same insurer, solicitors may not be required
    thank you for your advices and whichever direction suggested will be very much look upon, as this is really turning my hair white.

    Thank you
    regards
    /LPShan
    answer are in blue
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  5. #5
    shan
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    Originally posted by 2_wheeler@Aug 11 2004, 06:21 PM
    answer are in blue
    THANK YOU!!!

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    Hi here, I was involved in an T-junction accident, after the police report, I realised that the other party (taxi) was investigated as inconsiderate driving, while I am being investigated as 'dangerous driving'. I refer to the handbook and learnt that offenders for dangerous driver may be prosecuted in court! Now I wish to know is there a possibility that I will be fined more than 1K ? can anyone tell me ard how much fine to expect?

    My motor dealer tell me that my case is 50-50 and can be fighted, so if the consequences is too huge for me to handle, I shall engage a lawyer since its FOC...else I shall treat it as my unlucky day that period.
    The only way not to fall asleep is to ride faster and faster.

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    Originally posted by MIG-29@Aug 13 2004, 01:10 PM
    Hi here, I was involved in an T-junction accident, after the police report, I realised that the other party (taxi) was investigated as inconsiderate driving, while I am being investigated as 'dangerous driving'. I refer to the handbook and learnt that offenders for dangerous driver may be prosecuted in court! Now I wish to know is there a possibility that I will be fined more than 1K ? can anyone tell me ard how much fine to expect?

    My motor dealer tell me that my case is 50-50 and can be fighted, so if the consequences is too huge for me to handle, I shall engage a lawyer since its FOC...else I shall treat it as my unlucky day that period.
    Lawyer is FOC???

    if the lawyer win the case for you, the other party will have to pay your lawyer (this is FOC for you) but, if your lawyer loss the case? guess who is going to pay your lawyer?

    a 50-50 case means that the chances of winning the case is 50% and even if your lawyer win the case, your lawyer can only help to claim up to 50% of the bills (you are still 50% at fault.

    for this type of case usually the motor dealer will ask you to pay the full bills 1st before helping you to claim.
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    yap, I have to pay for the repairs first cos heard that some cases may take up to 6 months to settle. I already make it clear to my motorshop that I am not gonna pay for any legal fees watsoever. So if lose then blame on the inability of that lawyer, correct?

    What I need most to know is if really I am at fault then how much I ld have to pay ?
    The only way not to fall asleep is to ride faster and faster.

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    Originally posted by MIG-29@Aug 13 2004, 11:29 PM
    yap, I have to pay for the repairs first cos heard that some cases may take up to 6 months to settle. I already make it clear to my motorshop that I am not gonna pay for any legal fees watsoever. So if lose then blame on the inability of that lawyer, correct?

    What I need most to know is if really I am at fault then how much I ld have to pay ?
    the claim can take much longer then that.....

    if you lost the case, your insurer will settle your claim (the other party will try to claim from your insurer) meaning that the lawyer will still claim the cost from your insurer also. therefore, FOC.
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    what if agianst repair shop like yamaha?

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    Originally posted by Wildboar@Sep 7 2004, 09:30 PM
    what if agianst repair shop like yamaha?
    pls elaborate.
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    Hi need ur advice..my frd was involve in an accident..last march.at a X junction.He gg str..lady driver turnin rite...

    till now..TP havn't give him the results...but lawyers etc..all been called.Bike in shop till now..but ready 2 collect thou...but bike shop dun allow him 2 collect till they receive the insurance coy payment...can they do it??or can my frd insist on collectin the bike 1st..

    oso shld he chase the TP investigator 4 the results?


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    Originally posted by tarzan666@Oct 12 2004, 09:23 AM
    Hi need ur advice..my frd was involve in an accident..last march.at a X junction.He gg str..lady driver turnin rite...

    till now..TP havn't give him the results...but lawyers etc..all been called.Bike in shop till now..but ready 2 collect thou...but bike shop dun allow him 2 collect till they receive the insurance coy payment...can they do it??or can my frd insist on collectin the bike 1st..

    oso shld he chase the TP investigator 4 the results?

    maybe the insurance company feel that your friend (or rather the bikeshop) is making unrealistic claim or they feel that their insured is not 100% at fault.

    the bikeshop will sure need their payment either through your friend or insurance company. since bikeshop still unable to get the money from the insurance company, you'll have to pay 1st (if bikeshop feel that they are unable to claim from insurance company) and when the claim is successful, you friend will get the money.

    your friend may check with TP if he wish to know the results.
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    hi i got some questions hope u can answer them.
    i got my first accident lat sunday at orchard road. a 'p' plate bike beat a red light n hit mine @ e right- rear resulting us both flew off n send to SGH @ A&E.
    yesterday(mon) i jus went to hospital for follow up on my wounds, police station for my belongings, n accident report n statment, e inspector told me tat they got a witness saw e thing happened n mostly his licence will be revoked. e police also told me if i wan to do claims other than repairs n medical will had to get e lawyer.
    after tat i went to my bike shop. give them e docs to tow my bike to e authorised workshop(as mine is under AXA n his is under NTUC) ,then i went down to AXA building to report e claim against him also.
    Question:
    1. i hear tat apart fro claiming repairs n medical fees i can also claim for "pain n suffering"? how do i do this?? who shall i speak to? fees?
    2. how long will e repairing n claims take to completed?? i heard may take months..
    3. wat will be e state e workshop will restore my bike to?
    i have taken good care of it. i worry tat it will have " shadow' of e accident still when i got it back..

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    I have involved in an accident last week, suffering some bruises and cut on both my hands and chest and my legs, my bike suffered some scratch and my handlebar, clutch and gear level either broken or bend. After reading some of the msg I'm worried it will take long. The party involved isn't a local and the vehicle was a rented one. Hope it can be resolved a.s.a.p I want my bike back!!!

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    mine too.. now still processing.. think will take a month.. haiz.

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    Originally posted by 2_wheeler@Oct 13 2004, 11:34 PM
    maybe the insurance company feel that your friend (or rather the bikeshop) is making unrealistic claim or they feel that their insured is not 100% at fault.

    the bikeshop will sure need their payment either through your friend or insurance company. since bikeshop still unable to get the money from the insurance company, you'll have to pay 1st (if bikeshop feel that they are unable to claim from insurance company) and when the claim is successful, you friend will get the money.

    your friend may check with TP if he wish to know the results.
    wat if e repair cost is over a few thousands? n i no money to pay first...
    let e insurance company settle first then can have e bike huh?
    will it be months liao??

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    Originally posted by merz65@Nov 28 2004, 11:09 AM
    wat if e repair cost is over a few thousands? n i no money to pay first...
    let e insurance company settle first then can have e bike huh?
    will it be months liao??
    letting the insurance company settle fist mean you are claiming from your insurance company...... that also mean you need to have Comprehensive cover (1st party) insurance in order to do that.
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    normally how long is ntuc needed to approve e shop tat is claiming to start e repair?? think i'm waiting to near 2 weeks liao.. wats e nos to call NTUC to check on how my case's been going on?? look for who?? e shop tell me to pay for e repair first while later ntuc pays back,cos claiming will take a long time... i dun think its safe for e to pay first, anyway e amount is too big.. n i saw e prices of e items they quote all very high.. its been nearly a month.. my bike still intact lying there.. me so heartbroken, with all e raining wat if others parts start to rust??

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    Hi 2-Wheeler, got 1 question to ask you. I just met a accident with a car. The other party is going to claim my insurance.

    Here ismy question,

    1. If the other party is claiming the amount of $3000 for the repair, will my insurance premium for my bike will increase up to $1000 ++. Currently i am on third party fire and theft.
    Once A Rider, Always A Bikers

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    Does anyone know the amount that is claimable for injuries sustained? things such as broken arm, toes etc....and issit true that even injuries such as abrasions and scars are claimable?? thanx


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    Originally posted by Arcfire@Dec 9 2004, 03:02 AM
    Does anyone know the amount that is claimable for injuries sustained? things such as broken arm, toes etc....and issit true that even injuries such as abrasions and scars are claimable?? thanx
    Depends on a lot of factors: what injuries are sustained, what body-part is involved, what are the long-term medical implications, what you are earning and your career prospects, multipliers like your age... etc.... There is a broad spectrum of factors that will be considered, though you can probably get a general idea by flipping through the standard guideline for personal injury quantums, which you may find in a library somewhere.

    And yes, abrasions, scarring, pain and suffering are claimable, though obviously not as much as broken bones, missing limbs etc.

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    Originally posted by Arcfire@Dec 9 2004, 03:02 AM
    Does anyone know the amount that is claimable for injuries sustained? things such as broken arm, toes etc....and issit true that even injuries such as abrasions and scars are claimable?? thanx
    my lawyer said abrasions alone can get 1-2k liao..

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    Originally posted by Alex_lim_08@Dec 8 2004, 06:53 AM
    Hi 2-Wheeler, got 1 question to ask you. I just met a accident with a car. The other party is going to claim my insurance.

    Here ismy question,

    1. If the other party is claiming the amount of $3000 for the repair, will my insurance premium for my bike will increase up to $1000 ++. Currently i am on third party fire and theft.
    there are a few factor to look at....

    1. age
    2. licence
    3. bike
    4. claim

    there are people paying more than $2000 for insurance and there are those paying less than $150.
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    Originally posted by Arcfire@Dec 9 2004, 03:02 AM
    Does anyone know the amount that is claimable for injuries sustained? things such as broken arm, toes etc....and issit true that even injuries such as abrasions and scars are claimable?? thanx
    if it is 3rd party claim, the amount could be unlimited.....
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    Originally posted by 2_wheeler@Dec 15 2004, 01:11 AM
    if it is 3rd party claim, the amount could be unlimited.....
    so normally e claim for injury is higher than e claim for repair of bike??

    like injury can claim over few Ks, while repair onli a couple of Ks?

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    Originally posted by merz65@Dec 15 2004, 07:51 AM
    so normally e claim for injury is higher than e claim for repair of bike??

    like injury can claim over few Ks, while repair onli a couple of Ks?
    all claims are case-by-case basses.
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    had an accident this morning...was on a 2-way lane (main rd) juz b4 i wanna make a right turn into a small lane, i turn my right signal on, halfway during my turning there was tis car without checking make a sudden right turn out from the small lane n 'bang' he knocked me down n thus damaging my exhaust pipe n someother parts...after both party exchanged particulars he told me not to make police report or claims his insurance n ask me to go any bikeshops to change those damaged parts. Since those parts were original the quote from bikeshop was ard $400+, aft hearing the quote he quickly ask me to claims his insurance cos he say tt his car was also damaged.

    end-up spending nearly whole day to make all necessary statements:

    1. Bikeshop for damaged quote
    2. Doctor (3 days MC)
    3. Insurance claims statement
    4. Police report
    5. Authorise workshop for inspection

    i'll leave it to my bikeshop to do the rest of the claims.

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    Originally posted by rastyblade@Dec 27 2004, 08:55 PM
    had an accident this morning...was on a 2-way lane (main rd) juz b4 i wanna make a right turn into a small lane, i turn my right signal on, halfway during my turning there was tis car without checking make a sudden right turn out from the small lane n 'bang' he knocked me down n thus damaging my exhaust pipe n someother parts...after both party exchanged particulars he told me not to make police report or claims his insurance n ask me to go any bikeshops to change those damaged parts. Since those parts were original the quote from bikeshop was ard $400+, aft hearing the quote he quickly ask me to claims his insurance cos he say tt his car was also damaged.

    end-up spending nearly whole day to make all necessary statements:

    1. Bikeshop for damaged quote
    2. Doctor (3 days MC)
    3. Insurance claims statement
    4. Police report
    5. Authorise workshop for inspection

    i'll leave it to my bikeshop to do the rest of the claims.
    since u re claiming third party, do u need to pay for e repairing cost first??

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    Originally posted by merz65@Jan 8 2005, 11:15 PM
    since u re claiming third party, do u need to pay for e repairing cost first??
    all parts changed at the shop & i did not pay anything cos the shop will do all the necessary claims.

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    how long does it take from the day accident till u can get ur bike back ?


     

     
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    Just wanna find out.
    Do insurances company allow claims if:
    Ownself skidded & damaged in tracks E.g. Sepang? (Comprehensive Insurance)
    A rider make you skidded or bang into you, while in track? (Claim that rider's insurance)
    Biking.
    It's nearly better than sex!

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    Originally posted by GT Fazer@Apr 11 2005, 03:19 AM
    Just wanna find out.
    Do insurances company allow claims if:
    Ownself skidded & damaged in tracks E.g. Sepang? (Comprehensive Insurance)
    A rider make you skidded or bang into you, while in track? (Claim that rider's insurance)
    Most insurance policies don't cover for track / motor-racing, it's specifically stated on your cover-note / policy terms & conditions that it only covers normal use & / or transport in course of business etc. Don't think there's any insurer that gives you specific track-coverage, and even if they did, your premiums would be exorbitant.

  34. #34
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    e.g i skid and scratched a car... being a subrider...
    the car owner is making a claim against me.... the insurance is settling the claims for that auntie...
    but for the bike n my injuries cant be claim right?? 3rd party fire n theft...
    Suck it n ride!


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    Originally posted by craz_03@Jun 15 2005, 10:44 PM
    e.g i skid and scratched a car... being a subrider...
    the car owner is making a claim against me.... the insurance is settling the claims for that auntie...
    but for the bike n my injuries cant be claim right?? 3rd party fire n theft...
    yes, you are right.
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    my case still not settled.. dunno y so long.. think Norman is in charge of my case...

  37. #37
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    hi,
    i had a accident last night.. taxi making illegal U-turn and i went into it.. wat shd i do if i haven get the info of the other party cos i was sent to hospital right after it occured...

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    go police station take ur statement, they should had contact u oredi at e hospital.. think they should have e taxi's driver details.. jus need e nos plate etc think they will give u..

  39. #39
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    taxi... got to beware of them
    Class 2B: 11 May 2001 | Class 2A: 06 Oct 2009 | Class 2: 21 Dec 2010
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    My bike met an accident in JB wif a Malaysian Proton Wira car. The bike was riden by the sub-rider not myself. Just received a letter frm NTUC, the car is claiming $4500 against me. My question is I find this amt exhorbitant. I assumed the amt indicated in the letter is in Sing $ whc to convert into RM $ is as gd as RM$10,000. According to the sub rider, the car was not as badly damaged. As the accident was head-on, only the front portion of the car was damaged & it does not justify the amount they're claiming.

    Now I'm worried for my next renewal for my 1000cc bike as there'll be no more NCD for me. On top of that, I've been informed on the letter that I've to pay loading amount for my next insurance renewal if there's a claim above $3000. Any advices frm u guys on what should I do to reduce the claim amount so that it will not be hard on me on my next renewal????? I'm prepared to loose the NCD but not to pay the loading amount whc will definitely cost me $1k-$2k.
    "Only a Biker knows why a dog sticks his head out of a car window."

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    Originally posted by shan@Aug 1 2004, 09:55 PM
    hi,
    I was involved in a road accident in May 04. I knocked into the left rear of a Toyota Mark II. I was at about 10-20kmph and the driver at 30kmph. Road conditions was dry, traffic was heavy.
    Both of us reported to Idac. Subsequently, at the end of July 04, I received a writ from the law firm that the driver had engaged. The letter was also forwarded to my bike insurer (mitsui sumitomo). The costs were breakdown as follows:
    1)cost of repair :1243.10
    2)loss of use(3 days):300.00
    3)survey report fees:140.00
    4)GIA/LTA search:42.15
    5)Cost contribution at this stage:800.00
    6)disbursement at this stage:50
    total: 2575.25

    questions:
    a) will the insurer pay for all the charges or just the repair cost?
    b) in the event that the insurer is unable to pay for all the cost, am i liable to pay the rest of the charges (ie number 2 to 6)?
    c) is the amount a bit too ridiculous(law fees i supposed),plus my RXZ was not 'hurt' at all except for some scratches. I myself had some bleeding fingers.
    d) is it a must or common practice for claimants to engage solicitors to deal with these accidents?

    thank you for your advices and whichever direction suggested will be very much look upon, as this is really turning my hair white.

    Thank you
    regards
    /LPShan
    Lol.. its difficult for me to comprehend the info. How can you get involved in this accident if the vehicle in front of you is travelling faster than you????

    Toyota mark II - 30kmph.
    your speed 10-20kmph.

    I just dont get it.

     

     
  42. #42
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    Y'all, I was involved in an accident with a drunkard on Friday night, close to midnight.

    I was travelling along Balestier road, towards Lavender road. As you all know, it's a 3 lane road, and I was abiding by the traffic speed limit of 50km/hr.

    About 3 car lengths away from me, was a Comfort taxi who kep accelerating, then deccelerating, as it always is, at night. So, as I was scared that he might just jam brake if a passenger was there, I filtered to the 1st lane to overtake him. I've been following the rules so far, as long as my short riding life has had.

    So, anyway, after I filtered lane, I noticed this Indian man in dark clothings dashing across the road. Immediately, I horned him, and applied my brakes. The indian man stopped in between the dotted lines of the 1st and 2nd lanes. I mean, seriously speaking, if a bloody vehicle horns you, it's to warn you that it's there. right? It's not as though my headlights weren't on or anything.

    BUT THEN!!!

    Just as I was about to by-pass this man, less than 1 car length away, he suddenly dashed out in front of me. 1 stride was all it took from him, to get us all into deep sh*t.

    The impact wasn't that strong, as he didn't fly or anything, but that's because of my low speed. My pillion and I suffered cuts and abrasions on all limbs (it's a darn sway thing that I had to wash my jeans and jacket hours before). The collision knocked the wind out of the pedestrian.

    I was the first to get up, and immediately checked on my pillion to make sure that she was ok. Next, I checked on the pedestrian, to check if he was ok. He was unconscious, and he REEKED of alcohol. Damnit man, you should have taken the pedestrian crossing, it was less than 50m away damnit!

    So, as soon as a crowd was formed, I got someone to call for an ambulance, and I called for the police. (though I know calling one would have been enough). As it was unlucky enough, there were CID officers conducting an investigation close by, and so they intervened. There were 6 SWAT officers as well, patrolling Balestier road, and they were there. Shortly after, the ambulance came, as well as 2 TPs. After stretchering the jaywalker off, the paramedics checked with us if he needed to go to the hospital. Then, they were mentioning that these drunkards are always like that, saying that it was the 2nd drunkard case that night itself.

    Now, I was cheesed off, as I am still.

    Firstly, I abided by the rules at all times, with the school's teachings still lodged in my brain. I never take the 1st lane, unless I need to overtake, or filter to turn right. I really try not to squeeze, even though it's a traffic jam, resulting in lots of horning from vehicles behind who think that I am taking up space. I didn't change lanes in the junction, I changed it after. I even checked to see if there were any cars behind, before signalling to change lanes. I saw that he was there, and I horned him. It was supposed to be fine thereafter.

    The result?

    Went to Ubi, and had to file a report. The IO was dulfully showing pity to me, but he said that rules were rules, and that I had to be charged with dangerous driving, which is utter nonsense! But anyway, I respect his decision, as it is not an easy one to make.

    The next morning, I went together with my pillion to the polyclinic to get ourselves dressed up by the nurses, then we had to go to IDAC, and my motordiam. Tmr, I have to head over to the lawyer's side to get them to claim that sorry ass.

    No, I don't really want to claim against him, as I am 70% sure that he will just declare himself bankrupt, and I can jolly well just go fly kite.

    But then again, who gives a sh*t if he is declared a bankrupt. I just want to clear my name. Hey, 24 points for dangerous driving is a heck of an offence, even more so as I only have 12 points.

    However, I am pretty confident that the IO will be able to charge the pedestrian instead of me, going by the investigations. Heck, I've even got witnesses.

    The procedures following the accident is worse than the accident itself.

    I'm cheesed off!
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    Hi bros, I had a minor accident a week ago and wanted to make a claim fro the other party. The case is currently being investigated by TP. However, my shop just informed me that their insured driver is not at fault, as such they won't pay me anything. I was thinking, of course the driver won't admit its his fault and the insurance company did not even ask me anything about the accident.

    So now I'm lost. What's the next step? Do I have to engage a lawyer? or it's no use at all. Any of you guys have experienced this before?
    . . . . . . . . . . . . . .. . . . . . . . . . . . . .

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    Guys i need help.

    On new year's eve i went out on my bike and after 12 ( new year's day), my friends and i decided to go for supper. Around 2.30am we reached hougang central for a stop to withdraw money and use the toilet.
    In the carpark, there was no visible bike parking lots, so i parked on a double yellow line. In front of me was a poultry delivery truck, i know that the truck may reverse anytime if i leave my bike unattended, so i left a gap about 10 metres away from the truck.

    I stepped 2 metres away from my bike and proceeded to talk to my friend, not noticing the truck was already reversing. Then i heard a loud crack and then a bang. The truck had reversed into my bike, causing the front smashed and the bike to fall on the side, even the side stand broke.

    The truck driver was cooperative, he gave me his particulars and stuff. He said he would pay for the repairs in cash. My bike had be towed away because the alignment was out and the sidestand was in the way. It's been brought HKL for repair and the total repair free is $800. Oh btw my bike is nsr150,alot of things were damaged, in fact smashed.

    Now then i have the quote, i told the driver about the price. He disagreed and is only willing to pay $500 at most. It's not that he doesn't believe the damage was that much, but he does not have that much money. I disagreed on the sum to be returned and so he's going to leave the case to his boss.

    The boss will call me tomorrow. I have alot of questions that i'm worried about, because i'm 80% sure that the boss will either cut the price or claim via insurance.
    If....

    A) he claims from insurance, what are the processes that i'll have to do?
    B) the insurance company investigate and find out that both of the vehicles were on the double yellow line, would the claim be void?

    I was not far from the bike, can i say to the insurance company that i got off my bike to take a rest, and that i didn't notice the double yellow line, and there was no bike parking lots at the scene of accident?

    Can anyone tell me any way to make the driver or company pay for the repair fully? Other than violence of course. Any verbal strategy or traffic rules that i can use against the other party?

    I know I was partially at fault because i parked at a double yellow line, but the truck reversed to the back without even looking behind.

    I look forward to your replies, thanks! Please help if you can, i'm a noob! Thanks!!
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    my case was already 1yr plus ago liao, but even now e TP haven't send me any report of my accident.. so much on their Efficiency...

  46. #46
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    just got into accident last nite.. was riding on the right lane of a dual carriage way when a driver signalled by never check blindspot lane changed and knocked into me..

    i flew over the car while my bike also did a perfect somersult (enough to win an olympic gold) before crashing to its doom.. my bike front fairing all shattered, front brake lever break, racing footrest dented, both sides of the fairing got scratch, most prob wheel alignment off and etc..

    was later sent to hospital by the driver for checkup.. am i able to claim against the driver?
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    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!

  48. #48
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    Hi, all,


    Just wanna have some relevent Info on the amount claimed by previous riders....

    Anyone has info to share on the amount claimed and the cause and damage?

    I recently had a claim done and wanted to have more related info to refer too...

    Pls share?

    Accident Reported @ 17/12/05 9.15pm AMK ave 10

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    Hi guys, can i seek your help as i was involved in an accident ytrday. At a T-junc, i as going straight and a trailer turn right from the minor road to the major road i was on, I got a slight hit at the rear end of the bike but enough to send me crashing to e kerb. I called e police and ambulance. I rmbed his car plate, but in my frantic, aft i got discharge from hospital i cant recall the no! At e scene e uncle admitted all was his fault, he keep assuring me, but aft tt i was sent to hospital. the TP took down his details though. I am kancheong now cos I scared the uncle will deny later since I don’t know whether the TP took down his statement immediately. And I got a witness ( the car behind who came to help me). At the hospital a police came to ask me to arrange a date to go down to Ubi HQ. but the form says i have to bring licence insurance and police report. 1) does tt mean i have to go and make a report again? cos i tot the traffic police at e scene saw everything. Aft reading this thread, i called my insurance company, but they said they will not be involved if i want to claim e trailer uncle insurance, said i have to get a lawyer and make e claim. I had stitches on my leg and 1week mc, other than tt no major injuries thank god. 2) so do i have to go and find a lawyer now? or should i wait until i go down to the Ubi to give my statement. and lastly the TP at e scene said he will take care of my bike... and i have no idea whats happening to it now, but i wished to have it repair asap cos i am a NSF staying in east with camp at west, and transport is rather inconvenient. Sorry for having such a long essay, but am really abit lost now. Thanks for any advices fro me kind souls!

  50. #50
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    hi everyone.. i juz wanna ask if i recently juz met an accident.. my motortiam doing all the claims for me.. after my repair are done.. cos the motortiam say they repair for mi first den claim the repait cost from opposite party insurance.. so can i sell my bike? or hav to wait all the claims which i think may take a long time.. cos i abt to upgrade den met wit this stupid accident which delay my process of upgrading.. pls help mi..


    ..i lovin' it..

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