Making A Motor Claim

[merz65]

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?

[2_wheeler]

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.

[rastyblade]

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.

[merz65]

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??

[rastyblade]

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.

[toto29]

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

[GT Fazer]

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)

[tingchiyen]

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.

[craz_03]

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...

[2_wheeler]

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.

[merz65]

my case still not settled.. dunno y so long.. think Norman is in charge of my case...

[Chubb]

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...

[merz65]

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..

[Dafanshu]

taxi... got to beware of them

[Asap]

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.

[batliwala]

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.

[sashie]

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!

[VteCFreaK]

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?

[ChEnZ]

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!!

[merz65]

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...

[petzl]

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?

[spec07]

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!

[sky_80]

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?

 

[woodelf]

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!

[etky85]

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..