Making A Motor Claim

[koshownsyou]

thanks for that info!

[danielling1981]

Beside loss of income. U should of coz c doctor. And make sure full detailed check. Any small minor thing hair loss, itchy, small skin peel, scratch here or there, pee pain, knee, ankle watever pain.

 

Anyway u get e pic. Do a proper check and insist on checking any minor thing tat u feel. Even if it is very very tiny feeling get e doc check and claim.

 

This type of driver f up. Claim max. U shouldnt even ve considered private settle. Thankfully e driver dun wan pay. But i understand e emotion during tat moment beco my fren kanna before exact same thing as u except not taxi.

 

Remember c doc!! Can c 2nd 3rd time as long as u give all e reason i related to incident.

[ocel]

Was involve in a accident n till nw bike nt yet release frm tp base. Call up the i.surance they say wait.for bike release. Shop also stated the same. Bt aint we.suppose report 24 hr after accident?. I did made a police report n case under inveatigation. So should i just go to the i.surance office n get more clarification? N get a lawyer while since i hav a witness.

[koshownsyou]

Beside loss of income. U should of coz c doctor. And make sure full detailed check. Any small minor thing hair loss, itchy, small skin peel, scratch here or there, pee pain, knee, ankle watever pain.

 

Anyway u get e pic. Do a proper check and insist on checking any minor thing tat u feel. Even if it is very very tiny feeling get e doc check and claim.

 

This type of driver f up. Claim max. U shouldnt even ve considered private settle. Thankfully e driver dun wan pay. But i understand e emotion during tat moment beco my fren kanna before exact same thing as u except not taxi.

 

Remember c doc!! Can c 2nd 3rd time as long as u give all e reason i related to incident.

 

Just got a call from the bikeshop, apparently the driver made some contradicting statement and the surveyor does not want to come to survey the damages -_-.

 

Luckily i got a witness that is very helpful.

 

- Loss of income due to Medical Leave issued by Changi General Hospital on 21st and 22nd June 2012.

-Loss of use of vehicle from _____________ to ____________.

-Transportation cost arising from loss of use of vehicle from ____________to___________.

 

Anymore i should claim?

[danielling1981]

Medical fees from current checkup and anything future.

Any injuries or watever thing tat may cause u to not be able to perform at ur optimum lvl arising in reduce income or pay raise

[koshownsyou]

Medical fees from current checkup and anything future.

Any injuries or watever thing tat may cause u to not be able to perform at ur optimum lvl arising in reduce income or pay raise

 

Thanks!

 

The bike shop told me the insurance surveyor doesnt want to come down.

 

Are'nt they breaching the rules here?

 

And IDAC did not ask for any photos from the accident.

[danielling1981]

Thanks!

 

The bike shop told me the insurance surveyor doesnt want to come down.

 

Are'nt they breaching the rules here?

 

And IDAC did not ask for any photos from the accident.

 

Not too sure but this type of thing very sensitive. Best if u put in more effort keep calling ur insurance and track closely wat is happening. Dun just assuming things r fine.

 

I think got rider before kanna a lorry driver spin story become bike fault an became court case rather than simple claim.

[koshownsyou]

I thought this has nothing to do with my insurance cause im claiming that guy?

[danielling1981]

If I'm not wrong, ur insurance will pay then claim from e other guys insurance. If I'm wrong then i should rephrase and u should call HIS insurance company every hr to chase.

 

Just thinking abit wildly. But e insurance can later say e claim void becoz e inspection not done in 24 hr? Not sure if possible.

 

Insurance claim is a very complex claim. U should also call ur own insurance for clearer advice. If u very sure ur case can win, should also consider engaging lawyer to help fight and chase. Then all e lawyer fees will charge to e claim. Already wat 3 days?

 

Edit: read e older post and saw u got a assigned lawyer. Then pester e lawyer instead. Their time is paid for. Dun be scared to call and make them work.

[koshownsyou]

If I'm not wrong, ur insurance will pay then claim from e other guys insurance. If I'm wrong then i should rephrase and u should call HIS insurance company every hr to chase.

 

Just thinking abit wildly. But e insurance can later say e claim void becoz e inspection not done in 24 hr? Not sure if possible.

 

Insurance claim is a very complex claim. U should also call ur own insurance for clearer advice. If u very sure ur case can win, should also consider engaging lawyer to help fight and chase. Then all e lawyer fees will charge to e claim. Already wat 3 days?

 

Edit: read e older post and saw u got a assigned lawyer. Then pester e lawyer instead. Their time is paid for. Dun be scared to call and make them work.

 

Inspection was done within 24 hours, and thanks for your replies

 

Will submit the handwritten statement of the witness to the bikeshop tomorrow!

[XxPJYxX]

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Toyota Vios, grey car, hit me and the impact sent me hitting the Hyundai in front... Backache, chest pain, swollen left thigh and arms aching from the impact which sandwiched me between the two cars... Took ambulance to NUH and given 4days MC... Follow up on 5th July at polyclinic... He offered to settle privately... But I was thinking ,"my Arlen Ness jacket scratched on the road, $850. My yoshi titanium fire specs legally modded bent beyond recognition, $850(pipe) & $250(legal mod). My full face helmet scratched on the road, together with my Bluetooth headset few hundred dollars. My number plate bent. My rear hugger break. My head fairing crack/scratch/trade paint with front car. My brake lever bent 90 degrees. My signal light break. My side fairings crack. My pillion seat tore. My tail fairing crack. My Oakley sunglasses scratched I dunno how. And FYI, this is only the visible damages. I can't tell about the rear rim alignment or the front rim or the rear suspension or the front forks... U got money to settle all this? 10k full cash private settlement including my injury? I think I better claim your insurance to play safe." so I took the ambulance to NUH... will update u guys again... And just to let u guys know, this incident happened at 10:30am along choa Chu Kang road on the 30th June 2012...

[danielling1981]

Ya better claim insurance. Car excess usually 5k. He must be thinking will be below tat amt tat y suggest private settle. Medical alone can easily above 5k.

 

Pls insist on full body check up including mri, brain scan, etc. Theres a lot to check for full full FULL detail body check.

[samsontok]

http://img.tapatalk.com/dcff0188-2bf6-638a.jpghttp://img.tapatalk.com/dcff0191-2c16-b5f1.jpghttp://img.tapatalk.com/dcff0191-2c2a-735b.jpghttp://img.tapatalk.com/dcff017d-2c3a-fdc0.jpg

Toyota Vios, grey car, hit me and the impact sent me hitting the Hyundai in front... Backache, chest pain, swollen left thigh and arms aching from the impact which sandwiched me between the two cars... Took ambulance to NUH and given 4days MC... Follow up on 5th July at polyclinic... He offered to settle privately... But I was thinking ,"my Arlen Ness jacket scratched on the road, $850. My yoshi titanium fire specs legally modded bent beyond recognition, $850(pipe) & $250(legal mod). My full face helmet scratched on the road, together with my Bluetooth headset few hundred dollars. My number plate bent. My rear hugger break. My head fairing crack/scratch/trade paint with front car. My brake lever bent 90 degrees. My signal light break. My side fairings crack. My pillion seat tore. My tail fairing crack. My Oakley sunglasses scratched I dunno how. And FYI, this is only the visible damages. I can't tell about the rear rim alignment or the front rim or the rear suspension or the front forks... U got money to settle all this? 10k full cash private settlement including my injury? I think I better claim your insurance to play safe." so I took the ambulance to NUH... will update u guys again... And just to let u guys know, this incident happened at 10:30am along choa Chu Kang road on the 30th June 2012...

 

Once ambulance called, it consider police case. Insurance will only pay whatever factory fitted on your bike, you can forget about your add on.

 

Just my 02 cents.

[XxPJYxX]

Once ambulance called, it consider police case. Insurance will only pay whatever factory fitted on your bike, you can forget about your add on.

 

Just my 02 cents.

 

Oh don't worry... My bike is 20 years old... I can assure u that parts are either very hard to find or very expensive... and I don't mind getting another stock end can to sell... and if what u said is true, den why bother paying money to LTA to get the pipe certification for your bike if insurance gonna pay for factory pipe if your aftermarket pipe gets damaged in an accident which is completely not your fault?

[XxPJYxX]

And my paintwork was just done... Now my tank is dented and my paintwork cracked... Can I get a new tank? No... Why? I dunno... Or how about my headers? It's bent completely out of shape... Can I get a new header? And my radiator I just changed recently, now it's leaking coolant, can I change a new one? And my fork is bent, can I change a new factory one? Or my rims? Or my chain and sprocket? Huh? I can assure u that its at least 10k there on my bike alone... Factory or non factory... Lmao... 👍👍👍and I have to change the engine part which connects the header to the engine, because the impact was so big that the part there was completely dislodged from all the ports... Lmao... I think he's gonna sell his car after I claim against him... Lmao...

[samsontok]

Oh don't worry... My bike is 20 years old... I can assure u that parts are either very hard to find or very expensive... and I don't mind getting another stock end can to sell... and if what u said is true, den why bother paying money to LTA to get the pipe certification for your bike if insurance gonna pay for factory pipe if your aftermarket pipe gets damaged in an accident which is completely not your fault?

 

True, if the claim is more than the bike value the insurance company will pay market value of the bike.

[danielling1981]

Basically u can claim anything and everything base on stock parts value evaluated at current market value. U may be surprise how low e price will be for ur 20 year bike. It is how e fup insurance works. We end consumer will lose.

 

In ur case, u wont be getting a rand new bike nor parts. Becoz ur bike rvf? 20 ur? Value maybe around few k only.

 

Anything tat is after market will sux it up. Eg: u brand a 1st bike value 22k. U install after market exhaust worth 4k. If u sell to another owner can pray get 26k. But if claim insurance will claim BELOW 20k.

 

So u just hope to cut loss rather than make profit. Especially in e area of medical and health. Make sure proper checks. Ur bike, if repair cost more than value = claim value only. Basically whichever is lower.

[XxPJYxX]

Basically u can claim anything and everything base on stock parts value evaluated at current market value. U may be surprise how low e price will be for ur 20 year bike. It is how e fup insurance works. We end consumer will lose.

 

In ur case, u wont be getting a rand new bike nor parts. Becoz ur bike rvf? 20 ur? Value maybe around few k only.

 

Anything tat is after market will sux it up. Eg: u brand a 1st bike value 22k. U install after market exhaust worth 4k. If u sell to another owner can pray get 26k. But if claim insurance will claim BELOW 20k.

 

So u just hope to cut loss rather than make profit. Especially in e area of medical and health. Make sure proper checks. Ur bike, if repair cost more than value = claim value only. Basically whichever is lower.

 

How to know the market value of my bike? Cbr400rr... Coe end next year April...

[XxPJYxX]

Possible to settle privately after TP came to scene?

[danielling1981]

Rough estimate is ur scrap value++

 

not sure if after to come can settle private. But claim ins should still be higher than private. Dun think pple will offer riders good price. And risk of default also.

[XxPJYxX]

Rough estimate is ur scrap value++

 

not sure if after to come can settle private. But claim ins should still be higher than private. Dun think pple will offer riders good price. And risk of default also.

 

Lol... Scrap value how to check???

[danielling1981]

go onemotoring.com and look for e e services and enquire about scrap value. I think its also known as PAR value.

[samsontok]

Motorbike no PARF, insurance company will market lower than current bikeshop selling price. Wish you all the best.

[whitepomfret]

I am an In'l student in Malaysia. I still dunno, Y d F*** did I buy a S'pore bike?

It was on 2010 april 23rd, I got my '03 r1 4m a Malay private seller for about 25k

But he refused 2 give me d insurance papers.I clearly remember, insurance was valid till AUG 2010. finally my worst night mare became true,On june 12th 2010( when worldcup football kicked off) sme ******** nicked my bike, breaching all the security 4m my apartment.Since U all knw, how foreigners are treated in Msia,especially those who can't speak bahasa Malayu, Police had blew up my case into ashes! They r damn confident tat I will neva get back my BIKE . Nw my net option was to claim insurance...

when I called d previous owner, he straight fold lied to me tat, he misplaced insurance papers! Now WHAT SHALL I DO?

I am HELPLESS...I need Justice!

 

 

Karlz99,

 

You should read the legalities before buying any big think like a vehicle. At the transfer, you would have had to furnish insurance certificate at LTA. If you didn't do so, then you're on your own. probably the purchase might not even be legal for all you know. No bikes "come with insurance" when you buy from an individual (private seller). Bike shops settle everything for the buyer and insurance papers are given on the spot before the new owner of the pre-loved bike rides it away.

 

Read these on OneMotoring.

 

Take this as an pricey lesson in life's journey. If you learn from it, I hope that it'll save you from an even more expensive one in the future.

 

Take care.

[crazydj]

Guys,

 

If you claim against someone, then if the other party don't want to reply and give and offer an i am summoned to court with my lawyer, what will happen in court? How does this process work? Anyone with experience with claiming from someone and the matter was brought up to court share their experience?