Motor Shop &%#*(*&

[Guest eddison]

I met an accident few weeks ago unti now my NSR 150 is still at workshop located at S**** W** .

 

They told me in order to repair my bike before claiming the other party insurance i must place a $2000 deposit if not leave it at the workshop unti the insurance company to approve WTH is this?? wait for the company to approve is okay but i can't ride the bike place it at bike shop kept paying the installment ?

 

As you know NTUC insurance always took a very long time to settle this kinda claiming cases they need to go on to further investigation and so on bla bla bla i called up the officer and enquiry with them about my case they told me that i need to wait for them to approve it might take a very long times Weeks or Months but what if they don't approve stll need to wait for the pending how long then wlll i be able to claim the other party insurance to fix my bike? And how am i going to takeout a 2K ?

 

Some bike shop will do for you immediately but S**** W** neitherless immediately ! Refuse for doing it ..more over it is just a NSR SP does it really need to come out with so huge sums of money ?? 2K up abit more can get a 400cc bike but 2k to fix a NSR it's really sound unreasonable

 

Things to Change

 

some minor stuff break cluth whol set of fairing engine and some other minor barang only

 

Every month need to carry on the installment paying for a piece of metal that cannot ride wth..

 

 

guys please do give me some advice on it .... =(

[RedGixxer688]

Bro, your situation is just like you having to go outstation and unable to ride your bike. So does this mean you dun have to pay the installment? This is not "pay as you ride" scheme.

 

Not sure about SP but if the damages involves engine, 2K is the ballpark figure. I dun agree however on the 2K deposit.

[Guest eddison]

bro thanks for replying but i still need to continue paying the installment and i don't think the shop will allow me for not paying the install as the bike is at their shop.. im damn confuse now.. i needed the bike for urgently for work as i am gong to apply a post as a despatch rider... 2k is really a ballpark sum like what you had mention... thats really craZy for 2k...

[jiaju]

hi bro,

 

is it a must that you must repair your bike at that workshop? You are the rightful owner, no doubt you are still paying installments but if you never default your payment, just go get a tow truck and bring your bike elsewhere.

 

unless there is any clauses that states that you must die die repair your bike at the xxxx shop you mentioned. hope that helps..

[Kutrax]

2k a bit high ..

they hold ur bike later u decide not to proceed u need to pay storage fee.

good luck fren.

 

1 thing i notice is that if the repair cost not much try not claim better get cash.

u claim other party also ncd lost..dunno y la. it happen to me.

[Guest eddison]

thanks for replying my thread no is not a that must be die die die service at their shop i was thinking about tow my bike to jb serive at x-performance i think is better but if claim cash directly from the owner then i think gotta drop-case from the insruance is it better then ? and indeed 2 k is way too high... i dont intend to claim the other party POWER POWER because that guy didnt do it intentionly but S**** W** hyper insist of doing this.. damn regret towing back to that shop

[Prankster]

Well, I suggest if u meant wat u said that u dun intend to clain the guy "power power", just call and ask if the guy wants to settle privately anot loh.

 

If he is fine to settle privately,

 

Den just ask him to pay u the sum of money which will able u to repair ur bike till able to ride without any major probs than enuff liao loh.

 

Make sure u get ur cash before u drop the charges.

[Guest Quincy]

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Edited March 8, 2009 by Quincy

[Guest Quincy]

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Edited March 8, 2009 by Quincy

[Guest eddison]

i have made a police report and a 3 days but as for the injury claim for hospital is a small sum of money. They didnt mention to me that there is these thing call storage fees.. really thanks for the information i'll try to settle it privately but as for the bie shop will b another problem for me. thanks for all this information it is really a great help for me

[Guest eddison]

But i got to get the quotation from the bike shop .. have to show the onwner see if he is agree with the price. If is then i'll drop the police case and settle it privately but then fork out a 2k is really out of my range. I am still studying working part-time job .. is really out of the range for me...

[Nicholai]

  eddison said:

But i got to get the quotation from the bike shop .. have to show the onwner see if he is agree with the price. If is then i'll drop the police case and settle it privately but then fork out a 2k is really out of my range. I am still studying working part-time job .. is really out of the range for me...

 

Get the quotation before you make any confirmation with the workshop. Show the other party the quotation for private settlement and if he agrees you can use the amount paid by the other party to pay for the repairs. That way you don't need to deposit to the workshop. Of course, do get the private settlement in black and white for security and, if possible, within a day so that you won't have to bear the storage fees imposed to you by the shop, otherwise, do include the fees when making your claim (get a receipt).

 

If the other party disagrees on private settlement then my advice is to tow your ride to the next reliable workshop you know where they won't ask you for any deposit.

[Manzz]

  eddison said:

I met an accident few weeks ago unti now my NSR 150 is still at workshop located at S**** W** .

 

They told me in order to repair my bike before claiming the other party insurance i must place a $2000 deposit if not leave it at the workshop unti the insurance company to approve WTH is this?? wait for the company to approve is okay but i can't ride the bike place it at bike shop kept paying the installment ?

 

As you know NTUC insurance always took a very long time to settle this kinda claiming cases they need to go on to further investigation and so on bla bla bla i called up the officer and enquiry with them about my case they told me that i need to wait for them to approve it might take a very long times Weeks or Months but what if they don't approve stll need to wait for the pending how long then wlll i be able to claim the other party insurance to fix my bike? And how am i going to takeout a 2K ?

 

Some bike shop will do for you immediately but S**** W** neitherless immediately ! Refuse for doing it ..more over it is just a NSR SP does it really need to come out with so huge sums of money ?? 2K up abit more can get a 400cc bike but 2k to fix a NSR it's really sound unreasonable

 

Things to Change

 

some minor stuff break cluth whol set of fairing engine and some other minor barang only

 

Every month need to carry on the installment paying for a piece of metal that cannot ride wth..

 

 

guys please do give me some advice on it .... =(

 

Hmm.. after reading ur post, this is what I can gather.

 

The bikeshop asks for a deposit of 2k that is if you want to repair the bike first while pending claims verdict(in advantage of urself so that can claim from the other party's insurance).

 

I believe the reason for the deposit is because just in case the claim doesn't fall in your favour, then the workshop will makan from ur deposit for the costs incurred to fix ur bike.

 

Therefore the 2k deposit is only in force if you choose the option of repairing first before filing a claim from the other party's insurer.

 

Otherwise you have to put your bike at the workshop so that the loss adjusters can inspect the extent of the damages and for the workshop to wait for insurer's approval to repair the bike at the insurer's cost.

 

As for the continuation of the instalment, of course you have to keep on paying as it is a contract where you agreed to pay $XXX to the shop for the hire purchase of the bike. There is no sense in not paying as ultimately you have to fulfil the bike's total price in the end right?

 

I believe a claim has already been filed and you did not choose the option of the repair now, 2k upfront and await for approval. Therefore your bike is still at the workshop pending the claim outcome.

 

My advise is:

 

1) Call the claims officer.

- ask him what is the turn around time(TAT) for a vehicles claim to be processed (every claims process would require a TAT to show their competence against rival insurers)

- He will say that the TAT for every case depends on the severity and the extent of damages involved

- then ask him when was your claim filed.

- Ask him politely you can wait but provided he must give you a date when he thinks this claim can be settled in his professional point of view.

- after he has given you the date, politely say that you appreciate his help and you will not call him again till the date that he promised you that all will be settled.

- before ending the call, politely ask him for the name of his supervisor, explaining just in case if u need to escalate the matter

 

2) Inform workshop

- inform your workshop that you've already called the insurer and they told you that by this date the claim will be approved - just for their info.

 

The above will help the processing better and will also let the claims officer know that you are seriously looking into this.

Then you can't do much in the meantime and yes you are still bound by the hire purchase agreement to pay for your monthly instalment.

 

On the other hand, you can opt to repair the bike now by forking out your own $$ first(dollar for dollar cost incurred and not 2k deposit). Then you can ride the bike whilst pending the claim's outcome. This way, you will not feel as though you are paying your instalment for nuts.

 

If the shop will not let you do so, then u can tow your bike to another shop that can do that. Ultimately, once the claim is approved, the insurer will reimburse the bike shop that does the repairs to your bike so no worries abt changing workshops.

 

PS: Many bikeshops do not allow repairs to be done first as they want to claim more than what is technically necessary from the insurer once the claim is approved. This way, they will gain from the payout. Its a matter of "whatever they claim may not be the same items they put on your bike".

[Guest newbie]

u must continue to pay lah. its at alexandra ah

[Guest eddison]

  Manzz said:

Hmm.. after reading ur post, this is what I can gather.

 

The bikeshop asks for a deposit of 2k that is if you want to repair the bike first while pending claims verdict(in advantage of urself so that can claim from the other party's insurance).

 

I believe the reason for the deposit is because just in case the claim doesn't fall in your favour, then the workshop will makan from ur deposit for the costs incurred to fix ur bike.

 

Therefore the 2k deposit is only in force if you choose the option of repairing first before filing a claim from the other party's insurer.

 

Otherwise you have to put your bike at the workshop so that the loss adjusters can inspect the extent of the damages and for the workshop to wait for insurer's approval to repair the bike at the insurer's cost.

 

As for the continuation of the instalment, of course you have to keep on paying as it is a contract where you agreed to pay $XXX to the shop for the hire purchase of the bike. There is no sense in not paying as ultimately you have to fulfil the bike's total price in the end right?

 

I believe a claim has already been filed and you did not choose the option of the repair now, 2k upfront and await for approval. Therefore your bike is still at the workshop pending the claim outcome.

 

My advise is:

 

1) Call the claims officer.

- ask him what is the turn around time(TAT) for a vehicles claim to be processed (every claims process would require a TAT to show their competence against rival insurers)

- He will say that the TAT for every case depends on the severity and the extent of damages involved

- then ask him when was your claim filed.

- Ask him politely you can wait but provided he must give you a date when he thinks this claim can be settled in his professional point of view.

- after he has given you the date, politely say that you appreciate his help and you will not call him again till the date that he promised you that all will be settled.

- before ending the call, politely ask him for the name of his supervisor, explaining just in case if u need to escalate the matter

 

2) Inform workshop

- inform your workshop that you've already called the insurer and they told you that by this date the claim will be approved - just for their info.

 

The above will help the processing better and will also let the claims officer know that you are seriously looking into this.

Then you can't do much in the meantime and yes you are still bound by the hire purchase agreement to pay for your monthly instalment.

 

On the other hand, you can opt to repair the bike now by forking out your own $$ first(dollar for dollar cost incurred and not 2k deposit). Then you can ride the bike whilst pending the claim's outcome. This way, you will not feel as though you are paying your instalment for nuts.

 

If the shop will not let you do so, then u can tow your bike to another shop that can do that. Ultimately, once the claim is approved, the insurer will reimburse the bike shop that does the repairs to your bike so no worries abt changing workshops.

 

PS: Many bikeshops do not allow repairs to be done first as they want to claim more than what is technically necessary from the insurer once the claim is approved. This way, they will gain from the payout. Its a matter of "whatever they claim may not be the same items they put on your bike".

 

 

 

Bro thanks for making an effort with all this information is more then enough that what i needed. I went down to my shop to discuss about my situation because the saleman there who attend me didn't clarified much about it all i do know is i am required to place a 2k deposit to service my bike. The worst things is i recieved a piece of bad news from NTUC insurance agent it said that this Suzuki Swift driver actually twist the statement. Instead of doing a U-Turn he was going straight! But in fact he did a U-Turn and knock me down i mean can't he be more gentlemen ? What if that particular moment i couldn't make it through the crash ? Is he gonna regret for the rest of his life ? liaring to himself that he wasnt the cause of the whole incident? He gotta be honest with himself seriously.. Now because of this wolf the insurance claim will take a more longer time to process..

[Wildboar]

u got witness or camera?

[StaN]

  eddison said:

Bro thanks for making an effort with all this information is more then enough that what i needed. I went down to my shop to discuss about my situation because the saleman there who attend me didn't clarified much about it all i do know is i am required to place a 2k deposit to service my bike. The worst things is i recieved a piece of bad news from NTUC insurance agent it said that this Suzuki Swift driver actually twist the statement. Instead of doing a U-Turn he was going straight! But in fact he did a U-Turn and knock me down i mean can't he be more gentlemen ? What if that particular moment i couldn't make it through the crash ? Is he gonna regret for the rest of his life ? liaring to himself that he wasnt the cause of the whole incident? He gotta be honest with himself seriously.. Now because of this wolf the insurance claim will take a more longer time to process..

 

accident on the spot must take pix. phone cam also can. this is for evidence in cases like your's.

[hanxx]

well..just to share with you that i had an accident last year.

claims were so draggy that until today..which is approx one year already.

the status for my claim is still pending.no news at all whenever i called to ask.

but i guess i was slightly luckier than you that my shop willing to do everything nicenice for me to ride on road first even before claims are confirmed.

well.goodluck to u bro!

[mnair]

Leaving the claims to the workshop to handle will always be very draggy. You must get a lawyer to fight your case, but only if you are the victim or if you have a good case. If the fault is yours or 50/50 then there is not much you can do. If the accident was caused by others and you are not at fault - getting a good injury/accident lawyer will save you time and money. If it drags on like this you may want to get an opinion of the lawyer - some lawyers offer free consultation. Won't cost you anything to find out your chances.