What's the best thing to do?

[alhidirsyah]

Hi guys. Need advise. Last year i met with an accident with a driver who didn't checked his blindspot. I was partly to blame cuz i was squeezing in between the lanes. His side mirror was shattered and got a few scratches. I was ok and so too was my bike. Made an accident report by filling in the form (can't remember what it's called) and sent it over to the insurance company. A few months later my insurance company called up saying the other party wanted to claim about 2k++ for the damages. And mentioned that they didn't receive my accident report. So they say they will send me another form for me to fill up. But I didn't receive any to date. And suddenly, the lawyers from the other party sent me claims amounting to almost 3k. Now my insurance is under a different company. The accident was a year ago. So what should i do now? confused and worried.

[Luster]

3K for side mirror ? wow. that must be 1 hell of a side mirror that can c jb or even KL yet cannot c u squeezing.

 

did u sign any papers ? dont sign any papers yet.

possible tell ur parents abt it and meet that bugger.

[Marcheline]

Too many loopholes in the motor insurance regulations. Perhaps they wanted it to be so.. Many people tend to benefit.

 

If you sent the form over, get them to recheck. Was any receipt given when they received the form? The driver probaby took the opportunity to change his mirror and respray his entire car at the same time and bill it to your insurance company.

[redname]

huh? this kind of minor cases jus settle on the spot lah, y need to go legal way?

[kraikk]

The problem for TS is, the other party went legal way. Got a lawyer to make all sorts of claims for him. That is why if you do private settlement try to write it down and sign. Sometimes you pay money already they still go insurance to claim and say there was no settlement.

 

In this case, go to your insurer (the one that was insuring you at the time of accident) and tell them not to pay out. From the papers one can imagine a lot of insurers are paying out without consulting their customers, but in any case the correct way is to tell your insurer not to pay out and to challenge the claim.

[alhidirsyah]

ok thks guys. so i dun need to worry much cuz most prolly my previous insurance company can settle rite? i just worry if they would come after me for the settlement instead. What if my previous insurance didn't want to take responsibility as they would say they never received my accident report? Is that possible?

[GuiNNeSS]

ok thks guys. so i dun need to worry much cuz most prolly my previous insurance company can settle rite? i just worry if they would come after me for the settlement instead. What if my previous insurance didn't want to take responsibility as they would say they never received my accident report? Is that possible?

 

Yes, that is possible.

 

Contact your previous insurance company again and tell them, that if they cannot confirmed they received the report. You can go down again and filled it up again for them asap.

 

Bring those legal letters that was sent to you and filed it with them for them to take actions. Keep copies!

[swiftee]

3k is daylight robbery. I got into an accident like yours and the damage was only a few hundred dollars.

 

if insurance settle for you... your premium might go up though... be prepared for that... imo should have just agree to private settle on the spot before the other driver has time to think of stupid things to do like call lawyer...

 

(oops... noticed that TS mentioned that he has changed ins companies... just wondering... will ts current insurance premium increase because of incident under previous company?)

Edited May 19, 2009 by swiftee

[Gal_SGRider]

I used to work with IDAC previously.. and i do remember that we will usually give u a copy of the report to keep if u had done the report with IDAC.. watever it is its best to go down one more trip to ur previous insurance company and tell them of ur problem.. tell them that it is not entirely ur fault and tell them not to payout til they had made the proper investigations. give them as much details as u can regarding the accident and if u had a copy of ur report that u had made previously even if its a police report oso can.. give them a copy.. always keep a copy for urself.. and let them do the rest.. the insurance company should have a lawyer themselves and they will usually keep u updated through mail.. best to give them ur contact number so they can contact u when necessary as well..

 

hope this helps..

[GuiNNeSS]

 

(oops... noticed that TS mentioned that he has changed ins companies... just wondering... will ts current insurance premium increase because of incident under previous company?)

 

Current premiums. No.

 

New premiums. Yes.