Accident

[revhappy]

Hey guys,

 

Just had an accident while I was coming back from home from lunch.

At a traffic light I was going straight and it was turning from green to amber, so I decided to cross the light, then suddenly from the opposite side I see a car taking a right turn. I was too fast and although I braked, I hit his rear left side and his car got some bad scratches. My bike is fine and I managed control the bike and stay upright without falling.

 

Both the driver and me exchanged contact details and IC numbers, but I forgot to take his license plate number.

Both of us dont have any witnesses.

 

Please advice what to do next?

 

Thanks,

Revhappy

[sICkbOi-dOt-cOm]

Lodge to ur insurance company and draw a sketch.. No witness very difficult.. Call that fella up and ask how does he wants to settle..

 

Sent from my Dell Streak using Tapatalk

[revhappy]

Lodge to ur insurance company and draw a sketch.. No witness very difficult.. Call that fella up and ask how does he wants to settle..

 

Sent from my Dell Streak using Tapatalk

 

Thanks bro. I will inform insurance company and also go to IDAC tomorrow morning.

I asked him how to settle and he said he will call his insurance and check with them.

My question is what is the worst case scenario for me? Will my insurance company have to pay for his damages or will my insurance company refuse to pay and then I have to pay?

[sICkbOi-dOt-cOm]

If he says like that, am sure he is gonna file a report and claim againts your insurance. Maybe those more experienced can share whats the next step.. For me always have my lawyer to settle for me..

 

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[revhappy]

If he says like that, am sure he is gonna file a report and claim againts your insurance. Maybe those more experienced can share whats the next step.. For me always have my lawyer to settle for me..

 

Sent from my Dell Streak using Tapatalk

 

Thanks bro. Appreciate your quick reply.

[kinwei]

The only worst case senario is, the other party claimed from your insurance and you lose your NCD. Your insurance company will know the other number plate once they receieved the claim from them.

 

Actually your case still can fight. Cause from what I see, you have a higher upperhand here.

 

First of all the case can be your fault or the other party depending on how you interpret it. Cause "BY RIGHT" you should have slowed down before reaching a traffic junction. And he should have waited until the road is cleared and this is the crucial point. If by what you mentioned, it sounds like he had already decided to turn during the green->amber light despited seeing you approaching. If he had waited till the green arrow lighted up, you wouldn't have come in contact with him. Don't forget the green arrow takes a while to light up.

 

And there is no witness to prove who is in the wrong. Remember if there is no witness, rules from the basic theory comes in place. The one turning will have to give way to the one going straight. You can say in your report that it is still green light in your favour and the other party didn't give way. I will suspect the other party will say you beat the red light to have the case in his favour.

 

So it up to you. Normally for me, if it is clear cut my fault, I will just own up. For your case, I think both have to bear the responsibility but I would say he has to shoulder more blame than you.

[revhappy]

The only worst case senario is, the other party claimed from your insurance and you lose your NCD. Your insurance company will know the other number plate once they receieved the claim from them.

 

Actually your case still can fight. Cause from what I see, you have a higher upperhand here.

 

First of all the case can be your fault or the other party depending on how you interpret it. Cause "BY RIGHT" you should have slowed down before reaching a traffic junction. And he should have waited until the road is cleared and this is the crucial point. If by what you mentioned, it sounds like he had already decided to turn during the green->amber light despited seeing you approaching. If he had waited till the green arrow lighted up, you wouldn't have come in contact with him. Don't forget the green arrow takes a while to light up.

 

And there is no witness to prove who is in the wrong. Remember if there is no witness, rules from the basic theory comes in place. The one turning will have to give way to the one going straight. You can say in your report that it is still green light in your favour and the other party didn't give way. I will suspect the other party will say you beat the red light to have the case in his favour.

 

So it up to you. Normally for me, if it is clear cut my fault, I will just own up. For your case, I think both have to bear the responsibility but I would say he has to shoulder more blame than you.

 

Thanks a lot bro, that makes me feel a lot better.

I am actually really thankful to god that I was able to balance the bike and stay upright, if I fell not only bike damage and any rashes on my skin, my wife will know about the accident and permanently ban me from riding .

It was a really hard impact and there are deep scratches on his car, caused by my clutch lever I guess, but not a single scratch on my bike.

 

I know I should have slowed and I still cant believe that the accident happened. I am normally very watchful, but this place was like I was in the center lane and riding at about 50-60 kms/hr and there were lots of cars on my right and hence I was blinded and couldn't really see the opposite direction until it was too late and same like me the opposite car couldnt see me because of lots of cars on my right until it was too late.

 

But the shocking thing is the place of impact, I hit him at the rear right side(near the petrol cap), I am just wondering, if I couldn't slow down and if I was faster, he would have hit me head on. I wouldn't have been typing all this if that had happened.

 

This incident will make me really more careful on the road.

 

Thanks again.

[ki113r]

Sad to hear about this accident, but good thing is u'r not injured

[ongcs]

Thanks a lot bro, that makes me feel a lot better.

I am actually really thankful to god that I was able to balance the bike and stay upright, if I fell not only bike damage and any rashes on my skin, my wife will know about the accident and permanently ban me from riding .

It was a really hard impact and there are deep scratches on his car, caused by my clutch lever I guess, but not a single scratch on my bike.

 

I know I should have slowed and I still cant believe that the accident happened. I am normally very watchful, but this place was like I was in the center lane and riding at about 50-60 kms/hr and there were lots of cars on my right and hence I was blinded and couldn't really see the opposite direction until it was too late and same like me the opposite car couldnt see me because of lots of cars on my right until it was too late.

 

But the shocking thing is the place of impact, I hit him at the rear right side(near the petrol cap), I am just wondering, if I couldn't slow down and if I was faster, he would have hit me head on. I wouldn't have been typing all this if that had happened.

 

This incident will make me really more careful on the road.

 

Thanks again.

 

Don't worry about him claiming. Based on recent case, as long as the traffic light is in your favour, Vehicle making right turn sure lose the case. If he claims, he will want you to make a report as well so that the case can proceed asap. Otherwise wait for your insurance company to call you if it happens. In your report, make it really simple saying that you are going straight as the traffic light is green and the car sudden cut into your path.

[sparkyben]

Is best to call him up ask him how you guys wanna settle. Try not to involve insurance if can settle among you two that will close the case.

1) did he admit his fault? Traffic light was green only? Insurance company wont listen to one side story.

That will be good if he admit.

 

2) if he say it was red and green for him to turn then it will be no further action taken. Both have to settle their own damages. If report insurance den next time insurance will increase.

[revhappy]

Don't worry about him claiming. Based on recent case, as long as the traffic light is in your favour, Vehicle making right turn sure lose the case. If he claims, he will want you to make a report as well so that the case can proceed asap. Otherwise wait for your insurance company to call you if it happens. In your report, make it really simple saying that you are going straight as the traffic light is green and the car sudden cut into your path.

 

Thanks bro.

 

Is best to call him up ask him how you guys wanna settle. Try not to involve insurance if can settle among you two that will close the case.

1) did he admit his fault? Traffic light was green only? Insurance company wont listen to one side story.

That will be good if he admit.

 

2) if he say it was red and green for him to turn then it will be no further action taken. Both have to settle their own damages. If report insurance den next time insurance will increase.

 

As there is no damage to my vehicle, I dont really want to take this forward, but then since he could go and claim against my insurance, so to be on the safe side I am just going to report to IDAC, but not claim anything from him, as no damage done to me, so nothing to claim. Just want to safe from my side.

 

BTW, this is the result of the impact:

 

[Constructicon]

Yes bro, you should go to Idac and report your side of the story.

Else, the other party can just say u ran the red light and caused the accident.

 

If you are really across the lights at amber, the car should have checked for incoming traffic before turning right. Doubt the other party will say it's his fault, else he wont report at all.

If no witness, its his words against yours.

[revhappy]

Hey guys,

 

Just got a letter from my insurance company that the car driver has made a claim of $2887. They have also asked me to reply with any comments,if I have. If not they will just proceed with it as they deem fit.

 

I think $2887 is way too much for those scratches isn't it? I have already reported to IDAC my story, isnt that enough? But I havent submitted the photo that I had taken, may be I will reply to the insurance guys once again with the photo.

[shahrul_azmil3]

this might not what u wish to read but

 

from what is see the price is justifyable

 

i see not only scratch but dents

 

need to do paintjob

 

usually they will also ask for a replacement car for that time the car is in shop. that too they will claim.

 

Sent from my GT-P1000 using Xparent Cyan Tapatalk

[revhappy]

this might not what u wish to read but

 

from what is see the price is justifyable

 

i see not only scratch but dents

 

need to do paintjob

 

usually they will also ask for a replacement car for that time the car is in shop. that too they will claim.

 

Sent from my GT-P1000 using Xparent Cyan Tapatalk

 

Oh IC. Thanks for the info, bro. Then I will just let the insurance company to decide, but I will call them tomorrow and reply to them my comments as well.

 

Couple of questions I have is:

1)At this point has it been decided that I am guilty and my insurance company has to pay? If not, who makes the decision? Is it my insurance company or some other neutral mediator?

2)In case the insurance company decides to go ahead and pay the whole amount, will they themselves bear the whole thing? Is there a limit for 3 party claims? I feel so sorry for them, my insurance premium per year is just 163$ with 10% NCD.

[micheal]

If he says like that, am sure he is gonna file a report and claim againts your insurance. Maybe those more experienced can share whats the next step.. For me always have my lawyer to settle for me..

 

Sent from my Dell Streak using Tapatalk

 

Wow bro, u r rich. U r my boss!!!

[kinwei]

Oh IC. Thanks for the info, bro. Then I will just let the insurance company to decide, but I will call them tomorrow and reply to them my comments as well.

 

Couple of questions I have is:

1)At this point has it been decided that I am guilty and my insurance company has to pay? If not, who makes the decision? Is it my insurance company or some other neutral mediator?

2)In case the insurance company decides to go ahead and pay the whole amount, will they themselves bear the whole thing? Is there a limit for 3 party claims? I feel so sorry for them, my insurance premium per year is just 163$ with 10% NCD.

 

1) If you had informed this accident to your insurance company and says you are NOT in the wrong, they will try all means to throw out the claim. If court is needed, they will hire lawyers on your behalf to fight for you. You just wait for the outcome. You need at least 80% win to safe guard your NCD.

 

2) For the next 3 years, your insurance will not be $163. It will be much higher than that as it will include a loading. Things don't come for free. Someone will have to bear the repair.

[kinwei]

Oh IC. Thanks for the info, bro. Then I will just let the insurance company to decide, but I will call them tomorrow and reply to them my comments as well.

 

Couple of questions I have is:

1)At this point has it been decided that I am guilty and my insurance company has to pay? If not, who makes the decision? Is it my insurance company or some other neutral mediator?

2)In case the insurance company decides to go ahead and pay the whole amount, will they themselves bear the whole thing? Is there a limit for 3 party claims? I feel so sorry for them, my insurance premium per year is just 163$ with 10% NCD.

 

1) If you had informed this accident to your insurance company and says you are NOT in the wrong, they will try all means to throw out the claim. If court is needed, they will hire lawyers on your behalf to fight for you. You just wait for the outcome. You need at least 80% win to safe guard your NCD.

 

2) For the next 3 years, your insurance will not be $163. It will be much higher than that as it will include a loading. Things don't come for free. Someone will have to bear the repair.

[revhappy]

1) If you had informed this accident to your insurance company and says you are NOT in the wrong, they will try all means to throw out the claim. If court is needed, they will hire lawyers on your behalf to fight for you. You just wait for the outcome. You need at least 80% win to safe guard your NCD.

 

2) For the next 3 years, your insurance will not be $163. It will be much higher than that as it will include a loading. Things don't come for free. Someone will have to bear the repair.

 

Thanks bro. How much more could the increase be? What if I change my insurance company? What if I change my bike?

[kinwei]

Thanks bro. How much more could the increase be? What if I change my insurance company? What if I change my bike?

 

How much is decided by the insurance company. You may check with them on the estimation.

 

When you buy a new insurance, by right they will ask if you have any accident for the past 3 years. You can choose to lie to them and hope they will just proceed with it. However if you get into an accident again, and somehow they dig out your past record, they can void your insurance.

[feriosi]

Hey guys,

 

Just got a letter from my insurance company that the car driver has made a claim of $2887. They have also asked me to reply with any comments,if I have. If not they will just proceed with it as they deem fit.

 

I think $2887 is way too much for those scratches isn't it? I have already reported to IDAC my story, isnt that enough? But I havent submitted the photo that I had taken, may be I will reply to the insurance guys once again with the photo.

 

Both parties from the same insurance company?

[revhappy]

How much is decided by the insurance company. You may check with them on the estimation.

 

When you buy a new insurance, by right they will ask if you have any accident for the past 3 years. You can choose to lie to them and hope they will just proceed with it. However if you get into an accident again, and somehow they dig out your past record, they can void your insurance.

 

Thanks bro. But just wondering, my current insurance is with MSIG. So next time even if I disclose to NTUC about the accident, while getting their insurance, will they load with the same amount? In this case NTUC is getting undue gains while MSIG is losing out, but I guess it will all even out when we consider all aggregate riders in Singapore. Hmm... they seem to have a built a fool proof system

 

Both parties from the same insurance company?

 

Not sure bro. Mine is MSIG, dont know his.

[kinwei]

Thanks bro. But just wondering, my current insurance is with MSIG. So next time even if I disclose to NTUC about the accident, while getting their insurance, will they load with the same amount? In this case NTUC is getting undue gains while MSIG is losing out, but I guess it will all even out when we consider all aggregate riders in Singapore. Hmm... they seem to have a built a fool proof system

 

I'm not sure whether they load the same amount. They should have a way to calculate. You just have to worry on the premium they gonna charge you. Anyway have you declare to your insurance you have the right of way? If do, then you just sit back and wait. But count yourselves lucky the driver only claim $2k+, to me it is quite okay for that damage. So if you lose the case, it will not be a big impact.

 

Try knocking into taxi, you will find all sort of funny claim.

[revhappy]

I'm not sure whether they load the same amount. They should have a way to calculate. You just have to worry on the premium they gonna charge you. Anyway have you declare to your insurance you have the right of way? If do, then you just sit back and wait. But count yourselves lucky the driver only claim $2k+, to me it is quite okay for that damage. So if you lose the case, it will not be a big impact.

 

Try knocking into taxi, you will find all sort of funny claim.

 

 

Thanks bro, yes i have mentioned in my report thatit was green in my favor.

 

BTW, called up MSIG and got the lady officer handling my case, same person who's name is on the letter i received.

 

She said the driver had a video camera and he has mentioned it was green in his favor, she not sure green light or green arrow, but if green arrow they will have to pay. Now she has asked for the video.

 

I am pretty sure it was amber when I was crossing so it can't be green arrow for him. So hopefully the video helps in getting the case to my favor

[ticks]

wa bro u whack the car so hard until dent you still managed to keep it upright on that beast...upss for u! glad youre ok..