I need help on what to do now after an accident

[Soomp]

alright for now, my bike is at TP HQ. this case is under investigation by the police.. be it i win or lose of this case or neither way, i want to know what should i do now..

 

cka bb aka my motorbike workshop suggest my bike to be tow to there to take a look before i decide whether i want to do a 3rd party claim against the taxi driver ..

he suggest if the damage to my bike is not really great, he suggest me not to do any claim off the 3rd party if i lose i got to pay for all the things.

 

i do not understand what he means here, if i lose, i have to pay for all the surveyors time and lawyer time? is that what he mean ?

 

i want to know whether can i do a claim on my insurance and his insurance?

 

im on 3rd party fire & theft, it is so call the 2nd party by my workshop.

 

it is so messy.. i been told by my insurance company to go down to idac to make a report of my accident.

i went there all is well till they ask for my insurance certifcate..

all the while i thought the insurance cover note is the insurance certifcate but idac claim that it isnt. they need the original copy or duplicate copy. my insurance company is mitsui..

 

and from all these, why is there a point to go through idac if according to the workshop, i can just decide on whether to claim or not to.. im so confuse by my workshop words.. what is the point of going through idac here?

 

and also.. do any of the surveyors need to take any pictures of my damage bike to do further investigation? or i can just go ahead and repair it if i need the bike urgently..

 

 

could any one please help me? im so confused.. i got to go alot of places... to and fro without a bike and i still am confused on my situtation now..

 

what is actually for idac ?

[ary76]

bro :

 

you got the following choices ...

 

1) tow the bike to your bike workshop and let them make a claim for you, repair the bike and all

 

2) tow the bike to IDAC first :

 

- to assess what are the damages that your motorbike suffered during the accident and then make a claim to your insurance company (a report from them would be comprehensive and is valid for your insurance claim)

 

-idac needs the insurance certificate for admin purposes, cover note is just to temporarily give you permission to ride the bike, in case you are stopped by any police officer on the road, while waiting for the original insurance certificate to be mailed to you ( you can get a copy of the original cert from your insurer, in this case, Mitsui. just give them a call and tell them you need a copy of the insurance cert

 

 

and lastly, if you are in urgent need of your bike, you can repair your bike first and then claim the amount from the insurers involved ...

[Soomp]

Originally posted by 7sixxer@March 10, 2007 01:11 am

bro :

 

you got the following choices ...

 

1) tow the bike to your bike workshop and let them make a claim for you, repair the bike and all

 

2) tow the bike to IDAC first :

 

- to assess what are the damages that your motorbike suffered during the accident and then make a claim to your insurance company (a report from them would be comprehensive and is valid for your insurance claim)

 

-idac needs the insurance certificate for admin purposes, cover note is just to temporarily give you permission to ride the bike, in case you are stopped by any police officer on the road, while waiting for the original insurance certificate to be mailed to you ( you can get a copy of the original cert from your insurer, in this case, Mitsui. just give them a call and tell them you need a copy of the insurance cert

 

 

and lastly, if you are in urgent need of your bike, you can repair your bike first and then claim the amount from the insurers involved ...

if i tow the bike to the workshop they take over to do the claim will they take picture of the damage bike first before doing any insurance claim ?

becus i think they might need evidence of the damage

if the taxi driver said i beat the red light, must likely i will be speeding and the damage on the bike is not great, thus this is consider not true.

[Soomp]

Originally posted by 7sixxer@March 10, 2007 01:11 am

bro :

 

you got the following choices ...

 

1) tow the bike to your bike workshop and let them make a claim for you, repair the bike and all

 

2) tow the bike to IDAC first :

 

- to assess what are the damages that your motorbike suffered during the accident and then make a claim to your insurance company (a report from them would be comprehensive and is valid for your insurance claim)

 

-idac needs the insurance certificate for admin purposes, cover note is just to temporarily give you permission to ride the bike, in case you are stopped by any police officer on the road, while waiting for the original insurance certificate to be mailed to you ( you can get a copy of the original cert from your insurer, in this case, Mitsui. just give them a call and tell them you need a copy of the insurance cert

 

 

and lastly, if you are in urgent need of your bike, you can repair your bike first and then claim the amount from the insurers involved ...

alright so for now i will need to call the insurance company up and request of the copy of insurance certificate.

 

and from here, i still see no point of idac if i choose to do claim thru the workshop,what is the use of idac here?

[pyro13]

ok..here goes..

 

PM me... i have a lawyer which can help you..

 

IDAC needs to take pics to assess the damage.

remeber, never ask u to repair estra parts. wat i mean is, part which are not damaged

do not ask them to change to new one just because you are claiming. as u can be charged for changing extra parts.

 

wat happened, did u beat the red light??

 

if im nt wrg, if u lose, u can claim against ur own insurance.

 

tats wat i know

[ary76]

for workshop claim, they will do all the neccessary paperwork to claim from the insurers ... if you choose them, then you may skip IDAC ..

 

IDAC is more of a third party assessment of damages incurred during an accident .. so that neither party can claim that the other is claiming excessively on the damages ...

[Soomp]

Originally posted by pyro13@March 10, 2007 01:28 am

ok..here goes..

 

PM me... i have a lawyer which can help you..

 

IDAC needs to take pics to assess the damage.

remeber, never ask u to repair estra parts. wat i mean is, part which are not damaged

do not ask them to change to new one just because you are claiming. as u can be charged for changing extra parts.

 

wat happened, did u beat the red light??

 

if im nt wrg, if u lose, u can claim against ur own insurance.

 

tats wat i know

alright..

so the idac ppl will go to my workshop and access the damanges?

alright i wun change it..

 

im definately sure i did not beat the red light..

if i beat means i will be speeding then.

i only sprain my wraist here.

 

im on 3rd party fire & theft, can i still claim even i lose or choose not to claim?

how long wil the process takes?

 

thanks! i will pm you..

[Soomp]

Originally posted by 7sixxer@March 10, 2007 01:28 am

for workshop claim, they will do all the neccessary paperwork to claim from the insurers ... if you choose them, then you may skip IDAC ..

 

IDAC is more of a third party assessment of damages incurred during an accident .. so that neither party can claim that the other is claiming excessively on the damages ...

ok. most likely the taxi now is also under inspection or get hold by any officals?

 

i been to idac center already. because mitsui asked me to go to them when i met an accident..

[ary76]

Originally posted by Soomp!@March 10, 2007 01:33 am

ok. most likely the taxi now is also under inspection or get hold by any officals?

 

i been to idac center already. because mitsui asked me to go to them when i met an accident..

i believe the taxi driver would have sent his vehicle to his own workshop or most probably to ComfortDelgro workshop to have it assessed and repaired.

[Soomp]

Originally posted by 7sixxer@March 10, 2007 01:36 am

i believe the taxi driver would have sent his vehicle to his own workshop or most probably to ComfortDelgro workshop to have it assessed and repaired.

alright.. so idac is just not necessary to go thru ?

my workshop will proceed on making any necessary procedures if i choose to go thru them ?

i dont really trust the workshop, what they say is like not confirm one.. really scare of them..

i wanna do 3rd party claim on the taxi driver..

if this is what i told the workshop, will they hear it in and ask for assessment or they will just go on repairing my motorbike without my consent and later ask for huge sum of repairing cost?

[Soomp]

Originally posted by pyro13@March 10, 2007 01:28 am

ok..here goes..

 

PM me... i have a lawyer which can help you..

 

IDAC needs to take pics to assess the damage.

remeber, never ask u to repair estra parts. wat i mean is, part which are not damaged

do not ask them to change to new one just because you are claiming. as u can be charged for changing extra parts.

 

wat happened, did u beat the red light??

 

if im nt wrg, if u lose, u can claim against ur own insurance.

 

tats wat i know

bro can u provide me ur msn if u do have it?

 

my msn is at [email protected]

 

thanks..

 

is RE the lawyer and stuffs

[pyro13]

if u sent to workshop, the workshop will bring the bike to IDAC.

 

U go to IDAC personally to show ur insurance and tell them info like wat injury and which side..

 

HAVE U MADE A police report??

 

if you know you are not in the wrong.CLAIM as justice is fair..

 

the IO is not stupid..my case is also being investigated..

 

wat happened to me was i was goin straight in a petrol kiosk and this car

just beat the flow of traffic and speed into me.

 

y do i say speed?? i saw him and i stop...he saw me and he braked and screeched....

i ask you?? car and bike brake which one more pewerful..of coz car rite

 

wen kena..the passengers come out and scold me vulgarities.. damn tulan.. wanna make them taste my helmet... maybe GPR but sttill cn crack head i believe..

 

watever happened, tell it in police report..like if the driver try to run..or got help u??

[ary76]

Originally posted by Soomp!@March 10, 2007 01:41 am

alright.. so idac is just not necessary to go thru ?

my workshop will proceed on making any necessary procedures if i choose to go thru them ?

i dont really trust the workshop, what they say is like not confirm one.. really scare of them..

i wanna do 3rd party claim on the taxi driver..

if this is what i told the workshop, will they hear it in and ask for assessment or they will just go on repairing my motorbike without my consent and later ask for huge sum of repairing cost?

i can't really answer it for your workshop bro ...

 

if u have sent the bike to IDAC, you'll most probably have gotten a copy of the report from them. you can either choose :

 

~to go to your own workshop, give them the IDAC report and ask them to repair/claim accordance to the report or

 

~ask Mitsui to give you their own panel of workshops to choose from to send your bike for repair and claims...

[pyro13]

ut lucky for me..i have a witness.

 

and guess who the witness is?!

MY STINKING LAWYER!!!

 

he saw and then said he will help me

[pyro13]

best is u go to mitsui workshop as u dun need to pay,..ask the wrokshop first

[Soomp]

Originally posted by pyro13@March 10, 2007 01:45 am

if u sent to workshop, the workshop will bring the bike to IDAC.

 

U go to IDAC personally to show ur insurance and tell them info like wat injury and which side..

 

HAVE U MADE A police report??

 

if you know you are not in the wrong.CLAIM as justice is fair..

 

the IO is not stupid..my case is also being investigated..

 

wat happened to me was i was goin straight in a petrol kiosk and this car

just beat the flow of traffic and speed into me.

 

y do i say speed?? i saw him and i stop...he saw me and he braked and screeched....

i ask you?? car and bike brake which one more pewerful..of coz car rite

 

wen kena..the passengers come out and scold me vulgarities.. damn tulan.. wanna make them taste my helmet... maybe GPR but sttill cn crack head i believe..

 

watever happened, tell it in police report..like if the driver try to run..or got help u??

oh okie. so my workshop will get my bike to idac on their own if i request for 3rd party claim ?

 

yes i did went thru a police report..

 

i am sure im right, it is green light when i ride past.

 

the taxi driver alight from his vehicle and ask whether am i alright or not..

he did help me out..

but then he turn his story around, which i don't like at all.

[Soomp]

Originally posted by pyro13@March 10, 2007 01:47 am

best is u go to mitsui workshop as u dun need to pay,..ask the wrokshop first

mitsui workshop?

i do i go bout going thru them?

i dun realy trust my workshop..

when i request for something they think im too troublesome..

and suggest other.

[Soomp]

Originally posted by pyro13@March 10, 2007 01:46 am

ut lucky for me..i have a witness.

 

and guess who the witness is?!

MY STINKING LAWYER!!!

 

he saw and then said he will help me

omg u are real lucky..

for my case, im not sure who are the witness..

all i know is. green light,

i go forth

the taxi come out, i bang onto him..

after i fell, he rush to me ask me got hurt or not

den he sae he is commented he is dead meat already..

slowly after when we waiting for the ambulance to come, passerby A ride bicycle past, he got off his bicycle ask us whats wrong.

the taxi driver commented that both of us were GREEN light, that is why im so sure that im GREEN and he is GREEN too..

but now i think he told the police, i beat the red light.

[pyro13]

tell tat to police..say tat he commented he is dead meat.

 

and even if he reverse his story, just tell him nicely..

 

uncle, karma is ter..what goes around comes around

 

so please tell the truth

[pyro13]

wat bike are u riding

[Soomp]

Originally posted by pyro13@March 10, 2007 02:00 am

tell tat to police..say tat he commented he is dead meat.

 

and even if he reverse his story, just tell him nicely..

 

uncle, karma is ter..what goes around comes around

 

so please tell the truth

i told my IO Staff SGT willie lim

he told me

the cyclist whom dun see the accident happen is not consider a witness.

omg..

 

but he is the witness of what the taxi uncle has converse about ma..

that still doesnt count

 

so unfair if the taxi driver is lying and im telling the turth in the end , i get high premium for my insurance next year and need to pay for my medicial fee and repair fee.

[Soomp]

Originally posted by pyro13@March 10, 2007 02:01 am

wat bike are u riding

Daelim road win 125..

 

not a sport bike... is a road bike..

[contrarian]

1. When I was insured with Mitsui, they told policyholders that they need not go to idac. Mitsui didn't impose that on its policyholders then (and that might be the case now - check your policy).

 

2. Mitsui has this very old style certificate of insurance. You can get this from the place you bought your insurance. Mitsui would have mailed it to them a few weeks after you bought it.

 

3. If you want to proceed with your claim against the other party, you might want to assess what your damage is first and how much before you proceed. Since you're not claiming injuries, you can just write to his insurer and make the claim. No need for a lawyer yet.

 

4. There are two sides to the story and your accident is no different. You can believe and say what you like and so can he. It then falls on whether there's enough evidence at the scene to support either story. That's the way it is and whatever you feel about it won't change the claim system here.