relatively new rider kenna accident. need help.

[aslam]

hi guys,

 

i got into an accident this monday, it was wet and i was riding on a busy road. the bike had skidded and i fell. however i reamined within my lane on a road with three lanes. i was in the centre lane. there was a car behind me on the lane to the right of mine, she somehow braked, swerved and mount the curb on the right. there was not any kind of collision between me or any other vehicle. i did not even go into her lane when my bike skidded. after i fell i got off with minor injuries the car was stuck as the curb as the tyre got deflated.

 

it was my first accident and i didn know what to do. so i just exchanged particulars with her. it was a company car and the people from the company came down. got it off from the curb and changed the tyre and the car was driven off. no major damage to the car except for the tyres.

 

now the company calls me to say that he can claim from my insurance for this. i have already informed my insurance company about this incident. can they really claim from my insurance? cos from my point of view i self skidded i didnt bang into anyone. she claims that she mounted the curb so as to not hit me. but i was not in her lane. so how guys? anone has any suggestions of wha i can do?

 

thank u for ur advice gentlemen..

[vinho_16]

Oh man...sounds like a sticky situation.

From the one insurance claim story ive heard before from a reliable source, she can claim your insurance for her damages. Kinda silly huh. Well, welcome to the world of insurance claim headaches.

 

A lion doesn't consider an opinion of a sheep

[dashburn]

Check with them how much they are claiming for, any what they are claiming for first. It shouldn't be anything more than a tyre or a wheel maybe.

[vinho_16]

Well whatever the claim is, hes already screwed for the next renewal.

 

A lion doesn't consider an opinion of a sheep

[Demon]

She was obviously following you too closely compounded by her slow reflexes.

 

On what ground is the other insurer claiming againster you?

 

It is not necessary to report every incident to your insurer.

In your case, it would have been better not to report because no other party was involved. Now that you have reported, and the other party has also reported, the insurers must investigate. There is no guarantee that the outcome will be in your favor

[kinwei]

If there is no contact, it hard for them to claim your insurance unless you admit saying you cause them to accident. Plus there is no witness right? It your word against their. Must see how they write their report also. You just stick to your version in your report and let the insurance companies fight it out.

[skyblueblue]

She was obviously following you too closely compounded by her slow reflexes.

 

On what ground is the other insurer claiming againster you?

 

It is not necessary to report every incident to your insurer.

In your case, it would have been better not to report because no other party was involved. Now that you have reported, and the other party has also reported, the insurers must investigate. There is no guarantee that the outcome will be in your favor

 

Agreed. If thats the case lucky she never bang u. Then u can claim her.

 

I would just change my statement and say she bump me causing me to skid. Let their insurance fight it out

[mechwira]

there is no difference whether you admit or don't admit, you report or don't report. all that matters is the evidence.

 

A report is always to protect yourself in case the other party twist story. it is simply a matter of if you dont report within 24h, then the other party claim you with their own version of story, then when the letter comes much later, can you remember details of your story after a long time? is the damage evidence still on your vehicle? what if, for example, the other party claim that you hit her? had you made a report within 24h, your insurer will take photo for proof that there was no impact damage on your bike. but if this was done one week later, there is reasonable doubt in the sense that there could have been impact damage but you already made repairs. plus had you immediately taken photos to show where your bike fell to prove it did not at any point go directly in the path of the other vehicle, you further strengthen your story in your report.

 

therefore i disagree with the brothers advising that no need to report. and they investigate only when one party proceeds with a claim, not based on just reporting. if one or both parties report but neither decide to proceed with a claim, no investigation is conducted. i can assure you of this because this has been my case twice; report made with neither party deciding to proceed with claim.

 

a report does not affect your premium, only actual claims. and the insurers will only put blame based on available evidence, not who 'admit fault'. if both parties tell the true same story and the evidence supports the single story, then the insurers will decide whether TS is to blame based on this, it does not matter whether one of them 'admit fault'.

[Demon]

there is no difference whether you admit or don't admit, you report or don't report. all that matters is the evidence.

 

therefore i disagree with the brothers advising that no need to report. and they investigate only when one party proceeds with a claim, not based on just reporting. if one or both parties report but neither decide to proceed with a claim, no investigation is conducted. i can assure you of this because this has been my case twice; report made with neither party deciding to proceed with claim.

 

You must understand how insurers work, then you can play by the rules to your advantage.

 

http://www.straitstimes.com/premium/forum-letters/story/governing-body-needed-motor-insurance-claims-20131101

[slowrider]

Well whatever the claim is, hes already screwed for the next renewal.

 

A lion doesn't consider an opinion of a sheep

 

Not true if on third party no fire no theft. Even if third parties had claimed for damages. But of course, your own damage is all yours. But how much can a normal bike cost for damages, right?

 

Next renewnal same price just no NCD. But don't crash too many times cos then no insurance want you as customer!

 

But if young riders cannot go on third party.

 

Too bad! hahahahaha

[wait4me]

say she knock u then u fall lor then she hit the curb ..

[vinho_16]

Not true if on third party no fire no theft. Even if third parties had claimed for damages. But of course, your own damage is all yours. But how much can a normal bike cost for damages, right?

 

Next renewnal same price just no NCD. But don't crash too many times cos then no insurance want you as customer!

 

But if young riders cannot go on third party.

 

Too bad! hahahahaha

 

Yeap i agree. Had a friend who only recently just kena like such. No company wanna insure except NTUC. Class 2B bike yamaha YBR. $800+

 

 

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[vinho_16]

say she knock u then u fall lor then she hit the curb ..

 

Why need to lie?

 

 

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[molecules]

Why need to lie?

 

 

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Yeah, nothing good comes out from a lie. Let the truth betold.

 

Like what some of the bros mentioned ealier in this thread, the driver ought to brake in time if given enough following distance. No reason for her to swerve to the curb.

[kinwei]

I won't advice TS to lie as well. If it your fault then just accept it. I myself have been into accident, nothing is more frustrating when the other party made up story and claim it your fault. Just state your version of story as truthful as possible and let the insurance do their work. That's all.

[zalk]

Since you did not enter any other lane at any point of your skid and fall I don't think she can claim from you. At most if you're feeling nice that she took the effort to attempt avoiding hitting you then pay for her tyre i guess.

[vinho_16]

Since you did not enter any other lane at any point of your skid and fall I don't think she can claim from you. At most if you're feeling nice that she took the effort to attempt avoiding hitting you then pay for her tyre i guess.

 

You sir deserve my like.

 

A lion doesn't consider an opinion of a sheep

[xiaoviper]

Yeah, nothing good comes out from a lie. Let the truth betold.

 

Like what some of the bros mentioned ealier in this thread, the driver ought to brake in time if given enough following distance. No reason for her to swerve to the curb.

 

Normal for drivers to panic, but like he said. Safe following distance, she should be able to brake in time and no reason for her to swerve as you're not in her lane.

That's your arguing point.

 

Same goes for people who tailgate and bang, the car that hits from behind always at fault, cannot say front car brake then he swerve to avoid.

[molecules]

:thumbup: true to that. Can't believe the company got the cheek to pull such a stunt. Won't that reflect badly on them? :screwy:

[guangwei]

Bro, trust me u getting conned. Its her fault if she hit u, cus she is the car behind. (most likely kill u also)

But since she didn't hit u as she swerve her car, its her luck. if she report everything, at most u got charged by lta 6 points for self skidding, nothing else. you wont have to pay her a single cents, neither is she. since she manage to get her car out of ur lane.

 

anyway its still ur lost. cus she go and complain u for self skidding. self skidding is an offence n is reliable to get charged of 6 points and some 100$ fine. lidat only.

[guangwei]

Since you did not enter any other lane at any point of your skid and fall I don't think she can claim from you. At most if you're feeling nice that she took the effort to attempt avoiding hitting you then pay for her tyre i guess.

 

Huh, but in truth if the bike infront of u skid, u can definitely stop in time if you are not following to closely. sry from what i know of the vehicle behind is always responsible for the vehicle infront safety when driving in a same lane because the vehicle infront cannot see the vehicle behind.

[ngteohgmail.com]

Did you saw her car install camera or video? If yes, that will be a very good evident.

 

 

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