Possible petition against using PSB approve helmets only

[euphonium07]

Dont insurance companies ask if you're wearing PSB approved helmets when you're claiming from them after an accident?

 

i am wondering about this as well? anyone with experience regarding this?

 

personally, i would buy a helmet with certification from reputable organisation such as snell, dot, ece, sharp etc, not saying psb is bad, but we don't know how they test the helmets, very little or no information provided, whereas the international standards lay out the different tests they did to the helmets

[fand]

Im curious about this too. The instructors at CDC always try n scare us that insurance cannot claim

 

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[mechwira]

i'm going to try to explain how insurance works.

 

when you are in an accident, even if you wear psb helmet, even if you were in the right, the relevant insurance company can give any bullcrap reason not to pay you compensation. it can be as stupid as the other guilty party refusing to bring his car in for assessment. thats because it is not a 'crime' for an insurance company to play you out in any way they can.

 

and so, if they can use non-psb helmet as an excuse, they will tell you fly kite. but its not just non-psb helmet, they can give any stupid reason.

 

your only recourse is to engage your own private lawyer to sue and claim the insurance company. this is then taken to court. when (or if) a court has decided how much compensation you deserve, thats when the insurance company suck thumb must comply, because it is now a court order.

 

if the helmet issue is brought to court, technically speaking a non-psb helmet will not automatically deny you of compensation; in fact the insurer must prove to the court that your non-psb helmet was unsafe and contributed to your damages/injury. if the insurer bring the helmet sample, drop it in front of judge and it breaks into pieces, suck thumb your insurer win, they dun need give you full compensation. on the other hand, if the helmet passes all psb tests even though your retailer didn send it for testing, you win, the judge will order full compensation. including your lawyer fee (i think).

 

of coz, if your insurer in the first place dun play you out, then all this is avoided. most times though, the insurers are fully aware how the court will decide and whether they are playing you out. which is why most times, a lawyer's letter to your insurer is all it takes to get things going. only if they know they are in the right will they bother calling your bluff and challenging your lawyer in court.

 

know your rights. in the past few years i realize there are less knowledgeable ppl out there who have been denied full compensation because the insurer give nonsense reasons and the victim mistakenly thinks its the end of it coz insurer say dowan to pay, nothing more to say.

[fand]

i'm going to try to explain how insurance works.

 

when you are in an accident, even if you wear psb helmet, even if you were in the right, the relevant insurance company can give any bullcrap reason not to pay you compensation. it can be as stupid as the other guilty party refusing to bring his car in for assessment. thats because it is not a 'crime' for an insurance company to play you out in any way they can.

 

and so, if they can use non-psb helmet as an excuse, they will tell you fly kite. but its not just non-psb helmet, they can give any stupid reason.

 

your only recourse is to engage your own private lawyer to sue and claim the insurance company. this is then taken to court. when (or if) a court has decided how much compensation you deserve, thats when the insurance company suck thumb must comply, because it is now a court order.

 

if the helmet issue is brought to court, technically speaking a non-psb helmet will not automatically deny you of compensation; in fact the insurer must prove to the court that your non-psb helmet was unsafe and contributed to your damages/injury. if the insurer bring the helmet sample, drop it in front of judge and it breaks into pieces, suck thumb your insurer win, they dun need give you full compensation. on the other hand, if the helmet passes all psb tests even though your retailer didn send it for testing, you win, the judge will order full compensation. including your lawyer fee (i think).

 

of coz, if your insurer in the first place dun play you out, then all this is avoided. most times though, the insurers are fully aware how the court will decide and whether they are playing you out. which is why most times, a lawyer's letter to your insurer is all it takes to get things going. only if they know they are in the right will they bother calling your bluff and challenging your lawyer in court.

 

know your rights. in the past few years i realize there are less knowledgeable ppl out there who have been denied full compensation because the insurer give nonsense reasons and the victim mistakenly thinks its the end of it coz insurer say dowan to pay, nothing more to say.

 

Wow, thanks for the explanation. So the moral of the story is fight on if you are in the right - non-PSB helmet, if safe, shouldn't be an issue. Were you in the insurance industry?

[mechwira]

Wow, thanks for the explanation. So the moral of the story is fight on if you are in the right - non-PSB helmet, if safe, shouldn't be an issue. Were you in the insurance industry?

 

no. not in industry.

 

just happened to have a colleague a few years ago involved in car accident where other party suspected drunk. when tried to submit claim against other party's insurer, the insurer essentially said "Sorry, if drunk then we are not liable, and we've been asking him to bring his car for assessment and he has been ignoring us, so we really can't do anything".

 

so my colleague engaged private lawyer. who sent a letter to the insurer. and immediately the insurer chased their client to submit car for assessment and invited my colleague and lawyer for settlement discussion.

 

the helmet issue is just something i read in general about how the court works.

 

 

and to clarify, the idea that "non-psb helmet if safe shouldn be an issue" is only if/when it gets fought over in court. before it reaches the court, TP still can saman you for wearing non-psb, and if you want to avoid the helmet issue altogether then of coz wearing psb in the first place automatically makes the insurer unable to bring up the issue at all. AND you have to aware of the possibility that it turns out the non-psb helmet really wont pass PSB test after all, in which case you're screwed.

Edited December 27, 2015 by mechwira

[Hydher]

Yes sometimes tp will ask you if your helmet is psb approved when you get into an accident.

Esp if you riding something like a harley or vespa

[michaelcogburn.c]

The PSB regulation don't know how long will it take to secure bikers from using helmet during riding. Hopefully in the future this regulation will maintain accordingly.

[euphonium07]

i'm going to try to explain how insurance works.

 

when you are in an accident, even if you wear psb helmet, even if you were in the right, the relevant insurance company can give any bullcrap reason not to pay you compensation. it can be as stupid as the other guilty party refusing to bring his car in for assessment. thats because it is not a 'crime' for an insurance company to play you out in any way they can.

 

and so, if they can use non-psb helmet as an excuse, they will tell you fly kite. but its not just non-psb helmet, they can give any stupid reason.

 

your only recourse is to engage your own private lawyer to sue and claim the insurance company. this is then taken to court. when (or if) a court has decided how much compensation you deserve, thats when the insurance company suck thumb must comply, because it is now a court order.

 

if the helmet issue is brought to court, technically speaking a non-psb helmet will not automatically deny you of compensation; in fact the insurer must prove to the court that your non-psb helmet was unsafe and contributed to your damages/injury. if the insurer bring the helmet sample, drop it in front of judge and it breaks into pieces, suck thumb your insurer win, they dun need give you full compensation. on the other hand, if the helmet passes all psb tests even though your retailer didn send it for testing, you win, the judge will order full compensation. including your lawyer fee (i think).

 

of coz, if your insurer in the first place dun play you out, then all this is avoided. most times though, the insurers are fully aware how the court will decide and whether they are playing you out. which is why most times, a lawyer's letter to your insurer is all it takes to get things going. only if they know they are in the right will they bother calling your bluff and challenging your lawyer in court.

 

know your rights. in the past few years i realize there are less knowledgeable ppl out there who have been denied full compensation because the insurer give nonsense reasons and the victim mistakenly thinks its the end of it coz insurer say dowan to pay, nothing more to say.

 

that was long, but thank you, at least I am more knowledgeable now! So I guess, just buy a PSB approved helmet to be safe, in terms of both rider protection and insurance claim. Of course, choose the helmet that is also tested with other testing organisations.

[fand]

that was long, but thank you, at least I am more knowledgeable now! So I guess, just buy a PSB approved helmet to be safe, in terms of both rider protection and insurance claim. Of course, choose the helmet that is also tested with other testing organisations.

I second that. We r typical kiasu singaporeans. Everything must double confirm

 

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