If you are a car driver in Singapore and have been involved in a car accident caused by a third party, you can file a 3rd party claim with a number of companies.
Nobody wants to be involved in an accident of any kind. Whether that be a workplace accident or a car accident.
Singaporean car drivers must have car insurance of some sort. Your car insurance will be able to assist you in putting a claim against the person or persons who you had the accident with.
Always Send The Report No Later Than Twenty Four Hours Since The Accident.
Be aware that most insurance companies need you to get in touch with them as quickly as possible. Generally no later than twenty-four hours. Avoid taking your time thinking about it too much. The quicker you go ahead and report it, the quicker your claim will be returned to you.
Always Take As Many Photos As You Can of the Scene of the Accident.
Taking as many photos as you can of the scene of the accident will give you more proof to give to the insurance company. They will also help you to remember things when you are writing your report. If possible, try to capture a video of the scene and area too. Remember to capture the number plates of all vehicles involved, especially if you need to make a 3rd party claim later.
Ask The Other People From The Other Vehicle For Their Contact Details.
Be sure to ask for the contact details of the other people in the other vehicle involved. Get as many details as you can including their NRIC numbers.
If you did have an accident with other vehicles, you can make claims against them. You will need to include their contact details in your claim so the insurance company can communicate with them if required.
Have An Car Accident By Yourself?
If you had an accident by yourself, and no one else is involved, then you will need to decide if the cost of the insurance claim is more or less the same as your No Claim Discount. If it is similar to this, then it may not be worth making the claim. If you do put a claim in, you may have to pay extra in the following year.
Keep in mind that if you do make a claim, then you will not be able to use your claim discount again. You will have no choice but to pay an extra premium when the new year begins.
Work Out How Your Claim Will Affect The Premiums You Are Currently Paying.
Before putting a claim in, always work out how this might affect the premiums that you are currently paying. Not only will you have to pay more premiums in the new year, but you will also lose your discount amount. Do you really want that?
As we have seen, there are a few things that you need to do if you want to file a 3rd party accident claim with an authorised workshop in Singapore. Please keep these in mind when you are intending to do this.