Skip to main content

You Just Got into a Car Accident. Now What?

One evening, when it was raining heavily, due to poor visibility, your car collided with another vehicle. You are a dexterous driver and have decades of experience in driving. It might not be your fault.

Many accidents do happen due to various reasons and give a dreadful experience to the drivers. The car insurance is mandatory for all cars in Singapore. However, the claim amount depends on the type of cover you have taken. 

All drivers should know about the ins and outs of the car accidentclaim and especially the car accident insurance claim time limit.

What to do at the accident spot?




Immediately after the accident, try to come out of the shock as soon as possible, do not panic and try to be stable.  Take the contact details, vehicle numbers of the other party involved in the accident and also share yours with them.

Take clear pictures of the accident scene and the damages of all the vehicles.


What you should not do at the accident spot?

·        You should never move the vehicle involved in the accident before taking the pictures.

·        If anyone is injured or fatalities or there, you should never attempt to move the injured person.

·        Should never have unauthorised dealings with the tow-truck services  at the accident scene.

When to report?



Always report the incident to your insurer while you are at the accident site itself so that they can assist you in a better way. 

Irrespective of the coverage that you have, as per the requirements of the GIA of Singapore, within 24 hours you should report the incident to your insurer and if the accident happens on a weekend, report it by the next working day.

Even if your car is not damaged in the accident or if it’s a minor damage that doesn’t incur much cost, then also you should report the incident to your insurer. Otherwise, your NCD will be forfeited or reduced by 10%.


Whom to report if anyone is injured? 


If there are injury cases in the accident, then call for medical assistance immediately and the Police within 24 hours of the incident.

Even if one person involved in the accident is taken from the accident spot by an ambulance or self-conveyed to the hospital.

Or

If anyone injured in the accident obtained outpatient medical leave for 3 or more days should make a Traffic Police report immediately or within 24 hours.

 If the accident involves any fatalities, damage to Government Property/vehicle, Foreign vehicle, Pedestrian or cyclist, Hit-and-Run case, then make a Traffic Police report immediately or within 24 hours.


How to report? 

Within 24 hours of the accident or the next working day (in case the accident happens on a weekend), call your insurer on his Hotline and report the incident. Also, for tow-truck services and further advice regarding the accident.


Why to report?



You should meet this requirement of reporting to your insurer within 24 hours so that he will take up your case, should the other party involved in the accident files against you.

 

What happens if I do not report?


If you fail to report the accident,

•        Your insurer may repudiate liability which means later on, if the other party makes a claim against you, then you have to pay for the legal bills and other costs on your own.

•        Your NCD/ No Claims Discount will be docked upon the renewal of your policy.

•        Your insurer may cancel or refuse to renew your policy.

Contact our staff at BRZE, who have two decades of experience in car accident claims. They will advise you with their expertise on the significance of car accident insurance claims, time limit and make your claim process a faster transaction.



 



Comments

Post a Comment

Popular posts from this blog

Types of Car Insurance in Singapore

In a world of uncertainty, a vehicle is quite a large investment that you make. It only makes sense to have your car insured in case of unforeseen events and circumstances. This is why getting car insurance in SG is recommended for you. A host of companies online offer simple methods to sign up for car insurance. But before that, let’s take a look at the different types of insurance available.    1. Third Party Only (TPO) Insurance  The third-party only insurance offers very elementary insurance to drivers. This insurance is the bare minimum that you need to get to own and drive in a Singapore-registered vehicle. This Insurance protects third parties in the event of an accident. Third parties that are covered may include injured pedestrians, damaged guardrails, etc. Getting TPO insurance is preferable when you barely use your car as it is less costly compared to other options. Several companies online have simple steps to register your vehicle to this insurance typ...
Post a Comment
Read more

How to make sure that your claim is successful?

Accidents may be a result of unforeseen circumstances, but making a successful claim is essential. Often people miss out on the details. This results in them losing their right to claim. There are a set of guidelines you must follow to complete a successful car accident claim in Singapore. Let’s look at the steps you must take after an accident. 1. Gather details For making a successful claim, you need to exchange the details with the other person involved. These include the name of the other person, their vehicle number, their NRIC and their address. Noting the name of their insurer is also essential. You may find yourself in a fix when the opposing party refuses to cooperate. Instead of getting into a heated argument, you can note down their vehicle number. 2. Click pictures of the incident Images are more often louder than words. This is true for claims as well. Taking a picture of the vehicle damage, the weather, the road conditions etc., is essential. Alongside clicking p...
Post a Comment
Read more