How To File 3rd Party Insurance Claim Bendemeer Road

third party claim

How To File 3rd Party Insurance Claim Bendemeer Road

Third party insurance is the most fundamental kind of insurance that all vehicle owners in Singapore should possess. It covers the chauffeur’s liability in case his/her mistake in the crash is confirmed, as well as covers the prices of 3rd party bodily injury and residential property damages. You can find detailed info regarding third party insurance in Singapore by visiting its specialized page on our website right here.

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What is the Motor Claims Framework (MCF)?

The MCF is a set of procedures that vehicle drivers ought to adhere to when reporting electric motor mishaps in Singapore. In a nutshell, after a collision, you need to accumulate information from other vehicle drivers involved in the mishap, take photographs of the occasion, after that call an insurance provider to report the crash. The last action is to bring the cars and truck to among the insurance provider’s authorized repair work workshop for automobile assessment– no matter if any kind of damage to the automobile has actually occurred or not. The MCF likewise implies that all mishaps need to be reported, as well as by not following those rules, you run the risk of being fined. To figure out more about the MCF, click on this link to view an infographic about this system.

Just how do I make a 3rd party insurance claim in Singapore?

Prior to making any kind of third party insurance claim in Singapore, or in fact throughout the world, make sure that the third party’s fault is validated by the police report. You can still send your car for repair even if the 3rd party’s obligation has not yet been confirmed, but you will need to spend for the repair work in advance. The adhering to mini-guide will certainly reveal you step-by-step how to make a 3rd party insurance claim in Singapore:

Step 1: Obtain all relevant info

After the crash, exchange details of involved parties including:

  1. Complete Name
  2. NRIC/ FIN
  3. Telephone number
  4. Address
  5. The Insurer as well as the policy number
  6. You’ll require this information for the report and to file a claim to the third party’s insurance provider

Step 2: Photograph whatever

Collect as many pieces of evidence as feasible to sustain your claim. Take pictures of your cars and truck’s damages, various other automobiles involved in the crash, and the crash environments. You may also take video footage and also try to get witness testaments.

Action 3: Report the accident to your insurance company

In Singapore, you are lawfully obliged to report ALL motor crashes within 24 hrs of its incident or the next working day. Even accidents with minor or no car damage, or circumstances where you intend to settle without making a third party insurance claim, must be reported. Call your insurance company to send you a lugging vehicle if required, and ask any kind of more concerns you might have. There’s no excuse for not reporting a car crash, as it is now necessary for every electric motor insurer in Singapore to have a 24 hours hotline readily available. You can additionally report an accident in one of the insurance company’s Approved Reporting Centers.

Not reporting the crash may cause:

  • Loss of your No Claims Discount upon your plan’s revival time.
  • The insurer declining/ cancelling your plan renewal.
  • The insurance company rejecting to compensate your claim because you have breached a policy condition by falling short to report the accident. That indicates you would need to pay out of pocket for your very own cars and truck repair expenses and also any additional third party insurance claims.

Step 4: Arrange with the 3rd party’s insurance company for pre-repair assessment

Call the third party’s insurance firm and also let them examine your automobile’s damage before sending it for repair service. You can not start your auto’s repair procedure until the pre-repair examination is full, or until the third party insurance company has forgoed the right to the investigation.

Relying on whether the fault of the various other driver is already confirmed or otherwise, you might pick two different options for filling the claim

You can bring your cars and truck to the third party insurance company’s Approved Reporting Center/ Authorized Workshop and also make the essential repair services there if the various other driver’s fault is developed.

You can ask your very own insurance company’s APR to assist you liaise with the third party insurer in your name if the obligation for the crash has actually not yet been validated.

Step 5: Proceed with the repair work as well as claim

After the assessment is ended up, and also you have actually obtained a fixing quote cost, you can proceed with the repairs. {Probably you would need to clear up in advance the fee for the repair work with the workshop straight if the 3rd party’s liability has not been validated yet.|Most most likely you would have to resolve upfront the charge for the repairs with the workshop directly if the third party’s liability has actually not been confirmed.|If the third party’s responsibility has actually not been validated yet, most likely you would certainly have to clear up upfront the cost for the repair services with the workshop directly.

If you have a cops record that clearly states the various other driver’s fault in the accident, and also that you concurred with the third party’s insurance firm on the fixing costs and compensation, you may continue with the repair work without the need to pay upfront. The workshop will certainly send your claim against the third party’s insurance for you, thinking all records are in area.

What if I have a dispute with the third party insurance provider?

On the occasion that you experience a dispute when submitting a How To File 3rd Party Insurance Claim in Singapore, you can speak to Financial Industry Disputes Resolution Centre Ltd (FIDReC) by calling 6327 8878, or be emailing Please bear in mind to supply the FIDReC with all info appropriate to your complaint, including: your name, call numbers, the specifics of your grievance, and all supporting papers (e.g. communication with the 3rd party insurer or police report).

Before making any type of third party insurance claim in Singapore, or actually anywhere in the globe, make certain that the third party’s fault is validated by the authorities record. Also crashes with small or no automobile damages, or situations where you desire to clear up without making a third party insurance claim, should be reported. Contact the third party’s insurer as well as allow them check your cars and truck’s damage before sending it for fixing. The third party’s insurance company has two working days to perform the pre-repair assessment after you have contacted them. You can not begin your vehicle’s repair work process up until the pre-repair inspection is complete, or till the third party insurance provider has forgoed the right to the examination. How To File 3rd Party Insurance Claim Bendemeer Road