How To File 3rd Party Insurance Claim Choa Chu Kang West

third party claim

How To File 3rd Party Insurance Claim Choa Chu Kang West

Third party insurance is one of the most basic type of insurance that all auto proprietors in Singapore must have. It covers the vehicle driver’s responsibility in case his/her mistake in the mishap is validated, as well as covers the expenses of third party bodily injury as well as residential or commercial property damages. You can find thorough info regarding third party insurance in Singapore by visiting its specialized page on our website below.

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What is the Motor Claims Framework (MCF)?

The MCF is a collection of treatments that chauffeurs must adhere to when reporting motor accidents in Singapore. Essentially, after a crash, you should gather information from other drivers associated with the mishap, take pictures of the occasion, then call an insurance company to report the accident. The last step is to bring the car to one of the insurance provider’s accredited fixing workshop for car evaluation– despite if any kind of damage to the vehicle has taken place or otherwise. The MCF likewise indicates that all accidents must be reported, as well as by not following those rules, you run the risk of being fined. To find out more regarding the MCF, click here to see an infographic regarding this scheme.

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

Before making any type of 3rd party insurance claim in Singapore, or actually throughout the globe, ensure that the third party’s mistake is confirmed by the police report. You can still send your automobile for fixing even if the third party’s obligation has not yet been verified, yet you will have to pay for the fixings upfront. The following mini-guide will certainly reveal you step-by-step how to make a third party insurance claim in Singapore:

Action 1: Obtain all appropriate information

After the crash, exchange details of included parties including:

  1. Full Name
  2. NRIC/ FIN
  3. Phone number
  4. Address
  5. The Insurer and also the plan number
  6. You’ll need this details for the report as well as to file a claim to the 3rd party’s insurance firm

Action 2: Photograph every little thing

Accumulate as numerous items of evidence as feasible to sustain your claim. Take photos of your auto’s damage, various other automobiles associated with the accident, and also the accident environments. You might likewise take video footage and also try to obtain witness testimonies.

Action 3: Report the mishap to your insurance company

In Singapore, you are lawfully required to report ALL motor crashes within 24 hrs of its event or the next functioning day. Also mishaps with small or no auto damage, or situations where you wish to settle without making a 3rd party insurance claim, must be reported. Call your insurer to send you a hauling vehicle if needed, and also ask any further inquiries you may have. There’s no excuse for not reporting an auto accident, as it is currently necessary for every motor insurance provider in Singapore to have a 24 hours hotline offered. You can also report a crash in among the insurer’s Approved Reporting Centers.

Not reporting the accident may lead to:

  • Loss of your No Claims Discount upon your policy’s revival time.
  • The insurance firm decreasing/ cancelling your plan revival.
  • The insurance company rejecting to repay your claim because you have actually breached a policy condition by stopping working to report the accident. That suggests you would have to pay out of pocket for your very own cars and truck fixing expenses as well as any type of extra third party cases.

Tip 4: Arrange with the 3rd party’s insurance provider for pre-repair examination

Call the 3rd party’s insurance company and let them evaluate your vehicle’s damage before sending it for repair. The third party’s insurer has two functioning days to execute the pre-repair examination after you have called them. You can not begin your car’s repair work process until the pre-repair evaluation is full, or until the third party insurance company has actually forgoed the right to the examination. Learn more about pre-repair evaluation requirements right here.

Relying on whether the fault of the other chauffeur is currently confirmed or not, you might choose two different alternatives for filling the claim

You can bring your car to the third party insurance firm’s Approved Reporting Center/ Authorized Workshop as well as make the required repair work there if the other motorist’s mistake is established.

You can ask your own insurance company’s APR to assist you communicate with the third party insurance company in your name if the responsibility for the mishap has not yet been validated.

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

After the examination is finished, as well as you have gotten a fixing estimate expense, you can wage the repair services. {Most likely you would certainly have to clear up ahead of time the cost for the repairs with the workshop directly if the 3rd party’s responsibility has not been confirmed yet.|Most most likely you would certainly have to work out ahead of time the fee for the repair services with the workshop directly if the third party’s liability has not been verified.|If the third party’s responsibility has actually not been verified yet, most likely you would have to work out ahead of time the charge for the fixings with the workshop directly.

If you have a police report that clearly specifies the other vehicle driver’s fault in the accident, and also that you concurred with the third party’s insurance company on the repair service expenses and also payment, you may continue with the fixings without the need to pay upfront. The workshop will submit your claim versus the 3rd party’s insurance for you, presuming all papers remain in location.

What happens if I have a conflict with the third party insurance firm?

On the occasion that you experience a disagreement when submitting a How To File 3rd Party Insurance Claim in Singapore, you can get in touch with Financial Industry Disputes Resolution Centre Ltd (FIDReC) by calling 6327 8878, or be emailing info@fidrec.com.sg. Please keep in mind to provide the FIDReC with all details pertinent to your grievance, including: your name, get in touch with numbers, the specifics of your grievance, and all supporting files (e.g. correspondence with the 3rd party insurer or cops report).

Before making any third party insurance claim in Singapore, or actually anywhere in the globe, make sure that the third party’s fault is confirmed by the authorities report. Even crashes with small or no auto damage, or scenarios where you desire to resolve without making a third party insurance claim, have to be reported. Contact the third party’s insurance provider and also let them evaluate your auto’s damage before sending it for repair work. The third party’s insurance company has 2 working days to execute the pre-repair evaluation after you have contacted them. You can not begin your cars and truck’s repair service process until the pre-repair examination is full, or up until the third party insurance company has forgoed the right to the investigation. How To File 3rd Party Insurance Claim Choa Chu Kang West