How To File 3rd Party Insurance Claim King\’s Road

third party claim

How To File 3rd Party Insurance Claim King\’s Road

Third party insurance is the most fundamental type of insurance that all automobile owners in Singapore have to possess. It covers the vehicle driver’s liability in case his/her mistake in the mishap is validated, and also covers the expenses of 3rd party bodily injury as well as residential or commercial property damages. You can discover thorough details concerning 3rd party insurance in Singapore by visiting its dedicated web page on our web site here.

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What is the Motor Claims Framework (MCF)?

The MCF is a set of procedures that vehicle drivers need to comply with when reporting motor accidents in Singapore. In a nutshell, after a collision, you ought to collect information from other vehicle drivers associated with the accident, take photos of the event, then call an insurance provider to report the accident. The last action is to bring the auto to among the insurance firm’s licensed repair work workshop for automobile evaluation– despite if any type of damages to the car has actually occurred or not. The MCF also implies that all accidents must be reported, and also by not abiding by those regulations, you risk being fined. To figure out more regarding the MCF, go here to check out an infographic concerning this plan.

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

Before making any kind of 3rd party insurance claim in Singapore, or in fact anywhere in the world, see to it that the 3rd party’s fault is confirmed by the authorities record. You can still send your vehicle for fixing even if the 3rd party’s liability has not yet been verified, however you will need to pay for the fixings ahead of time. The adhering to mini-guide will reveal you detailed just how to make a 3rd party insurance claim in Singapore:

Action 1: Obtain all relevant info

After the accident, exchange details of entailed events 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 info for the record and also to sue to the 3rd party’s insurance firm

Step 2: Photograph every little thing

Accumulate as lots of pieces of proof as possible to support your claim. Take pictures of your vehicle’s damage, various other cars involved in the accident, and also the accident surroundings. You might also take video footage and also attempt to acquire witness statements.

Action 3: Report the accident to your insurer

In Singapore, you are lawfully obliged to report ALL motor crashes within 24 hrs of its incident or the next working day. Also mishaps with small or no car damage, or scenarios where you wish to settle without making a 3rd party insurance claim, have to be reported. Call your insurance firm to send you a lugging truck if necessary, and also ask any type of additional concerns you may have. There’s no excuse for not reporting an auto accident, as it is now necessary for every single electric motor insurer in Singapore to have a 24 hours hotline offered. You can additionally report a crash in one of the insurance firm’s Approved Reporting Centers.

Not reporting the accident might result in:

  • Loss of your No Claims Discount upon your plan’s renewal time.
  • The insurance provider decreasing/ cancelling your plan revival.
  • The insurance company rejecting to repay your claim because you have breached a policy problem by stopping working to report the mishap. That suggests you would need to pay of pocket for your very own automobile repair expenses and also any kind of extra third party cases.

Tip 4: Arrange with the third party’s insurance provider for pre-repair evaluation

Call the third party’s insurance company as well as let them examine your car’s damage before sending it for repair service. You can not begin your auto’s fixing procedure up until the pre-repair assessment is full, or up until the third party insurer has actually waived the right to the investigation.

Depending upon whether the fault of the other chauffeur is currently validated or otherwise, you might choose 2 different alternatives for loading the claim

If the other vehicle driver’s mistake is developed, you can bring your vehicle to the third party insurer’s Approved Reporting Center/ Authorized Workshop and make the needed fixings there.

If the responsibility for the mishap has actually not yet been validated, you can ask your own insurance provider’s APR to assist you liaise with the 3rd party insurance company in your name.

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

After the evaluation is ended up, and you have received a repair service quote expense, you can proceed with the repair work. {Probably you would certainly have to settle ahead of time the charge for the repairs with the workshop straight if the third party’s liability has not been verified yet.|Most most likely you would have to settle in advance the fee for the fixings with the workshop directly if the third party’s responsibility has not been confirmed.|If the third party’s obligation has actually not been validated yet, most likely you would certainly have to work out in advance the charge for the repairs with the workshop straight.

If you have a police report that plainly specifies the other chauffeur’s mistake in the accident, and also that you agreed with the third party’s insurance firm on the repair prices and compensation, you might proceed with the repair work without the requirement to pay upfront. The workshop will send your claim versus the third party’s insurance for you, thinking all files remain in place.

Suppose I have a dispute with the third party insurer?

In the event that you experience a conflict when filing 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 Please keep in mind to give the FIDReC with all information pertinent to your grievance, consisting of: your name, contact numbers, the specifics of your complaint, and all supporting files (e.g. correspondence with the 3rd party insurance firm or cops record).

Prior to making any kind of third party insurance claim in Singapore, or in fact anywhere in the globe, make certain that the third party’s mistake is validated by the police record. Even accidents with small or no auto damage, or circumstances where you desire to resolve without making a third party insurance claim, must be reported. Contact the third party’s insurance firm as well as let them check your auto’s damage prior to sending it for fixing. The third party’s insurance provider has 2 functioning days to execute the pre-repair evaluation after you have called them. You can not start your cars and truck’s repair service process until the pre-repair examination is complete, or until the third party insurer has forgoed the right to the examination. How To File 3rd Party Insurance Claim King\’s Road