Steps to take when involved in an accident

Anyone involve in a road accident, will be stressed. It is even more stressful when one faced a motorist of no integrity. In all situation, just report the truth and leave it to Income to handle the matter. We always believe our insured are people of integirty.

Just to keep you updated if I happen to be not able to respond promptly.

In case of any accident, first, stay COOL.

Send car to the Independent Accessment Center ( IDAC ).

If you are able to have the third party to sign a note of liability, by all means do it, if third party is at fault. But if yourself is at fault, unless u are 100% sure and asked to do the same, use your WISDOM. Especially when case is 50-50, and third party is unreasonable, leave the matter to Income and ask them to initiate claim action. DO NOT SIGN OVER ANY LIABILITY, IT IS NOT COMPULSORY TO SIGN THE FORM ON THE SPOT.

Following are few situations you may want to take note. Though in all situations, we prefer that you leave the claim to NTUC Income to handle.

If it is third party at fault, we can refer our panel of workshop to assist you to claim against third party. Just send car to IDAC . If you are at fault, proceed to IDAC by calling 67886616.

Summary
1. Your Fault. Don't worry about lost of NCD, sometime if repair claim is low, can reimburse and keep the NCD, this I can help you later after the case is settled.
Just send the car to IDAC for accident reporting and Income will refer a workshop to repair for you.Leave the claim to Income.Call our hotline 67886616 for assistance

2. If it is third party fault. Again send car to IDAC and we will refer our panel workshop to assist in claim or you can find a workshop of your choice to file a third party claim for you. Unless you have friend who can claim for you and 100% not at fault, you may want to use your prefered workshop to handle the claim against third party.

3. Unsure of liability, meaning do not know who's fault it is. Contact our hotline 67886616 and proceed to IDAC and leave the matter to Income to handle.

4. Met with unreasonable driver. Sometime you may think that the matter is low in cost to settle and if it is your fault and wish to compensate third party.
IMPORTANT - PRIVATE SETTLEMENT, ask third party to sign the private settlement note provided to void you of liability and fax me a copy to be filed with Income,after both agree on private settlement. This is to prevent third party to bite back unscrupulously again later. With the agreement signed, Income will not entertain the claim. If you meet an unreasonable, high demanding road bully,don't talk too much with him/her, leave them to claim your insurance and inform Income of possible fraudulent claim, this you can send me an email and I will liaise with my claims officer and we will await third party claim. And if claim is inflated, we may need your assistance to dispute the claim by showing you photos of damage claims submitted. Any other complication, please do not hesitate to contact me. This is just some information as many were quite worried and stressed in such situation.In every situation, there is always a solution, so stay COOL and remember ME.

5. For third party claim against YOU, sometime a WRIT OF SUMMON is hand delivered to your home as if third party is sueing you in court, DO NOT PANIC, this is to be submitted to Income General Insurance Claims Department, and we will engage our lawyer to handle if it is not your fault.Send such writ of summons to us and stay COOL.

Happy Driving.