In event of an Accident - Do not confront

Read the ST report of an incident between a taxi driver and a motorist today, ending with motorist having serious injury.

I ride a motorcycle and drives, and I am aware of how some arrogant people drives on the road.

As a matured person, we do not challenge them, younger person challenge them and ended up dead. I suspect some young motorcyclist challenged such motorist and ended dead, I have been young once (err...still not too old now ), and cocky young rider before. Thank God I survived to tell the story. Even as an older or rather matured person now, everyday I meet with arrogant driver. One that nearly knock me off the road last year.

Whenever I switch lane, I will lead forward, whether in my car or riding my bike, to clear my blind spot. I am sure not many do this, except for the more careful and experienced drivers.

In event of an accident, CAR REGISTRATION NUMBER is sufficient for reporting, so if the other party fail to co-operate, it is fine, take down car number and report, Insurer will trace them.

Let the insurer do the dirty job of fighting such accident dispute.

Some time end of the day, the other party is so skillful in reporting, you still lost the case, it is okie. Just too bad, the crooks wins. This is why some people thought insurer pays for fun, it is actually skill of the other party's lies.

(For my client)
But for me, if you tell me the truth, I will handle for you with my claims officer. I am always here to resolve as much as I can for you, but I only ask you for one thing, report with integrity. I have assisted in cases where the insured is not very truthful in his reporting.

For the truthful once, I will go all out for you.

So in event of an accident, one must remain COOL, though it can be stressful.

Even if you lost the case, I will try to fight back the NCD for you with my office.

There is no need to confront the other party if that party do not co-operate, REMEMBER there is such thing known as MOTOR INSURANCE and ME !

I have written about what one should do in event of an accident, and I am copying it below this email again.

In event of an accident, some motorist will not want to admit fault, even
if they are at fault, as many do not want to lost their NCD. This is very
selfish and irresponsible.

My advice to my clients that in event of an accident, just take down the
vehicle number and report to IDAC and Ntuc Income will take over the
matter. If that party is willing to co-operate is good.

There is no need to wrestle with the other party if the other party do not
wish to co-operate to give their particulars, just take down car
registration number is enough to make a report at IDAC.

Who say IDAC is not good? This is GOOD.

Leave the liability contest to the insurer, especially when one meet with
unreasonable third party. Do not waste your breath over such people.

They can report the accident from BLACK to WHITE and WHITE to BLACK, this
is immaterial, Ntuc Income will stand by their policyholder to handle the
claim. If our insured is not at fault, Income will defend.

But I always tell my client to report accordingly and I will handle the
matter with my claims officer.

There is no necessity to risk one's life with a road rage.

Subject: Claim Procedure ( What I have written before )

Thank you for insuring with Ntuc Income.

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.

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. If it is your fault.
Your job is just to send the car 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.

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.

For unreasonable, high demanding client, leave him 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 your 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 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.