How To Submit A Third Party Insurance Claim In Singapore - AllCarIndex
Third party insurance is insurance that covers the other driver in an accident where you are deemed to be at fault. It is mandatory that you have this type of coverage, as driving without it is illegal. When you get into an accident, it is important that you do not submit a claim like this until the police have determined that the other person is at fault for the accident. Here is how you can submit a claim for third party insurance in Singapore.
Collect All Relevant Information
The first thing that you need to do when involved in a car accident is obtain all the necessary information of the other driver. This means getting their license, addresses, phone numbers, their insurance policy and number, their full name, and their NRIC or FIN. Those two numbers are unique to Singapore citizens. All of this information is necessary for making a car insurance claim in Singapore. Without it, you will struggle to identify the other driver and be able to file your claim.
Photographs
The next step is to take as many photographs at the scene of the accident as possible. Take photos of your car and take photos of theirs. It is a common insurance scam where people get into a minor accident and then ruin their car several hours later and claim it was damaged during the accident. With photos, there is no question about what condition the car is in, therefore allowing you to make accurate statements that are backed by visible evidence.
Report the Accident
The next thing you should do if you are looking to file a claim is that you should report the accident. Once again, this is a legal obligation in Singapore and it must be reported within 24 hours. The hotline is always available so you can call at any point in the day. Along with that, call up your insurance and inform them that you have been in an accident as well. Just like with accident reporting, this has to be done within 24 hours.
Meet With the Other's Insurance
Since third party insurance covers the other driver, you will have to meet with their insurance to discuss the damage and what happened. Providing they are at fault, that insurance company will be covering your car and paying for all the repairs. They will inspect the car and begin to get all the paperwork necessary. Do not take your car into repairs until all of this has been done.
Get the Repairs
Once it has been deemed the other party's at fault, you can now take it to the shop to get repairs. In most situations, you have to pay for the repairs yourself and then you will be reimbursed for what you spent later. This does not mean you can overspend however. The insurance company will have an estimate of how much your repairs will cost. If you go over that, they will not pay.
These are all things that are necessary for filing a claim and following up with it in Singapore. Getting into a car accident can be a very stressful time so it is important that you know what to do when it happens.