Bros out there pls help accident b4 CNY

[RaptureM3]

Re: Bros out there pls help accident b4 CNY

alamak.. SWC famous for claims should have towed there

haha..

don't worry.............

can claim the exhaust + bumper + everything

i was running illegal titanium exhaust.. kena whack by kancil ..... i claimed a brand new titanium exhaust..

all i did was provide his insurance company with the invoice of my exhaust when i bought it.

they'll take ages to pay tho.

good luck

 

[edlms]

Re: Bros out there pls help accident b4 CNY

in my previous life, i did quite a few of these claims.
the advice given above is correct.

claim own insurers, stock parts.
claim other insurers, make good the current state, whether modded or not. it's not for the insurance company to determine legality or even presence of the mods. eg if you had an expensive watch in the boot which was damaged in the accident, you should be able to claim that as well.

that's why 3rd party insurance is compulsory.
however, the insurer's surveyor surveying your damage is important cos he decides the value of your damage. make sure you have your receipts and try to be present when he surveys your car. don't be a nuisance to him though.

other than that, you ought to make sure your claim is 100% liability on the other party. as mentioned above, independent witness statements will be extremely useful, as a lot of people will alter their versions to reduce their liability.

from experience, you will not be able to recover 100% of the value of your mods (even after discounting the depreciation). Typically, your claim will reflect the value as perceived by you (eg $1000) and the surveyor will estimate the value to be less (eg $800).

As this claim will likely be settled out of court (or in the event it goes to court, during mediation) chances are, you will get the average of the 2 values ie $900. Main reason for this is the hassle of moving forward with the claim in court or to trial.

Did you have any injuries? Typically, whiplash occurs within 24 to 48 hours after an accident. (hint hint). Personal injuries of this nature, depending on your job, will pay out anywhere between $5k to $20k. See a doctor if you or your passengers feel any pain...

Cheers.

 

[totoseow]

Re: Bros out there pls help accident b4 CNY

i go to mike..n he solves everything...mod parts..no problem.

 

[Jadis]

Re: Bros out there pls help accident b4 CNY

I had a third party claim before. I was travelling along AYE toward jurong. At around Clementi one pick up from opposite went over the divider and hit my car. I rented a 5 series ( advice from my lawyer to rent a equivalent car ) and took about 2 months to repair as some parts need to indent. all in about $11000 (including the car rental fees almost $7000). You know the insurance offered me $3500 to settle the case. In the end just before the trial at high court, they paid me full but took about 3-4 years.

 

[e92alvin]

Re: Bros out there pls help accident b4 CNY

making claim from NUTC is usually quite troublesome, you really need a old bird to deal with them.. especially with all your mods.

 

[Terry]

Re: Bros out there pls help accident b4 CNY

i go to mike..n he solves everything...mod parts..no problem.

mike is the best....

 

[84K]

Re: Bros out there pls help accident b4 CNY

Thanks everyone for the advice.. I went to mike place today and had everything done, the only bad thing is that i can only collect my car end of feb...

 

[///M3]

Re: Bros out there pls help accident b4 CNY

wow..1 month wait..that sucks. but good thing u can get everything done.
happy cny!

post pics of ur car after its done. interested t0 see ur car.

 

[Terry]

Re: Bros out there pls help accident b4 CNY

Thanks everyone for the advice.. I went to mike place today and had everything done, the only bad thing is that i can only collect my car end of feb...

there is no better place than mike's SWC

 

[totoseow]

Re: Bros out there pls help accident b4 CNY

there is no better place than mike's SWC

knn terry u sound like vacuum cleaner sales man from electrolux, rainbow...

go sell mee huey la..

 

[Renyu]

Re: Bros out there pls help accident b4 CNY

saw ur ride at Mike's place today. seems like ur getting a kerscher kit replacement instead of a m5 right? its freaking nice.
kerscher + eisenmann QUAD exhaust = :woowooo:

anyway, is mike gonna change a new eisenmann exhaust for you?
sell me ur old one cheap cheap! haha

 

[MapleLeaf]

Re: Bros out there pls help accident b4 CNY

If it is not your fault (and usually bang from behind = not your fault) and you are claiming from the other party, you can also claim for car rental.

 

[84K]

Re: Bros out there pls help accident b4 CNY

saw ur ride at Mike's place today. seems like ur getting a kerscher kit replacement instead of a m5 right? its freaking nice.
kerscher + eisenmann QUAD exhaust = :woowooo:

anyway, is mike gonna change a new eisenmann exhaust for you?
sell me ur old one cheap cheap! haha

Na he is not going to change the exhaust for me if i want the full kerscher kit.. hehe. so maybe i will just change the tip of my exhaust to the new carbon eisenmann tip. bcoz anyway my exhaust is fine only the tip abit out of shape.. btw is it a good idea?

 

[centurion]

Re: Bros out there pls help accident b4 CNY

If you are claiming your own insurance, accessories or aftermarket part added that are not listed in your premium quoted then, no go.

But if its claim against another party, I believe it will have to reinstate whatever part they damage.

+1

And, get a lawyer, for god's sake. This is a 3rd party claim. It's more complicated than claiming your own insurance.

And lissen to edlms .... though I think he not so dirty.

 

[centurion]

Re: Bros out there pls help accident b4 CNY

So put simply, if you are claiming against the taxi's insurance policy, the company covering the taxi will survey your damages - you will be at their mercy, whether they allow after-market parts to be replaced.

Now, there are two issues for you to seek advice from your own agent:

(1) Can these parts be replaced at full costs by the taxi's company?
(2) Will the insurance company find fault with a part that is not LTA compliant?

You are never at anybody's mercy. This is Singapore. They have dirty bugger you also can hire your own dirty bugger. Get a lawyer.

Insurance company will not need to further illegality. Non LTA compliant parts may not need to be reinstated. Full costs - yes, but you gotta get a lawyer. By yourself you kenna screwed.

I'm going offline, anybody need a lawyer in addition to other people's recommendation of friend/relative/use before lawyer, pls ask Bentai (the guy whose cab got accident in NSH) for a insurance specialist, I PM him before. Yes, for insurance you need a specialist to be really dirty enough.

 

[edlms]

Re: Bros out there pls help accident b4 CNY

+1

And, get a lawyer, for god's sake. This is a 3rd party claim. It's more complicated than claiming your own insurance.

And lissen to edlms .... though I think he not so dirty.

ha ha... good call.

it is complicated. if you do want to go down the route of making your own claim, either personally or through the workshop and not your insurer, then things get more interesting.

i'll try to explain briefly the process first without the complication of illegal mods or personal injury.

Option one, make a claim through your own insurer, they will settle your claim, then go against the insurer of the taxi. your no-claim bonus will be affected to some degree even though the accident not your fault.

option two, make your own claim through your workshop. workshops will usually "finance" your claim. ie pay for the repairs and instruct their panel of lawyers. they would be reimbursed and paid when the claim is resolved. no or little out of pocket expenses for you and hassle free (to a certain extent only) this is known as a subrogated claim. ie the workshop steps into your shoes to make the claim on your behalf due to the fact that he bears the risk of assuming liability for repairs and related costs.

option three, make the claim personally, usually through a lawyer. you'd have to pay for the repairs in full, then claim against the taxi. risk on your part cos you may have to settle for less than you paid for the repairs. to me this option is a no no.

it seems that you have chosen option 2.

which brings us to the issue of illegal mods, touch-and-go. contrary to what i wrote above, which is the basic position, there is a possibility of the surveyor refusing to accept the illegal exhaust system.

your workshop will usually appoint their own "independent" surveyor to asses the value of the repairs and parts before submitting to insurers for your claim (let's call it survey report 1- SR1). SR1 will be considered by the taxi's insurers and if they are dissatisfied will the claim, the will appoint their own surveyor to do SR2.

that's where my above analogy of the average of 2 claims comes in.

the 2 surveyors will usually be known competitors and collaboration between the two will not usually be easy or possible. there is also a "list" of illegal mods.

therefore, your workshop will have to be both "experienced" and "dirty" (or do they mean the same thing in this context) when making the claim. there are creative ways of recovering your money including justifiably inflating repair costs, part prices, labour charges, even costs of engaging professionals etc. but please try to be aware of what's going on cos you do not want to be involved in insurance "scams".

NOTE - IT IS NOT OVER. if the workshop cannot settle the claim (or recover less than the repairs), you may either be asked to top up the repair costs or asked to commence legal action. That's when the real hassle starts. Won't go into for now but feel free to PM me if you need to know.

i've touched briefly on the main issues - there are lots more... Did you sign any document with the workshop?

as centurion says - it's complicated.

cheers.

 

[edlms]

Re: Bros out there pls help accident b4 CNY

+1

And, get a lawyer, for god's sake. This is a 3rd party claim. It's more complicated than claiming your own insurance.

And lissen to edlms .... though I think he not so dirty.

ha ha... good call.

it is complicated. if you do want to go down the route of making your own claim, either personally or through the workshop and not your insurer, then things get more interesting.

i'll try to explain briefly the process first without the complication of illegal mods or personal injury.

Option one, make a claim through your own insurer, they will settle your claim, then go against the insurer of the taxi. your no-claim bonus will be affected to some degree even though the accident not your fault.

option two, make your own claim through your workshop. workshops will usually "finance" your claim. ie pay for the repairs and instruct their panel of lawyers. they would be reimbursed and paid when the claim is resolved. no or little out of pocket expenses for you and hassle free (to a certain extent only) this is known as a subrogated claim. ie the workshop steps into your shoes to make the claim on your behalf due to the fact that he bears the risk of assuming liability for repairs and related costs.

option three, make the claim personally, usually through a lawyer. you'd have to pay for the repairs in full, then claim against the taxi. risk on your part cos you may have to settle for less than you paid for the repairs.

it seems that you have chosen option 2.

which brings us to the issue of illegal mods, touch-and-go. contrary to what i wrote above, which is the basic position, there is a possibility of the surveyor refusing to accept the illegal exhaust system.

your workshop will usually appoint their own "independent" surveyor to asses the value of the repairs and parts before submitting to insurers for your claim (let's call it survey report 1- SR1). SR1 will be considered by the taxi's insurers and if they are dissatisfied will the claim, the will appoint their own surveyor to do SR2.

that's where my above analogy of the average of 2 claims comes in.

the 2 surveyors will usually be known competitors and collaboration between the two will not usually be easy or possible. there is also a "list" of illegal mods.

therefore, your workshop will have to be both "experienced" and "dirty" (or do they mean the same thing in this context) when making the claim. there are creative ways of recovering your money including justifiably inflating repair costs, part prices, labour charges, even costs of engaging professionals etc. but please try to be aware of what's going on cos you do not want to be involved in insurance "scams".

NOTE - IT IS NOT OVER. if the workshop cannot settle the claim (or recover less than the repairs), you may either be asked to top up the repair costs or asked to commence legal action. That's when the real hassle starts. Won't go into for now but feel free to PM me if you need to know.

i've touched briefly on the main issues - there are lots more... Did you sign any document with the workshop?

as centurion says - it's complicated.

cheers.

 

[84K]

Re: Bros out there pls help accident b4 CNY

ha ha... good call.

it is complicated. if you do want to go down the route of making your own claim, either personally or through the workshop and not your insurer, then things get more interesting.

i'll try to explain briefly the process first without the complication of illegal mods or personal injury.

Option one, make a claim through your own insurer, they will settle your claim, then go against the insurer of the taxi. your no-claim bonus will be affected to some degree even though the accident not your fault.

option two, make your own claim through your workshop. workshops will usually "finance" your claim. ie pay for the repairs and instruct their panel of lawyers. they would be reimbursed and paid when the claim is resolved. no or little out of pocket expenses for you and hassle free (to a certain extent only) this is known as a subrogated claim. ie the workshop steps into your shoes to make the claim on your behalf due to the fact that he bears the risk of assuming liability for repairs and related costs.

option three, make the claim personally, usually through a lawyer. you'd have to pay for the repairs in full, then claim against the taxi. risk on your part cos you may have to settle for less than you paid for the repairs.

it seems that you have chosen option 2.

which brings us to the issue of illegal mods, touch-and-go. contrary to what i wrote above, which is the basic position, there is a possibility of the surveyor refusing to accept the illegal exhaust system.

your workshop will usually appoint their own "independent" surveyor to asses the value of the repairs and parts before submitting to insurers for your claim (let's call it survey report 1- SR1). SR1 will be considered by the taxi's insurers and if they are dissatisfied will the claim, the will appoint their own surveyor to do SR2.

that's where my above analogy of the average of 2 claims comes in.

the 2 surveyors will usually be known competitors and collaboration between the two will not usually be easy or possible. there is also a "list" of illegal mods.

therefore, your workshop will have to be both "experienced" and "dirty" (or do they mean the same thing in this context) when making the claim. there are creative ways of recovering your money including justifiably inflating repair costs, part prices, labour charges, even costs of engaging professionals etc. but please try to be aware of what's going on cos you do not want to be involved in insurance "scams".

NOTE - IT IS NOT OVER. if the workshop cannot settle the claim (or recover less than the repairs), you may either be asked to top up the repair costs or asked to commence legal action. That's when the real hassle starts. Won't go into for now but feel free to PM me if you need to know.

i've touched briefly on the main issues - there are lots more... Did you sign any document with the workshop?

as centurion says - it's complicated.

cheers.

No i did not.

 

[edlms]

Re: Bros out there pls help accident b4 CNY

+1

And, get a lawyer, for god's sake. This is a 3rd party claim. It's more complicated than claiming your own insurance.

And lissen to edlms .... though I think he not so dirty.

ha ha... good call.

it is complicated. if you do want to go down the route of making your own claim, either personally or through the workshop and not your insurer, then things get more interesting.

i'll try to explain briefly the process first without the complication of illegal mods or personal injury.

Option one, make a claim through your own insurer, they will settle your claim, then go against the insurer of the taxi. your no-claim bonus will be affected to some degree even though the accident not your fault.

option two, make your own claim through your workshop. workshops will usually "finance" your claim. ie pay for the repairs and instruct their panel of lawyers. they would be reimbursed and paid when the claim is resolved. no or little out of pocket expenses for you and hassle free (to a certain extent only) this is known as a subrogated claim. ie the workshop steps into your shoes to make the claim on your behalf due to the fact that he bears the risk of assuming liability for repairs and related costs.

option three, make the claim personally, usually through a lawyer. you'd have to pay for the repairs in full, then claim against the taxi. risk on your part cos you may have to settle for less than you paid for the repairs.

it seems that you have chosen option 2.

which brings us to the issue of illegal mods, touch-and-go. contrary to what i wrote above, which is the basic position, there is a possibility of the surveyor refusing to accept the illegal exhaust system.

your workshop will usually appoint their own "independent" surveyor to asses the value of the repairs and parts before submitting to insurers for your claim (let's call it survey report 1- SR1). SR1 will be considered by the taxi's insurers and if they are dissatisfied will the claim, the will appoint their own surveyor to do SR2.

that's where my above analogy of the average of 2 claims comes in.

the 2 surveyors will usually be known competitors and collaboration between the two will not usually be easy or possible. there is also a "list" of illegal mods.

therefore, your workshop will have to be both "experienced" and "dirty" (or do they mean the same thing in this context) when making the claim. there are creative ways of recovering your money including justifiably inflating repair costs, part prices, labour charges, even costs of engaging professionals etc. but please try to be aware of what's going on cos you do not want to be involved in insurance "scams".

NOTE - IT IS NOT OVER. if the workshop cannot settle the claim (or recover less than the repairs), you may either be asked to top up the repair costs or asked to commence legal action. That's when the real hassle starts. Won't go into for now but feel free to PM me if you need to know.

i've touched briefly on the main issues - there are lots more... Did you sign any document with the workshop?

as centurion says - it's complicated.

cheers.

 

[edlms]

Re: Bros out there pls help accident b4 CNY

sorry about that... website got problem this morning i think...

anyways, try to make sure you have an understanding what is the sum you're claiming for which repairs. it seems that you're also putting in some new things so you'll probably have to top up some monies.

also come to some consensus wrt what happens if you (or the workshop) isn't able to claim in full. will you have to top up? further, it'll cost you some time and effort should this go to court.

btw, as posted above, you can go rent an equivalent car and claim that too. however, be careful of the rates and duration of the rental cos the chinese new year holidays may result in a discount given to this claim.

cheers... happy new year.