car accident with FT

[iScoupe]

Re: car accident with FT

police bo lang injured, bo lang see, bo chiap one... write statement only.


Company vehicle insurance is more expensive than normal car e.g. rental company
Can claim one. Unless they never insured as "any driver" or specific driver which this case not the abnn.

 

[MapleLeaf]

Re: car accident with FT

In accidents with no personal injury, no govt property involved, the other party can even refused to give you his particulars.

The onus is on you to to trace the details via his vehicle registration number.

 

[wander1110]

Re: car accident with FT

my friend just got into an accident yesterday with an Abu neh neh FT driver.. cut the long story short, abnn beat the red light and whack into my friend's car (similar to felali incident) but god bless only hit the bonnet, passengers only suffer slight bruising and trauma. the car went into the workshop and was declared deceased.

...
FT

yes police was called and ambulance came as well.. However the police dismissed the accident as a minor accident BECAUSE there was nobody conveyed to the hospital via the ambulance, only got people mati then is their pasar..ask driver seek insurance claims.. they only came to direct the traffic and sweep the debris.. they kept a broom standby in their car boot! :shock:

Seems not right according to my experience. My wife was hit from behind by a taxi in April. No visible injuries, she just complained of slightly chest pain (due to seat belt I think). The ambulance took her to the hospital straightaway. Police came in later to take picture, investigated the scene, etc. 1 month later they mailed us the report blaming the taxi driver and said action would be taken against him.

Last month, my car camera recorded an accident, which I emailed to SPF. They assigned an officer to investigate. She managed to contact the insurance company of the car affected (although this car plate can't be seen in the video), and forwarded them the video for reference if claim arise. She emailed to inform me the investigation result as above (with details such as car plate number and insurance company name, etc,. after around 1 month too).

 

[MW]

Re: car accident with FT

Wah police now so efficient!

 

[Red_Bean_Bun]

Re: car accident with FT

I thought you need insurance to drive ? Even for FTs.

my friend just got into an accident yesterday with an Abu neh neh FT driver.. cut the long story short, abnn beat the red light and whack into my friend's car (similar to felali incident) but god bless only hit the bonnet, passengers only suffer slight bruising and trauma. the car went into the workshop and was declared deceased.

now my friend wants to claim the abnn company for the damages but was told he could not do so as the abnn is just an employee and is not a designated driver. so basically the abnn and his company walk away without having to compensate in any form. the only way is to sue the company for the damages..

there are more and more FT driving on the road and if this situation applies, what are the insurances covering? i kanna langa but i cannot claim the FT who langa me or the company that the car/ lorry registered to? i only can claim my own insurance company and increase my premiums?

any advices from the bros and sis from the forum and if anyone experience this before?

FT

 

[Red_Bean_Bun]

Re: car accident with FT

i also agree that company should be held responsible, but through insurance means or self employed legal means? if insurance company say cannot claim... or shd F own insurance company?

I think insurance companies only go for it when they are confident of winning.

 

[canuck78]

Re: car accident with FT

Hi bro,

In any accident, both parties do have the right to establish the other driver's identity, as the driver of the vehicle and who own the vehicle are two separate matters.

In accidents with no personal injury, no govt property involved, the other party can even refused to give you his particulars.

The onus is on you to to trace the details via his vehicle registration number.

 

[canuck78]

Re: car accident with FT

Hi bro,

Any accident that require the insured party to be admitted into hospital, is considered medical injuries which the insurance co have to cover.

Based on what we all know, any incident involved the back of our car, usually lies on the rear ender's fault i.e. failure to keep a proper distance.

However, for the front part of our car, there are two absolute nightmare scenarios that i come to know where being insured is like having no insurance protection, esp for those that ultra expensive or expensive to repair cars.

(i) getting hit by those FT esp lorries, like the abnn above, in the event the co claim he is not authorized to drive / disclaim liability, his low wage will not cover your repairs, so even you sue him to bankruptcy will not be worthwhile; and

(ii) getting hit by a drunk driver

You guys can refer to this thread I read a while back a GTR that got hit by a drunk driver, and basically the other party insurance company is able to disclaim any liability on the policy based on "drunk driver clause". I think one of the thread poster in there shared quite a lot of insight as to how our local insurance co operates.

Hit by drunk driver last night - NAGTROC - The Nissan GT-R Owners Club

For most other cases involving locals, expats, more well to do types... whether taxis or private cars, i think the insurance firms will still settle it amongst themselves somehow, abeit not always to your advantage, even if you are not at fault unless you have irrefutable evidence, e.g. video coverage.

Otherwise, you still have to engage your own lawyers to claim against the other party, in which case you hope they have the means to pay for your repairs caused.

Think i better go install my car cam soon !

Seems not right according to my experience. My wife was hit from behind by a taxi in April. No visible injuries, she just complained of slightly chest pain (due to seat belt I think). The ambulance took her to the hospital straightaway. Police came in later to take picture, investigated the scene, etc. 1 month later they mailed us the report blaming the taxi driver and said action would be taken against him.

Last month, my car camera recorded an accident, which I emailed to SPF. They assigned an officer to investigate. She managed to contact the insurance company of the car affected (although this car plate can't be seen in the video), and forwarded them the video for reference if claim arise. She emailed to inform me the investigation result as above (with details such as car plate number and insurance company name, etc,. after around 1 month too).

 

[MapleLeaf]

Re: car accident with FT

Hi bro,

In any accident, both parties do have the right to establish the other driver's identity, as the driver of the vehicle and who own the vehicle are two separate matters.

Nope. I was the witness at the accident involving FT: http://www.bmw-sg.com/forums/lounge/65989-prc-ft-tried-hit-run.html

Police were called in because the scene was getting ugly.

FT refused to give personal details and police told us he (FT driver) has the right not to give. He eventually gave details to police and police also cannot give us the details citing confidentiality.

 

[jay9526]

Re: car accident with FT

There was an article recently on the newspaper that some insurance companies will not cover drivers who are holding work permits even though they are having the Singapore driving license. If this is the case, you can only go after the company and not the insurer.

 

[canuck78]

Re: car accident with FT

The key is that you still locked in the FT details, abeit indirectly with the police.

I think locals will be willing to exchange NRIC, but FT and maybe some others, you got to do what it takes to establish their identity.

In the event the insurer refuse to honor their liability, and you have to sue the person in question behind the wheel directly.

Geez... it's such a hassle isn't it.

Nope. I was the witness at the accident involving FT: http://www.bmw-sg.com/forums/lounge/65989-prc-ft-tried-hit-run.html

Police were called in because the scene was getting ugly.

FT refused to give personal details and police told us he (FT driver) has the right not to give. He eventually gave details to police and police also cannot give us the details citing confidentiality.

 

[Eastmints]

Re: car accident with FT

The key is that you still locked in the FT details, abeit indirectly with the police.

I think locals will be willing to exchange NRIC, but FT and maybe some others, you got to do what it takes to establish their identity.

In the event the insurer refuse to honor their liability, and you have to sue the person in question behind the wheel directly.

Geez... it's such a hassle isn't it.

So avoid lorry with FT behind the wheels at all cost.

 

[detach8]

Re: car accident with FT

Wow. let me quote the GTR forum:

Keep us posted on how it turns out with the insurance co.

Its very likely that you are going to have to claim on your own insurance and lose your no claim bonus as a result.

If the other party has been arrested for drink driving (police would have breathalyzed him on the spot and taken him into hospital for a blood alcohol test to confirm reading) his insurer will disclaim all liability for third party claims. His insurer cannot however walk away from injury claims. You should have called an ambulance and gone into hospital with them. If you did not then go into hospital asap, within 48 hours, get a medical and iirc medical leave of at least 3-4 days. Then file a claim against his insurer for injury.

For damage to your car i can almost guarantee that his insurer will walk on any claim you make against them. Drink driving voids your policy. In Spore, under such circumstances, insurance cos are allowed legally to walk on 3rd party property claims but not on injury claims. You will have to claim against your own policy and then sue him for the cost of repairs (and then reimburse your insurer to reinstate your no claim bonus). After your claim your premiums upon renewal are going to skyrocket.

THAT SUCKS, WHY THE FUG DO I PAY SO MUCH INSURANCE FOR THEN?
My premium for my car far exceeds that of my life insurance.

 

[zhenlie]

Re: car accident with FT

precisely, why do we claim our insurance when it aint our fault... sucks...

 

[hitmee]

Re: car accident with FT

Buy insurance for ur ncb.........

 

[avionics]

Re: car accident with FT

Everybody should invest in car black box.. So scary for us SG drivers now..

 

[Murry17]

I know this is quite an old thread, however something similar happened with my cousin. His claim got denied as the report got filed after 24 hours. Though he had worked for a DUI attorney Los Angeles, still he couldn’t do much here as laws are quite different.