Another accident

[retiefgoosen]

I was driving along CTE today heading back to work

Came off Moulmein exit and filter to the 3rd lane appropriately

as I was travelling straight soon after filtering in at 40-60kph ( picking up speed)

I was hit from behind by a Honda SUV

 

First thing that shocked me was a bang and the neckpro head restraint pop forward

hitting the occiput area

switched off the car, switched on hazard light and the honda kissed my rear bumper.

 

Woman stepped out said I just cut into her lane. Told her I am already travelling straight.

Then she admittedly said was her fault

 

Didnt know what to do, called my Sales Agent.

Took pictures and exchanged particulars.

 

Sent the car to pandan loop straight away and got it assessed by the body panel guy.

 

Damage

boot lid

Bumper.

Inner cross enforecement beam

estimated repair cost 8-10k and a downtime of 1 week

 

Note to fellow forumer

If ever get into this

1. Get the other party to write it down, black and white to admit they are at the wrong. Verbal is useless when there is an absence of whitness.

2. do not move your car until both parties taken pictures of the scene

 

C&C guy trying to asked me claim against my own insurance whereas my Sales agent said strictly claim against third party

Partly is the easier option for the claiming personel.

 

For courtesey car. have the right to rent a car that is equivalent to your own car and bill it to the other parties insurance

 

lastly, If any medical reason arises, see a doctor and get the bill to submit to the claims

if MC more than 3 days, a police report is required

 

 

I think thats it for now. Will update the case as how the progress fair.

 

 

This is not a rant, I hope my experience will help forum members not to panic and take right actions if accident happens.

 

Drive safe..

 

 

 

[Ah Bui]

You didn't have a camera??? If it's a direct him from behind.... you'll win for sure.... but then again a IVR would have made your case stone casted..... would suggest you get a IVR once your ride ifs fixed....

[MarkCWQ]

Agree except for point 1:

Nobody (at least those who've done accident claims before) will agree to sign black and white to admit their fault on the spot even if you know you're at fault. It's like pleading guilty even before going to trial. Whatever it is, let the two insurance company fight it out. That's what the coverage is for.

Take photo, exchange particulars, submit to your insurance and they will do the rest.

Most importantly, take care and drive safe!

[blackmercs]

Remeber to claim 100% not even 99.9%. All yr expenses will be paid for once she admitted and sign off the paper. Most importantly no one is injured.

[retiefgoosen]

You didn't have a camera??? If it's a direct him from behind.... you'll win for sure.... but then again a IVR would have made your case stone casted..... would suggest you get a IVR once your ride ifs fixed....

 

No wor.....

Didnt like the idea of having a in car camera...like my car to be clinically clean and clutter free

[retiefgoosen]

Remeber to claim 100% not even 99.9%. All yr expenses will be paid for once she admitted and sign off the paper. Most importantly no one is injured.

 

 

Yeah lor...

 

Bo bian....

 

Just if she go and state otherwise on her account, then the insurance will say liabilty not clear... then cannot get full claim and what not.

 

 

Anyway, I am leaving to the hands of the AD to sort it out for me.

 

Mean time, drive the car with a dented bumper

[blackmercs]

Yeah lor...

 

Bo bian....

 

Just if she go and state otherwise on her account, then the insurance will say liabilty not clear... then cannot get full claim and what not.

 

 

Anyway, I am leaving to the hands of the AD to sort it out for me.

 

Mean time, drive the car with a dented bumper

Huh? Yr ride not cover under Chartis? 15 days FOC rented car once u make a claim.

[retiefgoosen]

My ride is AIA insurance under Mercedes Benz.

Yeah, can get a Mercedes courtesey car if I claim my own insurance

 

If I am claiming against third party, then have to depends on what insurance she has.

For instance, if it is AIA/AIG. I will get a Merc

If NTUC: Max is toyota

 

This is what I was told

[daffy]

My ride is AIA insurance under Mercedes Benz.

Yeah, can get a Mercedes courtesey car if I claim my own insurance

 

If I am claiming against third party, then have to depends on what insurance she has.

For instance, if it is AIA/AIG. I will get a Merc

If NTUC: Max is toyota

 

This is what I was told

i always thot its equivalent to what you drive.

imagine you drive a lambo and they gives you an altis? doesnt make sense.....

[MarkCWQ]

i always thot its equivalent to what you drive.

imagine you drive a lambo and they gives you an altis? doesnt make sense.....

Or worse, QQ?

[retiefgoosen]

pandan loop guys told me that

[zjared]

My ride is AIA insurance under Mercedes Benz.

Yeah, can get a Mercedes courtesey car if I claim my own insurance

 

If I am claiming against third party, then have to depends on what insurance she has.

For instance, if it is AIA/AIG. I will get a Merc

If NTUC: Max is toyota

 

This is what I was told

 

U can reject!!!!

[Jarebbsg]

i always thot its equivalent to what you drive.

imagine you drive a lambo and they gives you an altis? doesnt make sense.....

lambo lang ga replacement car wont be lambo la.....usually is an executive saloon.

Sometimes equilalent may be engine capacity or cabin capacity.

But again....usually heart already half sian when kana accident.

[Jarebbsg]

My ride is AIA insurance under Mercedes Benz.

Yeah, can get a Mercedes courtesey car if I claim my own insurance

 

If I am claiming against third party, then have to depends on what insurance she has.

For instance, if it is AIA/AIG. I will get a Merc

If NTUC: Max is toyota

 

This is what I was told

Just remember to claim even your Excess Amount.

 

My 1st accident PandanLoop never do properly...end up i have NCB reduction. lousy....

 

My Mother-in-Law's accident was swee swee done. Excess, Loan Car, NCB all swee swee by pandan loop. Guess my lesson learn is to be more involve during the reporting and claim process. Even its a AD.

[WazzupDad]

I was driving along CTE today heading back to work

Came off Moulmein exit and filter to the 3rd lane appropriately

as I was travelling straight soon after filtering in at 40-60kph ( picking up speed)

I was hit from behind by a Honda SUV

 

First thing that shocked me was a bang and the neckpro head restraint pop forward

hitting the occiput area

switched off the car, switched on hazard light and the honda kissed my rear bumper.

 

Woman stepped out said I just cut into her lane. Told her I am already travelling straight.

Then she admittedly said was her fault

 

Didnt know what to do, called my Sales Agent.

Took pictures and exchanged particulars.

 

Sent the car to pandan loop straight away and got it assessed by the body panel guy.

 

Damage

boot lid

Bumper.

Inner cross enforecement beam

estimated repair cost 8-10k and a downtime of 1 week

 

Note to fellow forumer

If ever get into this

1. Get the other party to write it down, black and white to admit they are at the wrong. Verbal is useless when there is an absence of whitness.

2. do not move your car until both parties taken pictures of the scene

 

C&C guy trying to asked me claim against my own insurance whereas my Sales agent said strictly claim against third party

Partly is the easier option for the claiming personel.

 

For courtesey car. have the right to rent a car that is equivalent to your own car and bill it to the other parties insurance

 

lastly, If any medical reason arises, see a doctor and get the bill to submit to the claims

if MC more than 3 days, a police report is required

 

 

I think thats it for now. Will update the case as how the progress fair.

 

 

This is not a rant, I hope my experience will help forum members not to panic and take right actions if accident happens.

 

Drive safe..

Hopefully nothing serious other than your property damage, bro...

 

I was rear-ended by a 22pax truck while I was stationary at a pedestrian crossing 3 weeks ago. Luckily no workers sitting in the back of the truck or I'm pretty sure they would have been injured. Luckily also the crossing subject had cleared the way or I would have hit him because my ride was pushed almost 1-car length forward. I didn't send to C&C coz they would claim against my insurance first and then assist in the 3rd party claim. Rental car benefit is limited to what my insurance will cover and I will have a temporary loss of NCD at renewal if the case is still not closed. Instead, I went to an outside workshop that did my recent mod and they got my car ready within a week, load the entire S$8+k repair to the third party (as per my mod - C63 original apron and difuser + polished quad), covered me with a 2.4L Camry during my loss of use, and helped me to beautify my ride further before handing it back to me.

 

The convenience I enjoyed going to them far outweight sending it to C&C although I'm a die-hard fan of C&C due to my family history with them. Because the assessor was assigned by the 3d party insurer, I don't have to worry about any dispute on the claim and I will not have to be concerned about the lack of motivation on their part to settle 100%. I just renewed my insurance and my NCD is still intact. My lawyer is now waiting for the medical report before pursuing the injury claims my wife, my son and I sustained. My case was a walk in the park for my lawyer as I have in-car cameras both front and rear and the entire event was recorded.

 

IMHO, in-car cameras are no longer a nice to have but a must have bro… do give it some serious thought.

 

Cheers!   

[daffy]

think it is not about what car they loan you.....ITS THE FREAKING LOAN CAR SMELL I CANNOT TAHAN...AND THE ROACHES!

ok back to my mellow tone...tell them altis has NO TURBO!

oops.

[solar]

And one more. If anyone is injured, need to get ambulance and police involvement. Call 999 will do. They will arrange the ambulance.

Don't move the injured in the meantime. Wait till the paramedic arrive and give instruction.

My butt kissed by a big bike last time that resulted in nearly 15k damage. Claimed full. Stock parts only.

Camera footage was not required though I submitted.

[knighthunter]

I am paying insurance and I don't want to get headache. So last time when I had accident I went to C&C and claim against my own insurance first and pay for the excess get Merc courtesy car and let them fight the case. Just wrote clearly what happen on the accident form. My car down for 2 weeks and after 4 months I got my excess back and my NCD fully restored. What is the point of paying insurance but get pissed off when involved in accident.

[Old-MAN]

Bro retiefgoosen, hope you are ok....and no permanent damage...

[retiefgoosen]

I am fine

Car no major structural damages

According to service guy,

is direct replacement of parts.

 

so no big issues.

 

Just waiting for claim approval and send in for repair

 

thanks guys for various feedbacks

[retiefgoosen]

little update

 

Insurance claim against the other party is successful

 

going to drop my car in to the service centre next week.

 

Courtsey car can only be limit to Japanese car as per other party's insurance.

 

can they impose such a rule/ clause?

 

 

I checked with my sales agent and she said I should be entitle for 300 dollars rental a day and could get an older Merc ( Maybe W211) for that kind of money

 

I just dropped the guy an email and ask for a merc replacement instead.

[blackmercs]

little update

 

Insurance claim against the other party is successful

 

going to drop my car in to the service centre next week.

 

Courtsey car can only be limit to Japanese car as per other party's insurance.

 

can they impose such a rule/ clause?

 

 

I checked with my sales agent and she said I should be entitle for 300 dollars rental a day and could get an older Merc ( Maybe W211) for that kind of money

 

I just dropped the guy an email and ask for a merc replacement instead.

Did you ask your insurance agent on this matter?

[retiefgoosen]

Insurance from Mercedes.

I am not claiming my own and claiming the other party

 

Mercedes body shop guy called me and told me so. So I just have to take it as it is

What my sales agent told me was after she had read through the policy

 

Anyway. wait til then and see what is the final outcome.

[retiefgoosen]

Just a quick update

Everything was done smoothly by AD

arranged courtesy car and all was done within 20 min and I was out of pandan loop

given an accord 2.4

drove it around for few days

collected my car with no fuss

all changed to new parts and as good as new.

 

kudos to AD this time