accident w204 pls advise.

[Guest donut84]

Hi Seniors, please help, on the 19/02/2011 my rear of W204(1yr) was hit very seriously by a vehicle at lornie around 6.40pm. Vehicle was send to cycle and carriage pandan loop for repair, but the officer say they can only repair if i pay my excess first and they DO NOT provide third party claim. Ask me to find my own lawyer to do third party.

The other party is clearly 100% at fault and i still have to pay excess? weird.

Please help, shall i pay the excess to start repair? By paying the excess am i claiming my Own Damages first? NCD will be affected right..

appeal for witness also. if any.

suay ...

[Guest blackknight]

1) did you pay for a NVD protection when you bought your insurance?

2) Should not have send to C&C for repairs as you have just expereinced the not so helpful attitude and policy they have..

3) you will leave a record in C&C system that your car has been repaired before and when you want to sell, it may affect your resale...

4) Tell them you want to send to an authorized workshop based on your insurance policy schedule.

[Guest donut84]

blackknight wrote:

1) did you pay for a NVD protection when you bought your insurance?

2) Should not have send to C&C for repairs as you have just expereinced the not so helpful attitude and policy they have..

3) you will leave a record in C&C system that your car has been repaired before and when you want to sell, it may affect your resale...

4) Tell them you want to send to an authorized workshop based on your insurance policy schedule.

Oh ya, i remember i got NCD protection.

Initally i was reluctant to send to C & C for repair, but i my vehicle was damaged very seriously, body chassis also affected. i am afraid outside workshop could not repair properly.

2ndly, the officer say warranty will be void if repair outside.

C & C is not really helping me and i am very stress. i got hit (rear from front) and i have to engage myself a lawyer to claim third party ?.

[Guest blackmercs]

donut84 wrote:

Hi Seniors, please help, on the 19/02/2011 my rear of W204(1yr) was hit very seriously by a vehicle at lornie around 6.40pm. Vehicle was send to cycle and carriage pandan loop for repair, but the officer say they can only repair if i pay my excess first and they DO NOT provide third party claim. Ask me to find my own lawyer to do third party.

The other party is clearly 100% at fault and i still have to pay excess? weird.

Please help, shall i pay the excess to start repair? By paying the excess am i claiming my Own Damages first? NCD will be affected right..

appeal for witness also. if any.

suay ...

Paying access is the norm not asking u to pay yr own & other party damage. However is yr insurance package comprehensive? If yes, no worries as yr insurance will take care for all yr claims too. If not, when the other party denied that he hit you and manage to claims against you then you got to pay for everything for all damages & repair too.

In short, if u pay for comprehensive package u can sleep well and pay only for the excess. If not sure what kinda package that you had pay for, call yr insurance agent.

[Guest poolfan]

Just my 2 cents,

Your accident report is very very critical.... just wondering if your car is stationery when the other guy hit u. If so, you MUST clearly state that your car is stationery.

I learnt this when my car was hit from the back and the workshop advise me to state that clearly in my report.

I would also send my car to C&C for repair if I am in the same situation ...

Too bad, part and parcel of owning a car.

[Guest knighthunter]

This is normal practice for C&C paid your excess first and it may lost your NCD during renewal but if the insurance claim is approved third party mistake excess and NCD will be reinstated (you will get rebate from your insurance co).

[Guest blackmercs]

knighthunter wrote:

This is normal practice for C&C paid your excess first and it may lost your NCD during renewal but if the insurance claim is approved third party mistake excess and NCD will be reinstated (you will get rebate from your insurance co).

Yap for the excess U can claim it back if no dispute. I would rather sent it back to C&C than outside workshop for major repairs.

[Guest donut84]

Thank you everybody for the valuable advises. spoke the insurance officer today and they can only help me claim the repair damages. the rest have to engage a lawyer to claim third party.:shocked:

[Guest blackmercs]

donut84 wrote:

Thank you everybody for the valuable advises. spoke the insurance officer today and they can only help me claim the repair damages. the rest have to engage a lawyer to claim third party.:shocked:

Your insurance will helps you to claim, u needs a lawyer when there is a dispute. Who is yr insurance guy? Long long time ago, I m with AIG when a scooter rider sianing her gf without looking the front and hit onto my wannabe sports car on the rear. I didn't engage any lawyer or so whatsoever coz no dispute at all. If u went back to C&C didn't they advise you?btw is yr insueance is it comprehensive or 3rd party?

[Guest donut84]

blackmercs wrote:

Your insurance will helps you to claim, u needs a lawyer when there is a dispute. Who is yr insurance guy? Long long time ago, I m with AIG when a scooter rider sianing her gf without looking the front and hit onto my wannabe sports car on the rear. I didn't engage any lawyer or so whatsoever coz no dispute at all. If u went back to C&C didn't they advise you?btw is yr insueance is it comprehensive or 3rd party?

C & C n insurance advised me to engage a lawyer to claim third party.

My insurance is comprehensive .

no good.....

[Guest blackknight]

donut84 wrote:

C & C n insurance advised me to engage a lawyer to claim third party.

My insurance is comprehensive .

no good.....

which insurance company are you using? first time i hear that you need to engage your own lawyer to claim back from third party....

[Guest blackmercs]

donut84 wrote:

C & C n insurance advised me to engage a lawyer to claim third party.

My insurance is comprehensive .

no good.....

Hahaha no wonder!! Call yr insurance agent directly for advise so as to save on the lawyer money for future mods.

[Guest donut84]

blackknight wrote:

which insurance company are you using? first time i hear that you need to engage your own lawyer to claim back from third party....

pm u my insurance company.

[Guest flairco]

3rd party claim any workshop can handle.

[Guest flairco]

ok this is my experience. since this case is closed i can post online.

my car was driving alone XXX road, this idiot open his driver door while parked on double yellow line. so it is his fault.

so it's his fault. and i send to kum chew (Which is not an authorized workshop) for my insurance. they can settle for you.

so they will repair the car - YOU NO NEED TO PAY A SINGLE CENT. and they might even give you a replacement car.

then the workshop will claim the amount thru their lawyer.

THE other party may claim that it is not their fault and get their lawyer to counterclaim. so you need to get witness to fight if the case goes to court.

so fight fight fight.... lucky i got witness which came forward.

now i no need to pay a single cent. e insurance company got to pay the idiot's damages. and his insurance company gotta pay my damages.

what some forumer users say is true, don't send to c&c. later got record very hard to sell your car. but who checks anyway....

[Guest flairco]

hey if you got problem pm me ok? i can advice you. i been thru 1 accident involving 1 vehicle and 1 accident involving one guy (he didn't die don't worry!) serious but not so life threatening case.

[Guest ping911]

Hey donut84,

Were you at C&C Pandan on Mon morning? We might both have met. I have a somewhat situation as you. Parked my car at car park waiting for family. This stupid lorry reversed into my bumper and boot. Fortunately I was in the car.

Sent my car to C&C, cause I am using same insurance as the original 1st year. Car is 1yr old.

What the C&C service consultant told me is that they will repair, I pay the excess first, and then they will chase the other guy's insurance company. Once OK, I will get reimbursed.

In the parallel, I have been calling the insurance company to verify if this is the correct process. They say yes.

HOWEVER, what dawn on me is that the insurance companies nowadays seems to be passing the buck. All the insurance co is interested is whether you want to claim on your own insurance or not. If not, then they don't care.

I have not done claims before, so am actually shocked to find out that it all depends on the workshop. I mistakenly thought that since I pay my insurance co so much, they will represent me, and will chase the other insurance co, on my behalf. Apparently not!!

Sad....

[Guest apple088]

ping911 wrote:

I have not done claims before, so am actually shocked to find out that it all depends on the workshop. I mistakenly thought that since I pay my insurance co so much, they will represent me, and will chase the other insurance co, on my behalf. Apparently not!!

Sad....

That is why no point to renew the original insurance. i got mine 50% cheaper. 1st accident no need to pay excess.

External workshop will settle everything for you including loan car. That is why they charge so much to insurance coy for their repairs. It might take them years before they receive the payment is going thru 3rd party claims.

The entire process is flawed. The Law minister also sit there watch only coz the laywers are also making money in the process.

remember the case of the car owner whom taxi hits him and the taxi driver discharged the insurance company of liability. Had to hire a lawyer to sue the taxi driver whom is also a bankrupt ... the govt never plug this hole yet.

[Guest blackmercs]

apple088 wrote:

That is why no point to renew the original insurance. i got mine 50% cheaper. 1st accident no need to pay excess.

External workshop will settle everything for you including loan car. That is why they charge so much to insurance coy for their repairs. It might take them years before they receive the payment is going thru 3rd party claims.

The entire process is flawed. The Law minister also sit there watch only coz the laywers are also making money in the process.

remember the case of the car owner whom taxi hits him and the taxi driver discharged the insurance company of liability. Had to hire a lawyer to sue the taxi driver whom is also a bankrupt ... the govt never plug this hole yet.

orh I remember this guy, not sure is he still lurking here.

[Guest east539]

need to hire a lawyer for third party claim? sound weird leh, I also kana rear end by a taxi last year but when went back C&C do everything for me, no need to hire lawyer at all.

Anyway for my case is a comfort taxi rear end my CLS at raffles boulevard last year, went back to C&C Pandan Loop, Service Adviser inspected my car & was also told I need to fork out excess & self claim first if I need the car fast, what they will do is they will help me do third party claim after the repair & return the excess to me & my NCD won't be affected, sound weird but I still go ahead with it & paid $900 for the excess. The only downside is the claim & excess refund will take at least 4 - 6months.

around 5 months after the repair, indeed C&C or Chartis manage to claim successfully & I also received the refund at around the same time.

[Guest 6008]

flairco wrote:

ok this is my experience. since this case is closed i can post online.

my car was driving alone XXX road, this idiot open his driver door while parked on double yellow line. so it is his fault.

so it's his fault. and i send to kum chew (Which is not an authorized workshop) for my insurance. they can settle for you.

so they will repair the car - YOU NO NEED TO PAY A SINGLE CENT. and they might even give you a replacement car.

then the workshop will claim the amount thru their lawyer.

THE other party may claim that it is not their fault and get their lawyer to counterclaim. so you need to get witness to fight if the case goes to court.

so fight fight fight.... lucky i got witness which came forward.

now i no need to pay a single cent. e insurance company got to pay the idiot's damages. and his insurance company gotta pay my damages.

what some forumer users say is true, don't send to c&c. later got record very hard to sell your car. but who checks anyway....

Hey . Kum Chew is good . They really do everything for u . No matter u r in the right or wrong , just approach them . But they are pretty packed due to their one stop service . Rate them 5 stars upon 5 . Thru the yrs they had resolved a few cases for my family n friends .

[Guest donut84]

ping911 wrote:

Hey donut84,

Were you at C&C Pandan on Mon morning? We might both have met. I have a somewhat situation as you. Parked my car at car park waiting for family. This stupid lorry reversed into my bumper and boot. Fortunately I was in the car.

Sent my car to C&C, cause I am using same insurance as the original 1st year. Car is 1yr old.

What the C&C service consultant told me is that they will repair, I pay the excess first, and then they will chase the other guy's insurance company. Once OK, I will get reimbursed.

In the parallel, I have been calling the insurance company to verify if this is the correct process. They say yes.

HOWEVER, what dawn on me is that the insurance companies nowadays seems to be passing the buck. All the insurance co is interested is whether you want to claim on your own insurance or not. If not, then they don't care.

I have not done claims before, so am actually shocked to find out that it all depends on the workshop. I mistakenly thought that since I pay my insurance co so much, they will represent me, and will chase the other insurance co, on my behalf. Apparently not!!

Sad....

Hi ping911,

Yes indeed i was at pandan loop mon morning. prior starting this thread, i had searched up and down for merc accident informations but couldnt find one. Hope this thread will be kept open for future reference for fellow merc owner who choose to send their car back to c & c for repair.

[Guest donut84]

east539 wrote:

need to hire a lawyer for third party claim? sound weird leh, I also kana rear end by a taxi last year but when went back C&C do everything for me, no need to hire lawyer at all.

Anyway for my case is a comfort taxi rear end my CLS at raffles boulevard last year, went back to C&C Pandan Loop, Service Adviser inspected my car & was also told I need to fork out excess & self claim first if I need the car fast, what they will do is they will help me do third party claim after the repair & return the excess to me & my NCD won't be affected, sound weird but I still go ahead with it & paid $900 for the excess. The only downside is the claim & excess refund will take at least 4 - 6months.

around 5 months after the repair, indeed C&C or Chartis manage to claim successfully & I also received the refund at around the same time.

Claim for excess only?.

How about loss of use, injury and so on!!!....

Answer: Lawyer.....

[Guest Raskie]

donut84 wrote:

Claim for excess only?.

How about loss of use, injury and so on!!!....

Answer: Lawyer.....

Bro .. tat's exactly why the premiums are going up each year when for every accident claim we engage lawyers even for simple fender bender. "Every"one wins except us car owners ...

If your car is still under warranty, best is to send back to C&C else you might want to consider w/s outside you are comfortable with. W/S (inc C&C) will choose the easiest way out (ie) replace rather than repair esp if they know you will claim even if a simple knockback, sand and spray will do quite nicely - again increase in premiums.

Your insurance should be comprehensive if you still have o/s loan. If gully paid up, you have the choice to just ins 3rd party only. The Ins Coy shd handle all insurance claims.

Btw, do you know that if you are involved in an accident even if it is not your fault, there is also loading on your "profile". So assuming you successfully claim a hefty amt from the other party, in your next renewal, you will still be treated as higher risk vs someone who is accident free.

[Guest east539]

donut84 wrote:

Claim for excess only?.

How about loss of use, injury and so on!!!....

Answer: Lawyer.....

not only excess, but also the third party claim against the taxi insurance co., I do not need to claim for loss of use as I was given a courtesy car for 5 days.

As for injury wise, I did not suffer any sort of injury, so no claim on that too.