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17 Sep 2007 | Text and photos by Jegan Das Haridas | Category: Car Maintenance Advice

Bear in mind some dos and don'ts when involved in a car accident.

Quick list of Dos and Don'ts when involved in a car accident

Dos
• Stay calm. Check if any party is injured. If there are any serious injuries, call 995/999 immediately.
• Move the vehicles involved away from flow of traffic if possible (e.g. roadside).
• Note down all number plates of involved vehicles and particulars of drivers and witnesses, if any.
• Take photos of the accident scene.
• Fill in the Singapore Accident Statement at the accident scene.

Don'ts
• Get into a heated argument with other parties involved.
• Discuss liability with parties involved in the accident at that instance.
• Hit-and-run.

Accidents required to make a police report
For cases involving injury, call the police immediately.
• Parties not injured should stay at the scene.
• Vehicles should not be removed unless necessary (e.g. evacuating of injured).
• Take note of the following for police report: - Date and time
- Location
- Particulars of witnesses
- Damages and positions of vehicles involved
- Weather and road conditions during accident

Other cases involving the police include
Injured pedestrian or cyclist
Hit-and-run accident
Government vehicles or vehicles not registered in Singapore. Government vehicles include all vehicles with car plates QX and MID or belonging to government ministries.

*Call the police as soon as possible within 24 hours of such accidents

Non-injury accidents

Ensure the involved vehicles are not obstructing the traffic. Preferably, move to the road side or to a safe area immediately.
Place the hazard sign at least 50 metres away from the vehicle's boot.
Note down the number plates of all vehicles involved, as well as the names and contact details of all drivers or owners involved.
If any parties involved refused to do so, they are to make a police report within 24 hours. If not, they will be violating the Road Traffic Act.
Take down the contact details of any witnesses at the scene too.
Photograph the accident scene (e.g. the damages and positions of the vehicles).

Full details on making a police report can be found here at Singapore Traffic Police Website

Damage assessment for your vehicle


Is the insurer covering your motor insurance a member of Idac?

Yes
• Idac hotline: 1800 887 5151
• Tow service will be free of charge within a day of the accident.
• Assessment on the visible damage will be done and a report of replacement parts will be made.
• The report is for your insurer to make arrangements to repair your vehicle.

No
• The authorized workshop for your vehicle will contact your insurer directly.

Selecting a workshop for the repair job

Different insurers have different restrictions on repairing your vehicle. Check your car insurance policy on what are the restrictions or which authorized workshops you can send your vehicle for repair.

No-Claim Discount (NCD)

You are entitled to a No-Claim Discount (NCD) on your car insurance renewal if you have not made any claims for at least one year. Your policy premium for the following year will thus decrease.

Private car policies
Period of insurance with no claim Discount on renewal
1st year 10%
2nd year 20%
3rd year 30%
4th year 40%
5th year 50%

Barometer of Liability Agreement (BOLA)

Local insurers use BOLA to work out the liabilities of each party involved in the accident. Your NCD will only be affected if your liability in the accident is more than 20%.

Disputes with Claims

If you are dissatisfied with the claims settlement of your car insurance policy, you can appeal to your insurer first. If the response is still not satisfactory, you can lodge another complaint to the higher management of your insurer. You may choose to submit your complaint to Insurance Disputes Resolution Organisation (IDRO) via fax, post, e-mail or walk-in.

IDRO
Address: 20 Cross Street #02-01/02 China Court, China Square Central Singapore (048422)
Telephone: 6327 8878
Fax: 6327 8488
E-mail: info@idro.com.sg

Further Information
The General Insurance Association of Singapore (GIA) is the representative of all local insurers.

GIA
Address: 103 Amoy Street Singapore 069923
Telephone: 6221 8788 / 6221 8789
Fax: 6227 2051
E-mail: feedback@gia.org.sg
Website: www.gia.org.sg

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