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A carelessly filed car insurance claim is an easily disputed insurance claim. Avoid delayed settlements and zero pay-outs by knowing what you should or should not do to make a good claim.
Category: Car Ownership Advice
- Moving your vehicle
- Determining fault
- Acting slow
- Unauthorised services
- Delayed settlements and missing documents
Moving your vehicle
When it comes to car insurance claims, moving your vehicle before documenting evidence is like touching a crime scene with bare hands. You can be accused of tampering with evidence and have your claim report disputed. You might even have to even pay for all the damages.
If you're paying for all the damages, chances are you've jeopardised your No-Claims Discount (NCD) with your insurer. Your NCD is affected when your liability goes above 20% - there goes your cheap car insurance premium for the following years. Here's all you need to know about NCD for your car insurance.
Angry parties might point fingers and try to shirk responsibility. While unpleasant, that's normal. The amicable parties may willingly negotiate, only to change their story and turn it against you when claiming for car insurance pay-outs.
To ensure your claim report remains credible, do not agree to any private settlement. Gather as much evidence as possible and look for eyewitnesses. Take down their accounts, get their signed admission and contact information so you can to look for them if needed. Do take note, however, of the four types of car accidents in Singapore that car insurance might not cover.