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All you need to know about the third-party claims specialists, also known as Ba Kias, who often ply the roads looking for accidents to offer their services.
Category: Miscellaneous Advice
Today's like any other day. You are making your way through the peak hour traffic, trying to get to work. But, as you slow to a stop at the red light, 'bang!' you feel a strong shunt - someone has crashed into the rear of your car!
Like what online guides teach, you get out and start taking photos and, at this moment, a car pulls up, some guy (or guys) jumps out and offers to help you with the claim procedure, or he enthusiastically recommends a workshop to you that can get your car back to as good as new again.
Now, here's the thing, are these people good Samaritans who happened to pass by? Or are they the 'claims specialists', also known colloquially as Ba Kias (Alligators) who offer to handle your third-party insurance claim? Now if it's the latter, is it really so bad to accept their help?
What is a third-party insurance claim
When the incident is clearly not due to your fault, such as when someone rear-ended your stopped vehicle at the light, the liability almost always belongs to the one that crashed into you.
In such cases, you wouldn't want to be spending your own hard-earned money to rectify the damages done upon your car. And this is where third-party insurance claims come into the picture.
The idea is simple, you claim against the other party's insurance policy to have your car fixed. But is the execution as simple?
So, it's just that simple?
Sort of. It isn't an industry practice for your insurer to act on your behalf to file a third-party claim, so you can't really just pick up the phone, and get your insurer to settle everything for you.
To claim against the other party for your losses, you'll have to arrange with their insurer and let them inspect your car's damage before sending it for repair.
There are also various documents that you'll need to prepare to complete the claim process, such as GIA Accident reports, repair bills and others. There's quite a bit of hassle and things can get rather complicated.
However, it is likely that your insurer's authorised workshops, or your preferred workshop that can help to guide you along the entire process, simplifying the ordeal.