Mr Tan
There is still some confusion. What is the role of an Idac center, which is supposed to handle motor claims?
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My reply:
The main role is to assess the damages to the vehicle and to take an accident report.
The motorist should go to an Idac center immediately after the accident. The surveyor at the center will take photographs and record down the damages. You can also submit a claim report on the spot.
The Idac centers are located at various parts of Singapore and have long operating hours. Their surveyors only focus on one job. This makes it convenient for the motorist. It is a "one stop" service.
The actual handling of the repairs is a separate step. If you are insured with NTUC Income, they will ask you to leave your car at the Idac center. They will arrange the repair and ask you to collect your vehicle in a few days time. Generally, the quality of the repair is satisfactory, based on the customer feedback.
The other insurers do not offer this one-stop service. You will have to their appointed workshop, or you have to find your own repairer.
Some insurance companies have moved out of the Idac scheme. They make their own arrangements for the repair. You will have to call them directly and ask them on what to do. You can also go to your workshop, and they can claim on your behalf.
In my view, it is better to have a scheme like Idac, as it is transparent and offers better service to the motorists.
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ReplyDeleteMany people thought that Income owns IDAC, which is not correct.
ReplyDeleteIDAC is an independent assessment centre.
When Ntuc Income uses IDAC, it is a hassle free way of doing repair for policyholder as what Mr Tan has advised.
Today's ST report has an incident of a taxi driver and a motorist confronting each other resulting in motorist being hit and hospitalised.
In an accident, it is best to leave the liability contest to insurer and report accordingly.
There is no point to deal with unreasonable motorist.
- Thomas Phua