Monday, September 10, 2007

Motor accident - file your claim directly

If you are involved in a motor accident and wish to make a claim, you should report it directly to the insurance company, either your own or the insurer of the other vehicle.

Do not ask the workshop to handle the claim for you, as some workshop are involved in a racket and get their lawyer to file an inflated claim for you.

As you have already signed some papers to authorise the workshop and their lawyer to act for you, you are party to the fraud. If the insurer who is paying the claim challenge the claim in court, you may be liable for the legal fee, if you lose the case.

Avoid getting into this type of complication.
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4 comments:

Anonymous said...

Hi Mr. Tan,

Thank you for bringing up such a thing to me or some/most of us who do not know about legal matter in regards to claims. Is there any way to protect un-informed consumers ?
We, if as a party involved in an accident, usually encountered a shock and did not know what to do at that moment, and there are bound to have some disruptions in our daily routines. So when the workshop render its help in such paper work, we thought it is good.

September 10, 2007 8:57 AM
Anonymous said...

They used to say "insurance eat people" but the fact is "people eat insurance" often collaborating with another party, like the workshop.
Those who drive car know the workshops exploit the situation and often unwittingly car owners fall into the trap as abetters. Of course there are the greedy car owners too who are ready exploiters only to the delight of the workshops.
Who suffers? every body!!!

September 10, 2007 11:17 AM
Thomas Phua's Blog said...

IDAC is a good scheme.

Workshop is appointed by the insurers, and much under control that this problem of fraud is less lightly to happen.

Do not see IDAC as a hindrance, it is infact a stop of convenience.

In event of injury, it is also better to engage a lawyer to assist in injury claim.

There is a misconception that Income owes IDAC, it is not correct.

- Thomas Phua

September 10, 2007 9:43 PM
Anonymous said...

Hi Mr Tan,

I did not involve in any accident since 1997 but had one recently.
I was also surprised that the workshop involved a lawyer to help get payment from the insurance company. I believe that was not the case ten years ago.
I asked the workshop owner why there is a need for lawyer and he told me that the insurance company will act promptly if they are represnted by a lawyer. If this is true then the insurance companies are responsible for this practise.

September 14, 2007 1:31 PM

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