Here is a common situation encountered by motorist in Singapore. If you have been driving for many years, there is a chance that you might encounter it personally or know of a friend who has met with this event.
Motorist X was involved in a minor accident with another vehicle driven by motorist Y. Both parties agreed that it was a minor dent and agreed not to file an insurance claim. Motorist X might even have agreed to pay a small sum to the motorist Y to repair the dent. Motorist X thought that was the end of the matter.
A few months later, motorist X received a letter from a lawyer acting for motorist Y claiming a large amount for the repair of the damages caused by that accident. There were photographs showing the serious damages to motorist Y’s vehicle, which were aggravated. It was accompanied by a surveyor’s report and possible a witness’ report that motorist X caused the accident.
Motorist X was in a state of shocked at the large size of the bill. He reported the claim to his insurance company, which prompted denied liability as motorist X failed to observe a condition in the policy to report an accident within 24 hours.
What can motorist X do?
I will be posting the reply to this question in an article that will be made available only to members of FISCA. You can visit the FISCA website (www.fisca.sg) to see the information pages (that are updated regularly). Some pages are reserved for members and other pages can be viewed by the public.
You can also view the event pages (showing the educational talks conducted by FISCA) and register to be a member of FISCA.