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.
1 comment:
Yes, encountered such a case personally.
Agreed to pay a reasonable sum for a small dent in the other party's car,
then wrote a cheque, and required him to acknowledge the payment received and agreement not to report accident or make any more claims,
together with his name and address and signature on paper.
Just remember there is no such a thing called social trust anymore.
Must check his I.D. card and have paper and pen ready in your car.
Heng ah, no more trouble.
You would be surprised many young people are so trusting in Singapore, and this includes our gullible son too. It's just simple common sense that is lacking.
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