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Accidents claimed by a third party are often wrong. Other people can easily claim that they were in the right when an accident has occurred.

When you need to fight their claims, you need first-party insurance. First-party insurance covers claims against damages and losses against a driver through your insurance. But what if you don’t have any insurance? Well then, here comes the concept for a third-party insurance car accident claim. It is always a good idea to know the do’s and don’ts, processes, and the evidence you need when it comes to a third party car accident claim.

This article will provide you with all the information on the law against insurance claims, tips, and how to file a third-party accident claim.

What is MCF?

When it comes to third-party claims, Singapore has a legal car insurance claims framework that needs to be strictly followed. If you want to file a third party car insurance accident claim in Singapore, you need to follow the Motor claims framework’s guidelines, better known as MCF. Since the beginning of 2008, it is compulsory in Singapore to report all car accidents; rather, it is on a large or small scale.

The MCF is a compilation of procedures that drivers can follow as they record motor injuries in Singapore. In short, after an accident, you can gather reports from other drivers involved in the accident, take photos of the accident, and then contact the insurer to report the accident. The last move is to carry the car to one of the insurer’s approved repair workshops to inspect the vehicle – whether or not the damage to the vehicle has occurred. MCF also means that all injuries must be reported and that, by failing to comply with such laws, you have a short risk of getting fined.

How to File a Claim?

Everywhere in the world, if a third party files a claim, then you make sure that a police report backs up their claim. It’s the same case when it comes to Singapore. You can also submit the vehicle for maintenance even though the third party’s responsibility has not yet been verified, so you will have to pay for the repairs in advance.

This short guide will help you in filing a claim in Singapore.

Step 1: Get information

After the crash, exchange the details of the parties involved, including:

  • Their real name
  • Phone Number
  • Home Address
  • The insurer and policy number

These are the necessary information you need when filing a car insurance claim against a third-party insurance claim.

Step 2: Photograph evidence

Find as many bits of evidence as you can to justify your argument. Take photos of damages to your car, the other cars involved in the crash, and the surroundings of the accident. It would be best if you also captured video clips to attempt to get witness statements.

Step 3: Report the accident to your insurer

In Singapore, you are legally obligated to notify ALL motor injuries within 24 hours of their occurrence or the next working day. Also, injuries with minor or no vehicle damage, or cases when you choose to negotiate without a third-party insurance charge, must be reported. If required, contact the insurer to get you a towing truck and ask any more questions you may have. There is no reason not to disclose a car accident since it is now mandatory for any Singapore motor insurance provider to have a 24-hour hotline open. You may also disclose an accident to one of the authorized reporting centers of the insurer.

Result to fail on reporting an accident can lead to:

  • Losing no claims discount as you didn’t report it on time, according to their policies.
  • The insurer will decline/cancel the renewal of the contract.
  • The insurer refused to pay the premium because you violated the insurance provision by failure to disclose the crash. This means that you will have to pay out of pocket for your car maintenance bills plus other extra costs.

Step 4: TG AUTO Will TAKE CARE of this part

Please call TG Auto so we can check the damage to your vehicle before submitting it for repair. Following this, we will take around two working days to conduct the pre-repair review. You cannot commence the maintenance process on your vehicle before the pre-repair inspection has been performed or until the third-party insurer has waived the right to inquire.

Based on whether or not the other driver’s liability has already been confirmed, you can have two different choices to complete the argument.

  • If the other driver’s fault is confirmed, then you can bring your car to your third-party insurer’s workshop and get your repairs.
  • If the crash’s responsibility has yet to be confirmed, you can contact the APR of your insurance company to help you communicate with the third-party insurer on your behalf.

Step 5: Proceed to claim

Once the inspection has been done and you have received a cost estimate for the repairs, you can continue with the repairs. It could still be possible that you would have to pay the maintenance charge directly to the workshop beforehand if the other party’s responsibility has yet to be verified.

However, suppose you have a police report showing the other driver’s responsibility explicitly in the crash and negotiating with the third party insurer on the costs of repair and liability. In that case, you can continue with the repair without having to pay upfront. The workshop will apply a petition against a third party’s insurance to you, assuming that all paperwork is in order.

If you have a dispute with third-party insurers, you need to contact FIDReC by calling 6327 8878 or emailing info@fidrec.com.sg. Please provide all the relevant information they need to defend your case.


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