What are the basic procedures to take note when involved in a car accident? What are the types of claims?

Have you ever wondered what are the basic procedures to take note when involved in a car accident? And what are the types of claims? 

This article will feed you with more details on all your concerns. 

Claims procedures can be a long process and a lot of waiting period. It involves the legal firms and the insurance agents for claims. 

As you know, there's a lot of paperwork needs to be done and negotiation between the claimant and the insurance agent. 

Without further ado, let's dive in!

If i am involved in a car accident (if i am the driver & owner of the vehicle), what are things i should do and take note of? 

1. Make a police report and file the SAS (Singapore Accident Statement), for property damages and injuries (report must be made within 24 hours)
2. Check and make sure if there is any injuries (driver or passenger)
3. Take down the third party particulars (e.g name, contact number, car plate number & a copy of their IC or driving license)
4. If you are a Private Hire Driver and vehicle does not belong to you, kindly inform the rental company and require to obtain company's and vehicle information.
5. Photographs of all vehicles that are involved in the accident
6. Drive to your preferred repair shop/reporting centre. But if your car is not drivable, you may contact a tow truck for assistance
7. File a claim against the insurance to claim for your damages, repairs and injuries. 

What are the types of Car Accident-related claims?

• Third-Party Claims - refers to the opposite driver's at fault, you are entitled to file a claim against his insurance for the repairs and injuries. 

Therefore, it is important to exchange contact information as mentioned above, so that the legal advisors will be able to process the case immediately. 

• Personal Injury Claims - refers to people who was involved in the accident and sustained an injuries. 

It is advised to seek medical consultation to diagnose your injuries. Kindly keep all receipts and medical certificates (if any). Usually the legal team will require this for their claims submissions. 

• Own-Damage Claims - refers to if you are at fault for causing an accident. You may file a claims against your insurance for your own repairs and injuries.

However, kindly take note that you will need to pay for the excess fees chargeable by your own insurance. If other party filed a claim against your insurance for their damages and injuries, there will be no excess fees involved. 

Important things to take note for Own-Damage Claims: Either way, you will lose 30% of your "No Claims Discounts (NCD)" upon your next renewals. This will also affect your insurance premium.