I recently helped a client who was involved in a motor accident and decided to compile this handy guide for anyone in Singapore to use. Follow these steps should you find yourself in such a situation:
- Stop your car and turn on your hazard lights.
- Check for injuries. If anyone is injured, call for an ambulance immediately.
- Secure the scene. If there are any hazards, such as leaking fluids or downed power lines, take steps to secure the scene to prevent further accidents.
- Take photos of the scene. Take photos of the damage to all vehicles involved, the surrounding area, and any skid marks or other evidence.
- Exchange information with the other drivers involved. Get the names, contact information, and insurance details of all drivers involved in the accident.
- Report the accident. You can report the accident to the police via online means, or you can make a report at an authorised accident reporting center, or vehicle repair workshop within 24 hours.
Here are some additional tips:
- It is highly recommended that you install an in-car video camera and ensure that it is on. It can help a lot in establishing fault.
- Even if you don’t make a claim, or a private settlement is agreed upon, you should still make a report. By not reporting the accident, your claim may be prejudiced or declined later by insurers.
- Do not reply to any Originating Claim or Letter of Demand from a third party against you due to the accident. Forward it to your insurer immediately.
- For smashed windscreens, if your insurance policy covers windscreen damage with an excess, you simply need to go to an authorised workshop to get the windscreen replaced. No report needed.
- Do you have an NCD Protector? If so, one ‘at fault’ claim will keep your 50% NCD intact, but a second one within the same year will drop your NCD to 20%.
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#motorinsurance #accident #howto #auto #NCD
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