Car accidents are a common occurrence on Singapore’s busy roads. Some of them result in serious injuries, requiring expensive medical treatment. Injuries from car accidents can also cause financial loss. Fortunately, there are ways to get compensation in the event of an accident. One of the most common methods is to file a claim with an insurance company. However, it is important to follow certain rules in order to ensure that your claim goes through smoothly.
In Singapore, the Motor Claims Framework provides a set of clear procedures for reporting road accidents. The framework is fully supported by all insurers in Singapore, providing motorists with a better claims experience and at the same time helping to contain insurance premium increases. In order to make a successful car accident claim Singapore, it is important to take the following steps:
1. Report the accident to the police if necessary
In cases where there are serious injuries or fatalities, you must call the police at 995 or 999 immediately after the accident. It is also important to note down the particulars of the other parties involved and to take photographs of the scene. This can help to establish fault later on. Furthermore, it is recommended not to shift any vehicles or structures at the scene of the accident unless it is absolutely necessary for safety reasons.
2. Exchange particulars with the other party involved
Make sure to take down the other party’s name, telephone number and driver’s licence plate number. You should also take notes of the circumstances surrounding the accident, as well as any damage caused to the vehicle(s) involved in the crash. This will help you prove that the other party was at fault, and that they should pay for the cost of your damages.
3. Take photos of the scene of the accident
It is essential to take photographs of the accident scene, as well as any damage sustained to the vehicles or other property. This can be used to demonstrate that you were not at fault, and that you deserve to receive a fair amount of compensation. In addition, it is helpful to keep original receipts for any expenses incurred as a result of the accident. This includes medical bills, lost earnings and rental car costs, among others.
4. Document all losses and damages
Keeping accurate documents is crucial in the event of a car accident, as it will help to speed up the process. Make sure you have copies of all relevant medical documentation (including the OCF-3 and disability certificate), as well as any other documents that detail the losses and damages you’ve incurred as a result of the accident. It’s also important to note that you should not sign any documents or agree to any repairs without first consulting your insurer.
In the event that you are unable to settle your car accident claim with the other party, the next step is to seek legal advice from a professional lawyer in Singapore. Our lawyers can advise you on the best course of action, whether it’s to file a lawsuit or accept a private settlement.