Accident Help
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hi bros and sisters..
need some help here.
my company let me drive the van back home because one of the colleague needed help to transport a CRT monitor back home..
as it rained earlier on this evening, i met with an accident at 30km/h along serangoon interchange.. the van did not manage to brake on time and skidded to knock a corolla altis rear bumper..
the driver of the altis said that he wants his whole bumper to be replaced.. but not just knock out. primarily because his vehicle is SGH plate. (gonna be damn expensie..)
Quoted from the Singapore College of Insurance...
"This means to say that the disease, injury or death must be related to the workman's job. Where accidental injury/death is concerned, the employer is also liable to compensate the workman under the following circumstances...
- a workman meets with an accident while travelling to and from his place of work operated by or on behalf of his employer, i.e the vehicle is not a public transport. "
so.. does it say my company is liable for damages?
thanks! -
wahh.. bumper very expensive..
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... ure not helping much
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My advice , report this accident to ur Van's insurance company , let them deal with it .
U need not pay any $$$ , cos every vehicle is insured ..... unless he just want "knock here knock there , and re-spray" , then u can manage , but if he insist on a brand new bumper , then better let ur insurance company pay all damage . -
Well SGH plate... most prob he will go back to borneo for repairs.
Repairs done by agent are more expensive.
Borneo dun knock the bumper back in shape regardless of how mild it is... they will change every single damaged part with a new one.
Repair cost mite hit more den 2k... for just a bumper...
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transporting CRT monitor for your colleague is NOT you, the employee's, job for the "company" and therefore the company is not liable.
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Walao company so kind to lend van to u, damaged it and still ask the company to pay....
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insurance company will take care of it...
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company does not have to know i transporting annything..Originally posted by Tayysj:transporting CRT monitor for your colleague is NOT you, the employee's, job for the "company" and therefore the company is not liable.
can say its me alone in the van.. -
seems like the altis will wanna go back to borneo. so definitely u muz claim from ur van insurance company for the altis repair as well as your own. and you might need to fork out $$, depending on how much your excess is. if there isnt any, then all is well and good.
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You only got 2 choice, let the company know and pay by insurance or pay by yourself.
Report to company: Depends on your repo with the company, if the boss likes you, you need not pay a cent. Most of the time, company will deduct from you but not the full price. Maybe like 20% or if your company is farked up type, will ask u to pay all so will not affect their insurance.
Pay by yourself: You can bring it to a workshop to do. Not necessary go to BM.
Bumper + spray will be around $550 +/-. If go to BM, will cost around 1.5k
Normally is a 1 1/2 day job.
You may not be able to use the company insurance if your company says that you are on unauthorise journey or non-job related. See which way is better. -
i thought dealers cannot do 3rd party claims? i.e. he cannot bring the vehicle to BM and ask your insurance company to pay...
what my friend say one. dunno if he talking about specific dealers or all dealers...
anyway, if want to claim insurance (1st- or 3rd-party) must go IDAC 1st right?
also if claimed insurance, next round insurance premiums will be higher
that's why many people prefer to pay from own pocket... -
Company may ask you to pay for the excess.
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The a/m insurance is meant for workmen's compensation, not for vehicle repairs for traffic accident. If you are injured in a traffic accident, yes, you are insured under workmen's compensation (unless your employer says you are not authorised to use the van or without permission to use). Report to insurance company and they will settle the claim for you, you need to pay the excess...etc.Originally posted by zerocool85:hi bros and sisters..
need some help here.
my company let me drive the van back home because one of the colleague needed help to transport a CRT monitor back home..
as it rained earlier on this evening, i met with an accident at 30km/h along serangoon interchange.. the van did not manage to brake on time and skidded to knock a corolla altis rear bumper..
the driver of the altis said that he wants his whole bumper to be replaced.. but not just knock out. primarily because his vehicle is SGH plate. (gonna be damn expensie..)
Quoted from the Singapore College of Insurance...
"This means to say that the disease, injury or death must be related to the workman's job. Where accidental injury/death is concerned, the employer is also liable to compensate the workman under the following circumstances...
- a workman meets with an accident while travelling to and from his place of work operated by or on behalf of his employer, i.e the vehicle is not a public transport. "
so.. does it say my company is liable for damages?
thanks! -
anybody heard of..
Liability act; common law
?
my aunt who is a lawyer said that i do not have to fork a single cent as my company is liable to pay for the damages. -
Hello, if the replace cost of the bumper + other eg number plates and knocking some inner absorber etc can easily come to 2-3k. Leave it to your company to decide to claim insurance or not. Anyway what the purpuse of buying insurance and not claiming ? Dont worry too much la as it is an accident.
Just days ago, our 6 month old Airwave was kissed by an old Mercedes. We send to our PI workshop to evaluate - bumper replace + spray (of course we want to replace the bumper) and the boot was dent but we agree to let them panel it back to shape.. estimated to be about 2k (1k for the bumper). And also claim for transport or rental car for the days the car is undergo repairs. The other party decide to claim insurance also. -
if can settlet outside better do so. if not very damm ma fun de...
claim insurance very tedious de... my 20 cents advise. -
It is a company car, of course your company is liable for the damages or repair to the other party. However, whether your employer claims from you, it depends. Say if you are the boss of company, your drivers involved in traffic accidents, will you do something to your drivers, such as make your drivers to pay for the excess...etc?Originally posted by zerocool85:anybody heard of..
Liability act; common law
?
my aunt who is a lawyer said that i do not have to fork a single cent as my company is liable to pay for the damages. -
if u didnt say u transport thing. u breach utmost good faith liao.
if they found out. u can 4get abt claim frm insurance.
u deliver thing without ur boss instruction.
so maybe the policy wont cover lor.
or ur boss ask u pay.
and most policy will have smth like "1st $2000 is not cover"
cuz it is insruance interest to make sure u ownself will take care of teh car
den hor. u claim 1 time insurance. u need pay higher premium nxt time. -
Why did you tailgate in first place??Originally posted by zerocool85:hi bros and sisters..
need some help here.
my company let me drive the van back home because one of the colleague needed help to transport a CRT monitor back home..
as it rained earlier on this evening, i met with an accident at 30km/h along serangoon interchange.. the van did not manage to brake on time and skidded to knock a corolla altis rear bumper..
the driver of the altis said that he wants his whole bumper to be replaced.. but not just knock out. primarily because his vehicle is SGH plate. (gonna be damn expensie..)
Quoted from the Singapore College of Insurance...
"This means to say that the disease, injury or death must be related to the workman's job. Where accidental injury/death is concerned, the employer is also liable to compensate the workman under the following circumstances...
- a workman meets with an accident while travelling to and from his place of work operated by or on behalf of his employer, i.e the vehicle is not a public transport. "
so.. does it say my company is liable for damages?
thanks! -
i think wghat the owner of van worries is the reduced No Claim Discount... easily another 1k extra...
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know ur facts first before saying me la..Originally posted by ShutterBug:Why did you tailgate in first place??
the van skidded more than 1 car length forward.. and i not so dumb to tailgate in a van. -
Ok, I have read through the whole thread. First of all, you hitting him behind is a sure win case for the Altis owner. Your van is covered by insurance, regardless of whether you are sending CRT monitor back for colleague a not. Insurance covers the vehicle 24 X 7, thats LTA's requirements for a car to be on the road.Originally posted by zerocool85:know ur facts first before saying me la..
the van skidded more than 1 car length forward.. and i not so dumb to tailgate in a van.
As such, some ppl here say insurance damn ma fan. Thats not your problem.
The Altis will probably make a 3rd party claim on you. You will have to go back to your company and tell them what happened. You will also need to fill up a GIA report. In GIA reports, people will cheat and lie, no one will tell the truth. In other words, I am a devil's advocate now. Fill up with a "believable story" that will put you "not in the wrong". If your own insurance company wants to contest the case, thats their problem not yours.
Hope this lengthy post helps. Need more help, feel free to PM me. -
That's very true ma .... that's what insurance is for .....Originally posted by spec:Ok, I have read through the whole thread. First of all, you hitting him behind is a sure win case for the Altis owner. Your van is covered by insurance, regardless of whether you are sending CRT monitor back for colleague a not. Insurance covers the vehicle 24 X 7, thats LTA's requirements for a car to be on the road.
As such, some ppl here say insurance damn ma fan. Thats not your problem.
The Altis will probably make a 3rd party claim on you. You will have to go back to your company and tell them what happened. You will also need to fill up a GIA report. In GIA reports, people will cheat and lie, no one will tell the truth. In other words, I am a devil's advocate now. Fill up with a "believable story" that will put you "not in the wrong". If your own insurance company wants to contest the case, thats their problem not yours.
Hope this lengthy post helps. Need more help, feel free to PM me.
buy insurance for what if simple accident claim cannot be done . -
as a fellow SGH car user, i also want a new bumper shud such a thing happen.