Accident... need advise
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hi...
i've juz been involved in an accident.
need some advise from u guys. wat happened was there was a stationary car in front of me n my car was stationary too due to the congestion on the expressway. suddenly, a taxi juz rammed the back of my car.
the impact pushed my car forward n caused my car to hit the stationary car in front of my car.
1) wanna check wif u all, how much will this accident affect my insurance (NCD n such)?
2) can i safely say that i'm not at fault at all?
3) how many percent do u guys tink i can claim?
thanks for all the advise...! -
get a lawyer lor.. but tt oso increases ur cost lah..but at least the lawyer fights for ur rights. if not u nvr noe how the other party may manipulate the situation
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my car was towed to a workshop n they hired a lawyer for me.Originally posted by brokenluv:get a lawyer lor.. but tt oso increases ur cost lah..but at least the lawyer fights for ur rights. if not u nvr noe how the other party may manipulate the situation
they claimed that i dun have to pay a single cent at all n gave me a car to drive while awaiting repairs for my car.
does such gd deals exist? i'm rather sceptical...
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Originally posted by tetsumi:my car was towed to a workshop n they hired a lawyer for me.
they claimed that i dun have to pay a single cent at all n gave me a car to drive while awaiting repairs for my car.
does such gd deals exist? i'm rather sceptical...
as long, someone hit you from behind, its their fault
and........ now its not that you don't need to pay a single cent, its your insurance company is paying for the repair now, -
the workshop told me everything will be claimed from the taxi's insurance, wont involve my insurance at all. i was wondering how true is that...Originally posted by allentyb:
as long, someone hit you from behind, its their fault
and........ now its not that you don't need to pay a single cent, its your insurance company is paying for the repair now,
they said the repair cost, car replacement cost n towing will all be claimed from the taxi's insurance n wont touch my insurance at all n wont affect my NCD n such.
is it a gimmick or wat?
sounds a bit too gd to be true... -
in a chain accicent... the last car and its insurance company involved pays for all the car in front...
and yeah... your story sounds credible... -
in the case of accident... if someone bang your car, or is at fault.. all the cost or repair will be paid from the other party's insurance company..
so.. your yearly insurance wont increase.. but the other party will.. -
as long it is not more than 20% then it will not affect your NCD.........Originally posted by tetsumi:the workshop told me everything will be claimed from the taxi's insurance, wont involve my insurance at all. i was wondering how true is that...
they said the repair cost, car replacement cost n towing will all be claimed from the taxi's insurance n wont touch my insurance at all n wont affect my NCD n such.
is it a gimmick or wat?
sounds a bit too gd to be true... -
now depends on what the examiner said, your case is very clear cut, on who is at fault,
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now the problem is although my car was stationary, the impact caused my car to move forward n hit the car in front.Originally posted by paperx:in the case of accident... if someone bang your car, or is at fault.. all the cost or repair will be paid from the other party's insurance company..
so.. your yearly insurance wont increase.. but the other party will..
end result:
- the car in front's real bumper was cracked
- my car's front bumper cracked, rear boot smashed badly
- the taxi's front bumper n engine compartment smashed in -
anyway, juz to summarise wat the workshop told me:
- wont affect NCD
- wont involve my car's insurance at all
- hired lawyer for me
- no charges for towing
- no charges for repair cost
- free car to drive while awaiting repair
- able to claim 90% to 100% of the total damage cost
(if cant claim 100%, the workshop will absorb the balance amt)
- all charges to be claimed from the taxi's insurance company
- dun have to pay a single cent for the whole procedure (everything)
got such gd stuff?
really appreciate the replies u guys give... thanks!!!
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oh yah... juz to add...Originally posted by allentyb:now depends on what the examiner said, your case is very clear cut, on who is at fault,
my car was braking to a halt initially n then came to a halt for abt 1 or 2 sec b4 the taxi rammed my back.
somehow it appears to me that the taxi driver accelerated instead of braking n hit me.
now i c my car i feel so sad... boot is smashed...
quite worried abt my car... -
In a chain collesion, its always the last vehicle pays all..
Mai tu liao... ask the workshop add for your new bumper+new body kits+ a few more accessories.
It will all be claim from the taxi.
Your NCD will not be involved at all.
How I wish a taxi will bang my butt, I sure will ask the maximum stuff.
Negotiate with the workshop, ask them to help you. Or maybe can even change a new soundsystem inside .
Free upgrades worth up to 1.5k is in your hand, dun waste it.. lolz..
Depending on the damage cost, they can do alot of funny excess to top it up. -
Yes it does happens. If they say can't claim 100%, it is mainly due to an over-priced quotations claim.Originally posted by tetsumi:anyway, juz to summarise wat the workshop told me:
- wont affect NCD
- wont involve my car's insurance at all
- hired lawyer for me
- no charges for towing
- no charges for repair cost
- free car to drive while awaiting repair
- able to claim 90% to 100% of the total damage cost
(if cant claim 100%, the workshop will absorb the balance amt)
- all charges to be claimed from the taxi's insurance company
- dun have to pay a single cent for the whole procedure (everything)
got such gd stuff?
really appreciate the replies u guys give... thanks!!!
Let say the actual repair cost is about 8k, when the workshop file for a claim, they will always add in more so in the end they may be claiming for 10k.
But no matter wat, the workshop still wins, they reap the most benefit. Dun bring to car agent, they will not give you free upgrades, if you want, go outside shop, if you are not sure, PM me and I can let you know some contacts. hehe.. -
wah soundsystem like a bit overboard leh...Originally posted by drumstick:In a chain collesion, its always the last vehicle pays all..
Mai tu liao... ask the workshop add for your new bumper+new body kits+ a few more accessories.
It will all be claim from the taxi.
Your NCD will not be involved at all.
How I wish a taxi will bang my butt, I sure will ask the maximum stuff.
Negotiate with the workshop, ask them to help you. Or maybe can even change a new soundsystem inside .
Free upgrades worth up to 1.5k is in your hand, dun waste it.. lolz..
Depending on the damage cost, they can do alot of funny excess to top it up.
i juz want back my car the way it was...
but i scare repair here repair there, the car wont seem the way it was...
the feeling when u drive will be different...
but so easy to chop carrot ah?
i tot IDAC will come n take pics n assess the car? -
can get mc then get the guy to pay back ur pay
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There are alot of ways to get the insurance to pay more. It depends on how good the repo with the surveyor is. Coz in the end is the surveyor who will submit the report.Originally posted by tetsumi:wah soundsystem like a bit overboard leh...
i juz want back my car the way it was...
but i scare repair here repair there, the car wont seem the way it was...
the feeling when u drive will be different...
but so easy to chop carrot ah?
i tot IDAC will come n take pics n assess the car?
Just need to know that if bring to workshop outside, you can get 1k worth of goodies.
Judging from how you describe the damage, most probably is that front bumper and boot kenna. These 2 does not affect the car drive. As long as never hit the bearing hub, drive shaft, engine, suspension, etc it should be ok.
But 1 thing for sure, you will see 2 colour coating on your car body, unless the paint shop does a very good work. But I dun think so. Ask the workshop help you respray the whole car exterior as a bonous. But no free goodies anymore... -
HI !
To ask, if there is a chain accident , says 5 cars, but the practice the last car is at fault. But what if the last car only bang the 4th car, and the rest in front he is not at fault.
The last car jammed brakes and bang only into the 4th car. If this is the car, will there be a case to fight in court ? The damage of the last car is very minimum. which can prove that the small damage cannot cause the chain accident.
Anyone pls advice.
Thks
Jack -
they dumbly normalyl assume its the last car anyway so next time if you are the last car, reverse and ram backwards
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side track. what car u driving
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er.. i don't get youOriginally posted by g11259:HI !
To ask, if there is a chain accident , says 5 cars, but the practice the last car is at fault. But what if the last car only bang the 4th car, and the rest in front he is not at fault.
The last car jammed brakes and bang only into the 4th car. If this is the car, will there be a case to fight in court ? The damage of the last car is very minimum. which can prove that the small damage cannot cause the chain accident.
Anyone pls advice.
Thks
Jack
chain of 5 cars looks like this: [ 1 ][ 2 ][ 3 ][ 4 ][ 5 ]
then u say "but what if the last car only bang the 4th car" - er look at the "drawing" above. the 5th car obviously only bang the 4th car. it's called "chain" because 4th bang 3rd, 3rd bang 2nd, 2nd bang 1st. so i don't understand what u mean by 5th car bang 4th car and the rest in front he is not at fault..
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wat he means is if u sway, ppl bang finish liao den u pajiao go bang the [ 4 ] backside, wil u be paying for the whole chain?Originally posted by Vigelic:er.. i don't get you
chain of 5 cars looks like this: [ 1 ][ 2 ][ 3 ][ 4 ][ 5 ]
then u say "but what if the last car only bang the 4th car" - er look at the "drawing" above. the 5th car obviously only bang the 4th car. it's called "chain" because 4th bang 3rd, 3rd bang 2nd, 2nd bang 1st. so i don't understand what u mean by 5th car bang 4th car and the rest in front he is not at fault.. -
Then the owner of the fourth car got addtional year end bonus loh.......
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hmm... from wat i tink... if u r the 5th car, then when car 1, 2 and 3 buang already... then u hit car 4 n impact cause car 4 to hit car 3 again... chances r 50-50 i guess...?
BUT... if u hit car 4, then impact cause car 4 to hit 3 then 3 hit 2 then 2 hit 1. u will be paying for all.
anyway... i've received my car sometime back, the workshop did a very gd job in fitting in the whole new boot n respraying it, totally cant notice that my car was involved in an accident b4. but once u open my boot, u will noe that the boot is new, cos of the sound of the latch, a very loud plastic sound.
i was tinking.. maybe accident liao should bring back borneo motors let them repair better... at least the parts n workmanship is guaranteed.
next time no more private workshops for me. -
Dun worry lah, from what the workshop said is truth. I have frenz work in this line (Motorcycle and car) and he told mi that too!! But in the first place when you about to stop did you signal right or switch on your hazard light?Originally posted by tetsumi:the workshop told me everything will be claimed from the taxi's insurance, wont involve my insurance at all. i was wondering how true is that...
they said the repair cost, car replacement cost n towing will all be claimed from the taxi's insurance n wont touch my insurance at all n wont affect my NCD n such.
is it a gimmick or wat?
sounds a bit too gd to be true...