What Happens If You Get Into An Accident With A Financed Car

What Happens If You Get Into An Accident With A Financed Car – Worried about being the victim of a fake accident? This is what you need to protect yourself.

Have you ever been in a car accident and realized the shady nature of some drivers – especially those who try to turn the incident to their advantage and charge you thousands of dollars?

What Happens If You Get Into An Accident With A Financed Car

Let’s face the truth about car accidents in Singapore – some are organized by organizations to make a quick buck, while others just involve opportunistic (or unscrupulous?) drivers who file claims for their own benefit. increase… for all your expenses.

Rental Car Accident

For experienced drivers, these stories are common or you may have experienced them yourself. But if you own a new car, it’s natural to feel nervous when you have a motorcycle accident.

Like the “buffet syndrome”, which will cover the health sector if the authorities do not intervene.

Learn to recognize the common tactics these reckless drivers use so you’re less likely to be the victim of the next accident.

Some drivers use accidents (no matter how small) to get more money from other parties. It is easy to recognize the drivers who have these opportunities: they usually ask you for a special agreement in cash (usually a lot of money), if you refuse, they threaten to file a claim with your insurance company and demand compensation from you they do

What Happens If You Get Hurt In A Car Accident With An Unlicensed Driver?

Aside from car repair costs, one thing you need to consider is if the other party has a “false personal injury claim where the personal injury is grossly exaggerated.” It has also been cited as an example of car insurance fraud in Singapore by the General Insurance Association.

My husband and I have been in two recent accidents and here is the difference between the two.

My husband was unfortunate enough to experience an incident recently where the other party tried to demand $42,000 without a serious kiss. It made us learn a lesson and I hope our experience will help prevent others from a similar fate.

You can see no damage to either car (black rear, silver front):

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The only way I suspected the other driver was up to anything was his behavior at the scene. He took a picture of my husband’s NRIC but refused to give me a copy of my own and refused to allow my husband to take a picture of his passenger in the car for “private” reasons.

After receiving the letter from his lawyer, we found out why he is suspicious of this site – because his offer of 10 thousand dollars and 13 thousand dollars for passengers was impossible in the photos and videos. .

In a 2017 research study on insurance fraud, it was found that one of the most common fraudulent claims in auto insurance claims is collisions and collisions. On this basis, the other party demanded 18 thousand dollars from us.

The funny thing is that I had initially selected this man’s company from my list of possible interior design companies to work with, but this incident made me realize a negative aspect of this person’s character that made me su’Aalo, I think they use it. the same. The work ethics of their clients is involved in change, which is why we are regularly blacklisted.

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Note: Another friend of ours has also previously been involved in an auto insurance fraud case where the other side tried to claim several thousand for “whiplash” (another medical problem to prove) and “lost income”. Do you see a similar pattern emerging?

Even if you have a video recording of the accident, how should you avoid it and prove that the so-called injuries are actually non-existent or definitely exaggerated?

Also, in the case of my husband, a repair shop was used, which had been in operation for about 1 year. This is a huge mistake that we have avoided because by the time the other side goes to an unauthorized school, it is too late.

A few months later, another accident happened when a taxi driver hit my husband’s car in the parking lot. It’s not just a “kissing” light; negative effects are perceived. In this case, the damage is clearly visible:

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When he got out of the car, the first words that came out of the taxi driver’s mouth were apologies, we wanted something more than his insurance. He looked horrified and said that usually when accidents like this happen, fraudulent drivers file tens of thousands in claims against him and his insurance company.

“Are you hurt? Please don’t do this to me,” she begged. It made me wonder how many times she had dealt with such bad drivers before.

My husband assured her that he would only file a claim where the car was damaged and not anything else such as damages or replacement of the entire car.

$4,000 for the left side of our car that was damaged by the rest of the blue paint from the cab.

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$42,000 for a light kiss where you can barely see any damage compared to $4,000 for an accident where a taxi ran our car off the road.

When we learned about my husband’s mistakes, we learned a few important things to prevent things like accident 1 from happening to us in the future:

The best bet is to always record video from the dashboard camera, so make sure you do.

If you are involved in an accident, always take as many pictures as possible of the vehicle and all passengers.

What Happens If You Get Into A Car Accident Without Insurance?

You can call me kiasu, but I personally record the scene of the car, the driver and all the passengers involved. Here are my other “unusual” tips:

Using Aviva as an example, you can check their list of auto repair shops including ComfortDelgro Engineering Pte Ltd, Tan Chong Motor Sales Pte Ltd and Kah Motor Co. SDN. Bhd

With unauthorized workshops popping up and helping drivers with extensive repairs (usually not accidents), there’s not much you can do to reduce claims here.

I asked Aviva’s motor claims manager how he deals with such claims, especially if he believes they are fraudulent given the scope of the tactic, and here’s what he had to say:

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SGBB: How is the insurance industry dealing with these claims? How to deal with this crazy inflation? Chua. It should be understood that certain inflation levels are valid for negotiation purposes. But general inflation can be difficult. SGBB: How is Aviva dealing with increased demand?

Chua: Aviva deals with exaggerated claims by subjecting all claimed vehicles to an inquiry by an automotive specialist to ensure that the claimed damage matches the reported accident. One of the ways we try to help our customers at Aviva Prestige is to activate our on-site accident service by calling us and we will dispatch our mobile accident response service personnel to the scene within 20 minutes. With an independent party owned by the insurer, the incidence of inflated claims is reduced.

Chua: Yes, there are cases where the claimant refuses to pay the insurance company because they want more. They usually hire their own motorcycle surveyors and also a lawyer to discuss the case, which increases the cost. There is a legal process that involves a single joint expert appointed by a judge to assess maintenance costs and determine the final settlement amount.

SGBB: We understand that unauthorized workshops also contribute to the increase of such cases, especially when the driver takes the opportunity to modify the car, because he can now order it. How can we prevent it?

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Chua: At the end of the day, it’s all about educating people about how a driver can react to an accident. We urge drivers not to go to any unknown workshop or workshop recommended by the site. The level of maintenance of many car parks in Singapore is so good that it is impossible to understand if a car has been involved in an accident after repairs. However, when the opportunity arises to make a claim, they want everything new. In some cases, our insurer may wish to consider a special arrangement as a full claim will always be more expensive.

SGBB: What advice would you give to drivers in case of an accident? Chua: Never get angry when an accident happens. Stay calm and record all the evidence you have

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