What Happens If You Get Into Car Accident Without Insurance

What Happens If You Get Into Car Accident Without Insurance – Worried about becoming a victim of a fraudulent car accident? Here’s what you need to do to protect yourself.

Have you ever been in a car accident that made you realize the shady nature of some drivers – especially those who try to turn the incident around and demand thousands of dollars from you?

What Happens If You Get Into Car Accident Without Insurance

Let’s face it about road accidents in Singapore – some are orchestrated by syndicates to make a quick buck, while others simply involve opportunistic (or dishonest?) drivers inflating claims for their own benefit… all at your expense.

What Happens If You Don’t Buy Car Insurance To Save Money?

For experienced drivers, these stories are common or you may have encountered them yourself. But if you’re a new car owner, it’s natural to be worried when your first motorcycle accident happens.

Just like the “buffet syndrome” that plagues the healthcare sector (where consumers don’t have to pay hospital bills because of insurance), the same is happening in the automotive sector; unless the authorities have already intervened.

Learn to recognize the common tactics these dishonest drivers use to make you less likely to become the next unfortunate victim.

Some drivers take advantage of accidents (no matter how minor) to claim large sums of money from third parties. These opportunistic drivers are easy to spot: they often demand a private monetary settlement (often an exorbitant amount) and, if you refuse, threaten to file a lawsuit against your insurance company and sue you for damages.

What Not To Do If You’re In A Car Accident

Aside from the cost of repairing the vehicle, one thing to watch out for is when the other party files a “false personal injury claim where the personal injuries are grossly exaggerated.” This has also been highlighted by the General Insurance Association as an example of car insurance fraud in Singapore.

My husband and I have recently been involved in two recent accidents and here is the difference they both made.

My husband had the misfortune of having one such mishap recently when the other party tried to demand S$42,000 for nothing more than a profuse kiss. We have learned some lessons as a result and I hope our experiences will help prevent others from suffering the same fate.

You can barely see the damage on both cars (rear on the black car, front on the silver):

What To Do After A Car Accident In Florida?

His behavior at the scene made me suspect that the other driver did not have honest intentions. He took a photo of my husband’s NRIC but refused to give him his own copy and did not allow my husband to take a photo of his passenger in the car for “privacy”.

It wasn’t until we received a letter from his lawyer that we understood why he was behaving so suspiciously at the scene – because the photos and video made his demands of $10,000 and $13,000 from his fellow passengers impossible. .

A 2017 insurance fraud research study found that one of the easiest injuries to fake when applying for auto insurance is sprain and strain claims. In our case, the other party tried to claim $18,000 on this basis.

Surprisingly, I separately initially selected a male company from our list of possible interior design companies to work with, but this mishap made me see a bad side of the person’s character that made me wonder if they were using the same operating ethics of their client so, to include them in the modification, so we blacklist them permanently.

What To Do If You Get Into An Accident While Driving?

Side note: Another friend of ours has also been involved in auto insurance fraud in the past where another customer tried to claim several thousand dollars for a “neck injury” (another hard to prove medical condition) and “loss of income.” Do you see a similar pattern emerging?

Even if you have a dashboard view of the accident, how can you go back and prove that the so-called injuries did not actually exist or were exaggerated beyond a reasonable doubt?

In addition, in my husband’s case, a workshop was used, which was in operation for almost a year. This is a big mistake that cannot be avoided, because by the time the other party goes to an unauthorized car repair shop, it is already too late.

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

What To Know If Someone Runs You Off The Road And Causes You To Crash

When he got out of the car, the first words out of the taxi driver’s mouth were an apology, and then whether we would compensate his insurance a lot. He looked horrified and said that usually when accidents like this happen, dishonest drivers make tens of thousands of claims against him and his insurance company.

“Are you hurt? Please don’t do this to me,” she begged. I wondered how many times he had encountered these dishonest drivers that he was so concerned.

My husband assured him that he will only claim the damaged part of the car and will not claim anything else such as damages or modifications to the entire car.

$4,000 for the left side of our car that was damaged and had blue paint coming out of the cab.

Car Accident With An Uninsured Driver

$42,000 for a light kiss where you can barely see the damage, compared to $4,000 for an accident where a taxi hit us and sent our car off the tracks.

We have learned from my husband’s mistakes and learned some important things to prevent things like accident 1 from defeating us in the future:

It’s best to always record video from the dash cam, so make sure it’s working.

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

What If You Leave An Accident Scene?

You can call me kiasu, but I will personally film the scene with the vehicle, driver and all passengers involved. Here are my other “unconventional” tips:

Using Aviva as an example, you can check out their approved car repair list which includes names like ComfortDelgro Engineering Pte Ltd, Tan Chong Motor Sales Pte Ltd and Kah Motor Co. Sdn. Bhd.

When unauthorized repair shops step in and help drivers with more extensive repairs (mostly not due to accidents), there is little you can do to reduce claims from here.

I interviewed Aviva’s head of motor claims about how he handles such claims, especially if he suspects they are fraudulent given the prevalence of such tactics, and he had this to say:

What Happens If You Crash A Leased Car?

SGBB: How does the insurance industry handle these complaints? How can such crazy inflation be accepted? Chua: The industry handles inflated or fraudulent claims by ensuring that all drivers involved in accidents submit accident reports within 24 hours of the incident. It should be understood that certain inflation rates are valid for trading purposes. But raw inflation can be misleading. SGBB: How is Aviva coping with increasing demands?

Chua: Aviva handles inflated claims by having all claimed vehicles inspected by a professional inspector to ensure that the reported damage is consistent with the reported accident. One of the ways we try to help our Aviva Prestige customers is that they can activate our on-site disaster service by calling us immediately and we will send our mobile disaster response officer to the scene within 20 minutes to help. With an independent client from the insurance company, the occurrence of inflated claims will be reduced.

Chua: Yes, there are scenarios where an investor rejects an insurance company’s offer because they want more. They usually involve their auto inspector and attorney to resolve the dispute, which adds to the cost. There is a legal process to involve a joint expert appointed by a judge to estimate the cost of repairs and determine the final settlement amount.

SGBB: I understand that unauthorized workshops also contribute to the prevalence of these cases, especially when the driver takes the opportunity to make major modifications to the car, as they can now claim third-party invoices for alleged “accidental damage”. How can we avoid this?

What To Do If You’re Involved In A Car Accident

Chua: At the end of the day, it’s about educating the public about how a driver should respond to an accident. Drivers are advised not to visit any unknown or recommended local workshop. The standard of repairs carried out by many car repair shops in Singapore is so good that we cannot tell if the car has been involved in an accident after the repair. But when the opportunity to claim arises, they want everything new. In some cases our insured may wish to consider a private settlement as a joint claim will always be more expensive.

SGBB: What would you advise drivers in the event of an accident? Chua: Never be angry when an accident happens. Remain calm and record all available evidence

If i get into a car accident without insurance, what happens if i get into a car accident with no insurance, what happens if you get into a car accident without insurance, what happens if u get into an accident without insurance, if you get into a car accident without insurance, what happens if i get in an accident without insurance, what happens if i get into an accident without insurance, what happens if you get into a car accident, what happens if you get in an accident without insurance, what happens if you get into an accident without car insurance, what happens if you have an accident without insurance, what happens if you get into a car accident with no insurance