Car involved in serious accident.....sianz...

ReDeViL wrote:haiz...then how now???

really dunno what to do ler........at a lost...

go to AIG claim total lost? under what circumstances will they allow that?
imptly, othe rthan the 600 excess, what else do i have to pay up extra? my concern is costs.....

i red that AIG only allows certain workshops? means even if i go outside also i cant claim AIG?....

this situation really sux, appreciate all the kind advice guys...thx

Total lost means beyond repair. It could also be the case where the repair cost is above the car's maket value. It is determined by claim assessor and insurer. From the picture, it is definitely repairable. Chances of total loss is very slim.

Other than $600 excess, you have to pay GST. That's all for this accident. Next year renewal your excess and premium may increase.

If your insurance you took up through C&C, it is Auto Protector with AHAC (AIG). If you claim OD, you have to repair with authorised workshops. C&C is 1 of the authorised workshops.

My advise is claim OD. Repair with C&C or any preferred AIG authorised workshop. Unless you want to pay through your own pocket or ask the biker to pay for your damage or you claim 3rd party, then you may go to your own preferred workshops.

If the rider is drunk, his insurance can "throw cover" on him. However his motor insurance company has the obligation to pay the third party claim made against him.

In this incident, his motor insurance has to pay u for your damage and etc...

His motor insurance will not pay the drunk motor rider his motor bike damage and medical bills.

i believe insur. only comes in handy when death is involve.. imagine have to support opponent's family when his dead n family + kids got nobody 2support..(provided u r in wrong.)

many times, we dont have e time for a choice actually.. eg. buying additional pic of item for total30%off... is it a necessary??

miko komi wrote:If the rider is drunk, his insurance can "throw cover" on him. However his motor insurance company has the obligation to pay the third party claim made against him.

In this incident, his motor insurance has to pay u for your damage and etc...

His motor insurance will not pay the drunk motor rider his motor bike damage and medical bills.

i thought so too... let your insurance company pay for your repairs and then they can claim the money from the biker's insurance company

miko komi wrote:If the rider is drunk, his insurance can "throw cover" on him. However his motor insurance company has the obligation to pay the third party claim made against him.

In this incident, his motor insurance has to pay u for your damage and etc...

His motor insurance will not pay the drunk motor rider his motor bike damage and medical bills.

msia insurance.. i nv trust at all.. lolz..

So how what did the valuer say?

But still the front looks damn badly damaged. The bike hit your front at a very high speed? I thought our front bumper quite sturdy?

If able to claim total loss, would be good but your premium for future insurance will be haywire.....Try the wkshop that I used when kana accident, reliable and honest guy...wkshop called Chew Goon at AMK autopoint, call up Aaron Chew 96353392, off 64841626....very good at making good wreck vehicles with reasonable quote....my accident car kana by IDAC surveyor, quote overall repair $12K via Star Auto at Portsdown, called up Chew Goon, they towed back from Star Auto and assess by their own independent surveyor, quote only $6K plus...and repair was very well done, after 2 yrs everything was still running well.....

But frankly for this damage unless you seriously not going to drive or want to void your warranty i will advise you to go back to C&C at least after repairs got problem u still have 3yrs of ur warranty. Please consider this as your car is only 1 month old. My client's car also got wrecked worse than yours but went back to dealer to do and until now 3 years still running but of course minor problems here and there, at least covered under warranty. 13k claims all under OD.

so complicated...... but i oso think it will go repair....but if u get total loss ... i think much better.... good luck bro....

KG i think the bike crash in on high speed.

i think go back to CnC is better.

if you dun get total loss, then there is warranty coverage for future after ur repair. they might void if you have future problems with the car saying they did not repair when there is serious problem.

futhermore forte still considered new, you might not get all the parts you need if in other workshop.

lukester wrote:KG i think the bike crash in on high speed.

i think go back to CnC is better.

if you dun get total loss, then there is warranty coverage for future after ur repair. they might void if you have future problems with the car saying they did not repair when there is serious problem.

futhermore forte still considered new, you might not get all the parts you need if in other workshop.

yupz. We already spent so much on a car no point because of a 3-5k difference in repair which ultimately is paid by the insurer void our warranty and such.
The premium increment next yr may not be exactly that scary.
End of the day when u drive the car later will be be worried about warranty and do the outside workshop knows what to change especially our forte is largely electronic now.

if aig increase ur insurance, u can ask aural to get u the best package.....

JuanST wrote:if aig increase ur insurance, u can ask aural to get u the best package.....

I already asking ard cos this is a super pissing situation. See next yr possible to underwrite based on other people' gross neglience in case not able to claim from the 3rd party. So please keep the policy report.

i think insurance increase unavoidable, but for your best interest get it repair at somewhere trusted.

insurance lets think later.

safe would be cnc....
trusted is subjective....

i say safe - u cover both warranty and insurance...
if u go other shops even w express apporval by aig, not sure if ggonna have problems with cnc later....

JuanST wrote:i say safe - u cover both warranty and insurance...
if u go other shops even w express apporval by aig, not sure if ggonna have problems with cnc later....

Sure have problem.
Many people confuse insurance and warranty.

Warranty is linked to dealer, nothing to do with insurance.

Insurance if u want to go back to dealer to get ur warranty intact, then u may need to ensure ur insurance allows u to go back to dealer.

conclusion : shud go back to cnc for repair to cover warranty(cnc) and insurance (aig). if u want to change insurance the following year - if still under warranty , must make sure cnc is approved repairer ---- if not under warrantry, no need consider cnc as repairer....

JuanST wrote:conclusion : shud go back to cnc for repair to cover warranty(cnc) and insurance (aig). if u want to change insurance the following year - if still under warranty , must make sure cnc is approved repairer ---- if not under warrantry, no need consider cnc as repairer....

something like that. The last part about not under warranty no need consider C&C still depends on individuals. But the front 2 conclusion is recommended.

wah.. sjt sia.. thats so new car.. keep us update

JuanST wrote:safe would be cnc....
trusted is subjective....

aiyah, CnC is what i mean by trusted... as stated in earlier post..

went down to hospital to visit the guy.....
he just has a coupla sprained parts plus scratches.....no big deal....

then i got a worse news....bike doesnt belong to him......as though it couldnt get any worse....

seems pretty certain that i will simply have to claim my own insurance already.....

rotten luck...

collected my spare car which is provided by AIG b4 dat as well..driving the old cerato....how ironical....

i may go for the meetup in that...

well... really sad for you.. can understand tat...
as to many mentioned i think going back to CC for repairs seems better to me.. too.. as it will already hurt.. maybe should get 3rd party to verify of the fix too? (just a suggestion..?)
for the fella think you can start contacting the real owner of the biker,
get the name, place of work etc etc.. so to prepare yourself for contact...
insurance and verify everypiece of the information.. too..

lukester wrote:

JuanST wrote:safe would be cnc....
trusted is subjective....

aiyah, CnC is what i mean by trusted... as stated in earlier post..

i know..... but for me cnc is safe (warranty and insurance) ... trust.... hard to trust someone who always say "ur warranty will be void if u dun come to us"..... like a gun on ur head. i know it is business for them....but trust is to be earned... not demanded...

aural wrote:

kapitan wrote:let's assess the cost of damages based upon the pictures,.... can far as can see ...

bumper - 1500
headlights - 700
fender - 1500
windscreen - 1500
roof - 3000
rear D pillar - 700
rear bonnet - 1000
radiator - 1000
reinforcement bar - 5000
about 16k worth of physical damages, car have not been lifted up to check chasis..... engine may have shifted due to impact, have to check, may affect gear box if engine shifted,........

16 k not including other general services.....

the pictures posted looks like a total to me...

As much as i wish to agree, i dun think it is a total loss situation. This one, only the insurer will be able to let you know, not the SE, anyone else or the insurance adviser also.
It's math to the insurers, pay 20k to repair or pay 50k to buy u a new car.

Based on Pics, it is remotely similiar to my uncle's previous car ...

It was the 08 A4 .... Parked outside on his porch ...... Garbage Truck reversed never see properly ... Bang ... Backside hit car front which pushed the car back against the wall ... so in the end his front back and house wall all kena ....

He claimed total loss and ard 4 - 8 mths later he got a spankiing new car ........ he got a replacement car during the down time .... Just my 2 cents laaa

Hope it helps

ForteBoy wrote:

aural wrote:

kapitan wrote:let's assess the cost of damages based upon the pictures,.... can far as can see ...

bumper - 1500
headlights - 700
fender - 1500
windscreen - 1500
roof - 3000
rear D pillar - 700
rear bonnet - 1000
radiator - 1000
reinforcement bar - 5000
about 16k worth of physical damages, car have not been lifted up to check chasis..... engine may have shifted due to impact, have to check, may affect gear box if engine shifted,........

16 k not including other general services.....

the pictures posted looks like a total to me...

As much as i wish to agree, i dun think it is a total loss situation. This one, only the insurer will be able to let you know, not the SE, anyone else or the insurance adviser also.
It's math to the insurers, pay 20k to repair or pay 50k to buy u a new car.

Based on Pics, it is remotely similiar to my uncle's previous car ...

It was the 08 A4 .... Parked outside on his porch ...... Garbage Truck reversed never see properly ... Bang ... Backside hit car front which pushed the car back against the wall ... so in the end his front back and house wall all kena ....

He claimed total loss and ard 4 - 8 mths later he got a spankiing new car ........ he got a replacement car during the down time .... Just my 2 cents laaa

Hope it helps

To be exact he cannot say he want to claim means can claim. Default we also hope that would become a total loss and at least a new car will come up. Still depends on the insurer's assessment if can repair or not and if the cost is worth it.

Aural, If claim total loss, next premium will increase by around how much?

I dun think happy happy want to claim total loss then can claim total loss one le...

If I am not wrong... it must be structurally unsound before that can even happen.

But from the description... the frame / main structure does not seem to been damaged.

bro leave it to the insurance company.

i had a similar case,but the driver not drunk,for that im not sure hw u go abt.

my claim 2.5 yrs. 16k was the amount in the end settle for 8k.

lawyer say gd enough to have if not settle in malaysia lagi low(in rm)...

gd luck with your claim.

joepele wrote:I dun think happy happy want to claim total loss then can claim total loss one le...

If I am not wrong... it must be structurally unsound before that can even happen.

But from the description... the frame / main structure does not seem to been damaged.

ooiks wrote:bro leave it to the insurance company.

i had a similar case,but the driver not drunk,for that im not sure hw u go abt.

my claim 2.5 yrs. 16k was the amount in the end settle for 8k.

lawyer say gd enough to have if not settle in malaysia lagi low(in rm)...

gd luck with your claim.

Yes to both. The damage looks bad but i saw worse dmg but not total loss. Sorry if i sound -.- but dun want to bring up red devil's hopes of insurer "most" prob will give total loss.

i wonder how is Redevil car status now?

impact2001 wrote:i wonder how is Redevil car status now?

its still at the C&C @ Pandan....hehe

went down a few days ago to pass the staff some documents...then took a look at my ride...

damaged parts almost totally removed except boot and windscreen......

bad news is that they will have to remove the engine to get to a part to replace which is unreachable....
means repair will take a bit longer....

3 more weeks and counting....

just to detract a little.....i am driving the car provided by AIG to cover this period where my ride is under repair...
is this covered till i get my car back or only 15 days?
insurance say cover 15 days.....car rental agreement say till i get my car...lol....
which is which?

ReDeViL wrote:

impact2001 wrote:i wonder how is Redevil car status now?

its still at the C&C @ Pandan....hehe

went down a few days ago to pass the staff some documents...then took a look at my ride...

damaged parts almost totally removed except boot and windscreen......

bad news is that they will have to remove the engine to get to a part to replace which is unreachable....
means repair will take a bit longer....

3 more weeks and counting....

just to detract a little.....i am driving the car provided by AIG to cover this period where my ride is under repair...
is this covered till i get my car back or only 15 days?
insurance say cover 15 days.....car rental agreement say till i get my car...lol....
which is which?

Usually there is a limit to the number of days for the courtesy car. Better check, cos the rental agreement most prob is not from AIG but the rental car company which they do not car if you pay or the insurer pay.

You not at fault ... You can claim the cost of the rental car from your insurance company (AIG).... i guess you can use the car until your car is out from the workshop.

miko komi wrote:You not at fault ... You can claim the cost of the rental car from your insurance company (AIG).... i guess you can use the car until your car is out from the workshop.

Usually if it is not our fault, we will claim the loss of use from 3rd party so how long also dun really matters. But this situation, he is claiming OD i assume so really depends how the case goes and if the 3rd party claims can go thru without problem. Else i'm just worried his additional loss of use in excess of the norm might have to be borne by himself.

ReDevil, Sorry to hear what had happened to your so new forte.. ( only 40days old) ... when I see the picture, I can feel very heartpain for you.. ( My bf's forte also got a little small dent on the back, I also feel sad for the car so I can feel for you..imagine a perfect ride turning into such a state)

from your descriptions, the reckless + drunk biker seem also badly injured.. since he managed to damage your car to quite a great extent. but glad that he is safe, and most important you are safe!

Dont worry too much, you are on the winning side , because he was drunk riding! ( but just so sway met with a foreign rider)

I not too sure how insurance side work.. but hopefully your car damage can be borne by the insurance company, so that it wont burnt your pocket..

Take care bro!

Wa lao, so jim! So ma huan!

In Malaysia the same case. The insurance agent told me before that even if the biker is at fault, they still claim bodily injury. At the end, we still lose NCB. As for your case, wouldn't the TP charge that fella first? If the insurance didn't cover, he sure go to jail. Where got money to pay summons or fine? Not to mention your claim.

sagi73 wrote:Wa lao, so jim! So ma huan!

In Malaysia the same case. The insurance agent told me before that even if the biker is at fault, they still claim bodily injury. At the end, we still lose NCB. As for your case, wouldn't the TP charge that fella first? If the insurance didn't cover, he sure go to jail. Where got money to pay summons or fine? Not to mention your claim.

Provided this guy is still in S'pore by then

ReDeViL wrote:

impact2001 wrote:i wonder how is Redevil car status now?

its still at the C&C @ Pandan....hehe

went down a few days ago to pass the staff some documents...then took a look at my ride...

damaged parts almost totally removed except boot and windscreen......

bad news is that they will have to remove the engine to get to a part to replace which is unreachable....
means repair will take a bit longer....

3 more weeks and counting....

just to detract a little.....i am driving the car provided by AIG to cover this period where my ride is under repair...
is this covered till i get my car back or only 15 days?
insurance say cover 15 days.....car rental agreement say till i get my car...lol....
which is which?

You claiming OD? Then it covers 15 days. 3rd party claim then insurance covers till you get your car. Rental agreement is not wrong as you can drive as long as your car is still in the workshop. However after the 15 days cover, somebody (definitely not AIG) is going to pay for the extra days. Better to check with C&C whether they are doing OD claim or 3rd party claim for you. Talk to Ms Loi. She's the most responsible and informed SA in C&C Pandan and she can definitely help you. If OD, tell her your insurance only covers for 15 days and ask her to expedite the repair for you.

What did the AIG say about the estimated cost of the damage?
My recent minor accident involving a van, which reverses and hit my front (side), already cost me $4000 .

Come to think about it.... sometimes we r in this position cos of the fault of another person .... but what to do?

Potatoes wrote:What did the AIG say about the estimated cost of the damage?
My recent minor accident involving a van, which reverses and hit my front (side), already cost me $4000 .

Come to think about it.... sometimes we r in this position cos of the fault of another person .... but what to do?

I have to say this ia super suck thumb situation.
Myself included had been in such situation (i.e other people's fault but just no witness)
For insurance side, they can only judge based on evidence, witness accounts and court hearings ( if any) to do the payout accordingly.

For me there is a bar to look at 80-20.
Usually if you are deemed (though not your fault) to be the driver at fault, you can inform the insurer of that you are happy or unhappy with the decision made (i.e the court rule you are 70% at fault) and they will be able to see if they can proceed with a hearing to lower ur liability. If the situation does not look good, by increasing ur liabilty to 50/50 might be good enough.

Do note one thing. everytime the case is reviewed, lawyer fees are paid. It is being thrown into the total bill.
e.g 2nd bill 5k and you are liable for 50% i.e 2.5k
But fight another round to lower it to 40% but the lawyer fees comes up to another 2k+ your liable portion also goes back to 2.5k

It did not do your NCD any good but the lawyers earn more fees.

So unless you can be more or less certain to fight the case until 80/20 then getting a 50/50 is good.
My lawyer and the other party's lawyer told each of us that our chances very high. (normal salesman talk) So the other party initially was awward 70/30 he wanted to push to 80/20 but ended up 50/50.

just finish the guy off in hospital

aural wrote:

Potatoes wrote:What did the AIG say about the estimated cost of the damage?
My recent minor accident involving a van, which reverses and hit my front (side), already cost me $4000 .

Come to think about it.... sometimes we r in this position cos of the fault of another person .... but what to do?

I have to say this ia super suck thumb situation.
Myself included had been in such situation (i.e other people's fault but just no witness)
For insurance side, they can only judge based on evidence, witness accounts and court hearings ( if any) to do the payout accordingly.

For me there is a bar to look at 80-20.
Usually if you are deemed (though not your fault) to be the driver at fault, you can inform the insurer of that you are happy or unhappy with the decision made (i.e the court rule you are 70% at fault) and they will be able to see if they can proceed with a hearing to lower ur liability. If the situation does not look good, by increasing ur liabilty to 50/50 might be good enough.

Do note one thing. everytime the case is reviewed, lawyer fees are paid. It is being thrown into the total bill.
e.g 2nd bill 5k and you are liable for 50% i.e 2.5k
But fight another round to lower it to 40% but the lawyer fees comes up to another 2k+ your liable portion also goes back to 2.5k

It did not do your NCD any good but the lawyers earn more fees.

So unless you can be more or less certain to fight the case until 80/20 then getting a 50/50 is good.
My lawyer and the other party's lawyer told each of us that our chances very high. (normal salesman talk) So the other party initially was awward 70/30 he wanted to push to 80/20 but ended up 50/50.

I learnt this last night. It's call comparative negligence!

KingJerry wrote:

aural wrote:

Potatoes wrote:What did the AIG say about the estimated cost of the damage?
My recent minor accident involving a van, which reverses and hit my front (side), already cost me $4000 .

Come to think about it.... sometimes we r in this position cos of the fault of another person .... but what to do?

I have to say this ia super suck thumb situation.
Myself included had been in such situation (i.e other people's fault but just no witness)
For insurance side, they can only judge based on evidence, witness accounts and court hearings ( if any) to do the payout accordingly.

For me there is a bar to look at 80-20.
Usually if you are deemed (though not your fault) to be the driver at fault, you can inform the insurer of that you are happy or unhappy with the decision made (i.e the court rule you are 70% at fault) and they will be able to see if they can proceed with a hearing to lower ur liability. If the situation does not look good, by increasing ur liabilty to 50/50 might be good enough.

Do note one thing. everytime the case is reviewed, lawyer fees are paid. It is being thrown into the total bill.
e.g 2nd bill 5k and you are liable for 50% i.e 2.5k
But fight another round to lower it to 40% but the lawyer fees comes up to another 2k+ your liable portion also goes back to 2.5k

It did not do your NCD any good but the lawyers earn more fees.

So unless you can be more or less certain to fight the case until 80/20 then getting a 50/50 is good.
My lawyer and the other party's lawyer told each of us that our chances very high. (normal salesman talk) So the other party initially was awward 70/30 he wanted to push to 80/20 but ended up 50/50.

I learnt this last night. It's call comparative negligence!

once i settle my issue. i will tell how good aig service is.

JuanST wrote:

KingJerry wrote:

aural wrote:

Potatoes wrote:What did the AIG say about the estimated cost of the damage?
My recent minor accident involving a van, which reverses and hit my front (side), already cost me $4000 .

Come to think about it.... sometimes we r in this position cos of the fault of another person .... but what to do?

I have to say this ia super suck thumb situation.
Myself included had been in such situation (i.e other people's fault but just no witness)
For insurance side, they can only judge based on evidence, witness accounts and court hearings ( if any) to do the payout accordingly.

For me there is a bar to look at 80-20.
Usually if you are deemed (though not your fault) to be the driver at fault, you can inform the insurer of that you are happy or unhappy with the decision made (i.e the court rule you are 70% at fault) and they will be able to see if they can proceed with a hearing to lower ur liability. If the situation does not look good, by increasing ur liabilty to 50/50 might be good enough.

Do note one thing. everytime the case is reviewed, lawyer fees are paid. It is being thrown into the total bill.
e.g 2nd bill 5k and you are liable for 50% i.e 2.5k
But fight another round to lower it to 40% but the lawyer fees comes up to another 2k+ your liable portion also goes back to 2.5k

It did not do your NCD any good but the lawyers earn more fees.

So unless you can be more or less certain to fight the case until 80/20 then getting a 50/50 is good.
My lawyer and the other party's lawyer told each of us that our chances very high. (normal salesman talk) So the other party initially was awward 70/30 he wanted to push to 80/20 but ended up 50/50.

I learnt this last night. It's call comparative negligence!

once i settle my issue. i will tell how good aig service is.

What happen? What's the issue?

just dropped by pandan gardens today to return my rental car covered by AIG....

then went to the workshop to take a look at my ride....



i could have collected the car today if not for crappy C&C service......

they called me today in the morning to say car cannot collect today, can only collect tomolo coz bumper got scratch need to touch up spray.....i was like wtf???

when i went to the workshop to look at my car.....i realised that there were no scratches......
then i realised what had gone wrong...
i had told them initially when the car was sent in NOT to drill the additional four holes in my front bumper as i wanted to do my own license plate.....
sadly...upon inspection of my bumper.....they had already gone ahead to drill the holes......
approached the service guy and he then admitted that its becoz they have to change the bumper for me coz of this.... thats why delay a full day then can collect car......zzzzzzzzzz

additionally....i have originally swopped the front "square" license plate to the rear to make it look better....realised upon inspection that they had swopped out my "square" one with the rectangular one...told me its brand new have to charge me for it....
i was like wtf again..
demanded that they get me back my old license plate and better dun charge me for what doesnt need to be changed....

overall.....thats crappy C&C servicing ...guys do take note.....
haiz....i had tot pandan garden serve should be better...guess not.

on the bright side.....at least i am getting my ride sooner than i thought.....
should be meeting up with you guys for the next meetup

Alignment, alignment, ALIGNMENT!

From uniform gaps/spacing between all body panels to accurate(steering) wheel tracking.

Also, stand some distance away from your car when parked on a flat, level road. Walk all around the car to make sure it's not slanted or tilted(lop-sided) where it's not supposed to be. Do this when you collect your car and once more after driving for some time(e.g. when you reach home).

Many more things to check, really. You could even get an inspection done by AA to ascertain the quality of the technical aspects and alignment work after the car is repaired. These days, model-specific jigs and fixtures are used to ensure tight tolerances are achieved. C&C should have all these.

BR,
w a y

Good to hear that.
Remember to check your alignment of your car. I know some cars may feel weird after a major repair especially the wheel alignment.

hmm....noted....

though to be fair.......despite the car looking pretty badly knocked up from the acident..damage was largely cosmetic other than the radiator...rest are all the panels.....i'm just happy suspension/engine never kena...

will be opening my ears and ears big big though when i collect my ride....
butt also will make sure super sensitive to any changes...