It is always the perennial gripe of many car insurance policy holders – either the claims process is overly complicated or it takes forever for the claims process to complete. Sometimes, it is a combination of both, which makes matters worse.
In some instances, the delay could be a result of some of the basic things being missed during reporting of motor accidents. The General Insurance Association of Singapore has an established Motor Claims Framework (MCF), which provides clear and common procedures on what to do in an event of a motor accident. These are the key points you should remember.
1. Exchange Particulars and Take Pictures of the Accident Scene
Involved parties should exchange particulars including: name, NRIC, Phone Number, Address and Insurer. Also, take note of the vehicle number. Take pictures of the accident scene including vehicles involved in the accident and damages to your vehicle, capturing your license plate.
2. Call Your Insurer’s Claims Hotline
Immediately contact your insurance hotline for a tow truck or for further advice on the accident.
3. Report Within 24 Hours
Whether your vehicle is damaged or not, report and bring your accident vehicle to the approved reporting centre/authorised workshop within 24 hours or by the next working day. If not, your No Claims Discount (NCD) may be affected and your claim may be prejudiced
For more information about MCF and other frequently asked questions, click here.
Difficult Claims Process from Other Insurers
In spite of you following the Motor Claims Framework to the letter, there are still instances wherein the claims process is downright difficult. In fact, we read in some Singapore car forums and blogs that painful claims process is a perennial issue with some insurance providers while others complain because some insurers “do not have claims experiences yet.”
You May Be Interested In: Insurance Advice and Tips from a Claims Expert
In these situations, the best thing to do, really, is to exercise your power to choose and go for an insurer that provides a hassle-free claims process that takes the burden off you and works to complete your claims process, fast!
DirectAsia Provides Personalised Claims Specialist
As Singapore’s leading direct car insurer, DirectAsia also leads in making customers happier – and for good reason. DirectAsia provides personalised claims specialist who would assist you until your claim is resolved. On top of that, you can customise your policy so you only pay for what you need. With this, you can put the days of difficult claims process behind you. After all, having a car insurance should give you peace of mind, not sleepless nights.
We make insurance better. So you can get on with being happier. Get a car insurance quote now!
What’s your key criteria in choosing a car insurance company? Let us know in the comments section below.