Important Measures to Take After Being in a Car Accident

As required by law in Singapore, owners of vehicles must own a motor insurance policy. While this is a helpful law, there are times that a pay-out will be delayed or, even worse, not be paid out at all. It is terrible and traumatic enough to be involved in a car accident, you will be wrought with worry, and the financial implications would only serve to make the experience worse.

India International Insurance fully understands your concerns, and we are here to help you know the causes that may cause these hindrances and delays.

Seek advice from your insurance provider

If you are involved in a car wreck, you should always contact your provider as soon as possible. They will be in the best position as to what to do next. However small it may seem, this step will stand you in good stead.

Do not take matters into your own hands

Never attempt to negotiate or make an offer to settle the issue out of pocket to the third party. Whilst it may be a sensible thing to do amidst the chaos, it may end up backfiring, and you may end up being the one who gets blamed for the car accident.

This action will affect the claims process and risk your current motor insurance policy. It is best to leave it up to your provider to ascertain the parties’ culpability.

Be vigilant and document everything

It would serve you well to picture and document everything. You would not be remiss in getting all the details before the fact. There are a couple of essential things that you should take note of, and they are:

· The details of the particulars, plates, and models of all the vehicles of all the parties involved:

It is of utmost importance that you take down those involved’ names, numbers, and license numbers. It is also vital that you note down the make and models of the vehicles.

· Take note of injuries suffered:

While it is unfortunate, it would serve you well to note down the details of all injuries sustained as it will minimise the risk of unverified claims from all involved.

Leave your vehicle alone

After the car accident, do not touch your vehicle until you have taken down all the material evidence. You will open the door for the other claimants involved to contradict your account of the events if you do so.

Wait till you are instructed by the authorities to move your vehicles. Even if that is the case, engage a witness to verify your account of what happened. This will ensure that there will be no discrepancies or disputes.

Be sure to have an onboard camera

Investing in a dashboard camera may seem frivolous, but getting a camera on the higher end of the spectrum will serve you well. A good quality camera will prove key when you relay the events of what happened and serve as documentary proof so that your accounts can’t be disproved.

Get your claims in within 24 hours

You may wonder why we provided you with all the points mentioned above. This is where all those points would come together and aid you when the time comes to submit your claims. With all the evidence in hand, file the accident report and submit your claim within 24 hours of the incident.

Your due diligence and vigilance will be fully rewarded when it comes to your claims and not jeopardising your No-Claim Discount (NCD).

Conclusion

A comprehensive motor insurance policy can only benefit you in the long term. At India Insurance International, we pride ourselves on being one of the utmost and prime purveyors of motor insurance. So don’t hesitate, get in touch with us now! Let us help set your mind at ease and help allay your fears.