Advice needed on accident (insurance claim)

Hi guys, my car got hit from behind on wednesday morning at a junction. As this is my first tme claiming insurance against the other party, i hope to get some advices from bros and experts here.

I was travelling along sembawang road while on the way for a meeting on wednesday morning. I stopped at the junction on red light, moments later a lorry hit my vehicle on the rear right side, damaging the rear lamp, car body and bumper.

Both of us got down to inspect the damages and exchange particulars in a rather civilised manner. No heated words were exchanged. He admitted he is at fault and said sorry. He also called his boss to inform him and I overheard him telling his boss that there is no way to argue, he is the one at fault (he spoke in hokkien).

I took down his particulars, company's name (as it is a company lorry) and also pictures of the damages and vehicles' position on the road and proceed to go home to get my insurance cert.

I made my report via cycle & carriage (driving a cerato forte) on the same day afternoon and the other guy called me later on and told me he has also made his report via Idac.

Now the C&C guy helping me to file the report told me I have two choices basically.

One, do the repairs and claim under my own insurance first and backcharge the claims to the other party's insurance if it is found to be his fault later (I do not want this).

Two, wait for the other party to make his report and see whether he admit to his liability. If he did admit, i can claim against his insurance. If he doesn't admit, I have to wait until a surveyor is call in and wait for this person to determine the fault of both parties. Basically he told me I'm at the mercy of the other party now.

However 2 days have passed and I've yet to hear anything from any persons yet. I have some questions on my mind which I hope you guys can help me with.

1) Though the other party told me he has already made his report to Idac, is there anyway i can verify this?

2) If he has indeed made his report with Idac, will Idac forward his case to his insurance company in order to proceed with my claim?

3) Typically how long does it take to settle all the claim matters if the other party admit to his liability?

4) How long does it normally takes to settle the survey and claims if the other party does not admit to his liability?

5) What can I do if the other party did not made his report? Have to keep waiting?

6) What can I do in the meantime to expedite my claims? Or like what the C&C guy told me, I'm at the mercy of the other party now and have to wait incessantly if he does not make his report?

I do not want to keep waiting aimlessly and not knowing what to do and which person to call. Furthermore I need my car soon as I'm getting married next month and I wish to drive my own car instead of some rented car or other car.

Guys, sorry for the long posts and numerous questions. Really appreciate if you guys can give some advices. Thanks!

Probable answsers

Welcome to the forums. Personally, just based on the pictures you provided, that looks like crap. What do the rest of the walls in the house look like?

It shouldn't affect whether you get homeowner's insurance or not, but any reported structural damage would definitely affect getting a home loan in almost all cases. If the lender requires a pest ...

i have not been happy with them. they only authorize the minimim. we had electrical issues that stemmed from the ciruit box. because the box did not fail-they would not authorize the replacement. ...

Farmers Mutual is a local co-op insurance. They specifically state there is no coverage for theft or liability. It is basically only wind and fire. Although I have never made a claim, I know those ...

It shouldn't be a problem to run them all, but it seems to me someone is a little paranoid? Just my opinion though, I'm sure you have reasons for doing so.  


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