44. If my car is involved in an accident but there was no damage to my car or if I do not wish to make a claim, do I still have to lodge the report with GIA or Great Eastern at Great Eastern’s Approved Reporting Centre?
Under the Motor Claims Framework (MCF), in any accident regardless how minor it is, you should lodge the GIA Report in any of our Authorised Accident Reporting Centres within 24 hours or by the next working day. If no claim is submitted against your policy, your report will not affect your policy/NCD. The accident report is important as it will provide the necessary information in order for us to handle any claims made against your policy due to the accident.
For more information about the Motor Claims Framework (MCF), you may refer to http://www.gia.org.sg
45. What do I do if I get into a car accident?
If you are involved in an accident, please follow these steps:
1. Exchange particulars such as name, driving licence & NRIC/Passport and contact number of the other driver who was involved in an accident with you. Take note of the vehicle numbers
2. Take pictures of the accident scene and the damages caused to both cars.
3. Call our 24-Hours Towing Helpline +65 6535 0511 for towing service if required.
4. Do not accept any repairs and towing service from non-authorised workshop.
5. If the towing service is not required, please send your damaged vehicle to any workshop of your choice. This includes the dealer’s workshop.
6. Make a police report as soon as possible or within 2 hours of the accident if the accident involves:
· Fatality;
· Damage to government property;
· Foreign vehicle;
· Pedestrian or cyclist;
· Hit-and-run cases;
· Vandalism or theft of your car; or
· Injury cases where
i. at least one person involved in the accident was taken to hospital from the accident scene by an ambulance/self-conveyed; or
ii. any party involved in the accident was injured and obtain outpatient medical leave for 3 days or more.
· If you have video recording of the accident, please keep and provide for the report and claims.
· Filing a report at the Authorised Accident Reporting Centre is mandatory regardless if you are making a claim under your policy.
· Should you receive any Writ of Summon or Letter of Demand from Third Party against you due to the accident, do not reply and forward to the Insurer immediately.
Kindly note that the 24-hour accident reporting requirement is mandatory as failure to do so allows insurer to apply a late reporting penalty against your NCD and to repudiate policy liability indemnifying you for the damage repair to your vehicle as well as for your liability towards the damage caused to Third Party property and/ or injury.
Under the Motor Claims Framework endorsed by the General Insurance Association of Singapore, you are required to file an accident report regardless of whether you intend to make a claim.
46. What is the time frame for me to report the accident?
Under the Motor Claims Framework, all accidents must be reported to your insurer within 24 working hours or by the next working day with your car, no matter how trivial or even if there is no visible damage, and irrespective of whether you are claiming from any insurers or third parties.
47. Do I need to pay any reporting fees?
No, there are no fees/charges for reporting at GEG’s Authorised Accident Reporting Centre.
48. If there is a Third Party claim against me, will I be updated on the status?
We will notify insured upon the receipt of the letter of demand we have received from the third party.