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It is better to be safe than to be sorry. Prevent accidents by taking all the precautions you can.

14 November 2015 By admin Leave a Comment

 

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Image via Flickr user Bill Dickinson

1. As they say speed thrills and also kills. It is important to keep track on your speed while driving, so that one is in better control of the vehicle. Find out what are the causes that you will speed up? Is there an urge to speed when you have a driver close behind? Or, is it an effort to keep up with the traffic flow. Or, do you just simply enjoy over-taking when you are feeling upset or other emotions? It is especially important to lower speed while nearing schools, on narrow roads, hilly areas, rural areas and when visibility is poor. Wet roads and speed will led to higher chances of getting into an accident.
2. Obey traffic rules. Traffic rules have been designed with safety precaution comes first. It takes into account safety for all, including pedestrians. Follow the lane, and keep the required distance between vehicles. It is important to display appropriate indications/signals especially while changing lanes or before a turn. Follow the traffic rules to lower the risk of getting into accident.
3. Wear seat belts. Seat belts are lifesaving. A statistic has revealed that 63% of those who died in accidents had not strapped on their seat belts. According to the National Highway Transportation Safety Administration (NHTSA), lap-shoulder belt systems cut the risk of serious injury and fatality by 50 percent. Seat belts help in protecting the internal organs in a crash as it restrains the forward movement of the body to a great extent. It protects against head and neck injuries by minimizing head contacts and keeps the passenger in place.
4. Pedestrians and children come first. Preference is be given to pedestrians and children crossing the road. Besides that, it is also important to keep a look out for elderly when they cross the road as they tend to walk slower.
5. Read caution signs: Caution signs are very important as they warn about accident prone spots that is ahead so that the driver can reduce the speed of the vehicle. Signboards on the road are vital clues about road design so that the person behind the wheel can exercise caution.
6. Adopt antiskid break systems in the cars. It is to reduce the risk of cars skidding.
7. Air bags in vehicles are a must to cushion the impact in case of accidents.
8. Reflectors to be used on the rear of the vehicle. Ensure all lamps are in working condition. Hazard lamp should be switched on when the vehicle is parked on a highway.
9. Vehicle must be in good working condition. There should be no compromise on the quality of brakes and tyres. Further, it is imperative to inflate tyres with the right air pressure to avoid tyre bursts on road.
10. Roads should be in good condition with proper sign boards. It is vital to install reflectors on roads so that deviations and medians are clearly visible to drivers.
11. Avoid drugs and alcohol while driving.  Drugs and alcohol can slow down reflexes, disrupt accurate judgments, and cause mental alertness to dip. They have been the reason behind many fatal road accidents.
12. Falling asleep behind the wheel has led to many grave mishaps on the road. Drivers must rest well as the lack of it can have an adverse effect on mental alertness, slow down reflexes, and even cause momentary sleepiness behind the wheel. What follows is a disaster.

See full story at MEDINDIA

Filed Under: Happenings Tagged With: accident, motor accidents, Safe Driving

What to do in a car accident (Real life scenario)

5 October 2015 By Alex Tan Leave a Comment

There comes a time when we  ask ourselves, what should we do in regards to insurance claims when our vehicle is involved in an accident? While we hope we will never have to go through that experience, we are always curious to find out and be prepared for such an incident. And unfortunately, I am involved this time. So let me share my experience with you guys.

On 5th Oct 2015, I visited my client in Tuas and arrive at his premises at around 950am. I park along the side of the road just opposite my client’s factory. I went in to look for my client and upon returning, I was stun (like a vegetable) to see a big dent and damage on the driver side door. The damage was bad enough that I could not open the door from the outside. Here’s how the damaged look like:

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So the only action that came to my mind is to use my phone and snap a picture for evidence, and of course not forgetting uploading it to social media to vent my frustration. Then it came to my mind, what’s next? The car who hit mine was not there, and there isn’t anyone that I can talk to. I took out my Certificate of Insurance (yes please put one copy in your car) to see if there are any instructions. However, I only saw a list of authorised workshop and their telephone numbers. So next thing that I know is to search for the insurer’s website (in this case China Taiping Insurance) to look for further advice. Thankfully I saw a set of instructions that I can follow (you can see it here). So as my situation is sort of a ‘Parked and found damage’ or to make it sound more serious ‘Hit and Run’ case, I have to make a police report. And at that point in time, I took out my phone and dial 999.

The TPs (2 of them) came within like 15 mins and they started to assess the situation while I gave them my particulars. I must say they are quite good at what they are doing as one of them managed to investigate around the premises and found one of the company’s cctv in that area that captures the scene of the accident. So it was verified in the cctv video that this particular lorry that allegedly came out from my client’s neighbour unit, hit my car while trying to reverse and drove off subsequently. The TPs then contacted that company’s boss and requested for the driver to come back to assist in investigation. At this point, one of the TPs informed me to head to the nearest police post to lodge a report, unless I choose to negotiate with the alleged culprit for private settlement, which its unlikely that they will admit.

So I left the scene and head over to the nearest NPCC  and once done, I check the list of authorised workshops that is near my area and decided to send in my car for repair and to claim insurance (please check if your policy is purchased under authorised workshop scheme or any workshop scheme, if its the latter you can go to any workshop you prefer. For mine it will be under authorised workshop scheme as I am entitled to a discount for my car insurance). While at the workshop, I submited all documents to make a claim and here comes dilemma. I was told that as the other party sort of did not admit to the accident, nor did they make a accident report, I am not allowed to claim under that party’s insurance. So either I wait for the police to finish their investigation to determine the outcome or I can choose to claim under my own insurance first, and should the police find that the other party is at fault then I can ask my insurance to claim all damages from them.

AND ANOTHER DILEMMA, if I choose to proceed o claim under my own insurance first, the excess will kick in, which means I have to pay $500 (excess different from each policy) upon the repair is completed. AND YET ANOTHER DILEMMA, because the ownership of the car that I drove is under my mum’s name, and also because I didn’t add my name as one of the named drivers, I have to pay an additional excess of $500, which adds up t $1070 after GST. So in the worst case scenario, if the police fail to conclude that other party is at fault, I will have to absorb this excess cost. Should the case be favourable to me, then this excess will be refunded back to me by my insurer( since all damages will be claimed from the other party’s insurance).

Well seems I cant really wait that long, I choose to claim my own first so as to start the repairs asap. So if you are reading this post, I hope you have learned something through my bad experience, and please remember to add in your name if you are driving a car that is not under your ownership! ALSO, please INSTALL CAMERAS IN YOUR CAR (sigh)

Filed Under: Happenings Tagged With: accident, car insurance, claims, procedures to motor claims

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