total loss

last SG · 2008-07-26T10:28:29+00:00

ah. then howmy airbags got deployed.my rpm sometimes can shoot to 3000 3500 when slowly accelerating to only 70,80km/hthe hard dragging noise from e engine i...

pyjamasgirl SG

had just involved in a chain car crash accident on 30 april along cte city.

i m the last car. (suay)

now ntuc has called up my workshop n told them they r considering a total loss.

now.. what happen to my side?

i knw they will pay up the market value. but does it mean i have to cough up own $ to pay up the remaining loan balance?

any way to discuss with them not to write off?

do advise.

thanks all.

alwaysdisturbed SG

whats the meaning of total loss?

pyjamasgirl SG

meaning they're gg to write off this car.

BrUtUs SG

u got insurance to cover u so u jz need to pay the excess then the rest ur insurance handle?

BadzMaro SG

wow and u suffered.. no injuries ?

redDUST SG

they will pay you the market rate of the car at the point of the accident, and if you have loans exceeding what the insurer pays you, then good luck. you are on the receiving end.

my car was stolen in KL some years back and NTUC paid me the `market rate' after 9 friggin' months of ding dong-ing. luckily my car was fully paid up then. and by the way, they will `own' the remaining COE that your car is being written off which they will auction. i also lost my bidded number plate becos for stolen cars, LTA would not allow one to re-register the car plate number for new car. so, i got a double whammy here.

for sure you get the short end of the stick here becos:

1. their assessment of the so-called market value of your car will be based on the lowest quote they get. this one sure kelong one...

2. they will sell off via auction your COE and pocket them to offset what they paid you, so their nett payment is a lot lesser than the face value of the payment.

mancha SG

Being the last car, only your front will be damaged. How extensive is the dammage? If it is only a fender bender, with smashed head lights, they have no reason to write it off as total loss. They will do so, even if your car is repairable, as long as they think it is to their advantage to write it off than to repair it.

Find out if your car is really a total loss, or is NTUC Income shirking the obligation that you have been paying for all this while.

pyjamasgirl SG

suffered some minor injuries.. my airbags was deployed.

front part all smashed in. but the repair guy told me shld be able to repair. n he quoted ard 7,8k for the damages.

thought all will go well untill this afternoon got a call from them saying ntuc prob will want write off total loss. cuz its not economical to repair.

but he will try too source for cheaper parts so that dont hv to write off.

1. do u think is better to write off or try to repair? (lets say ntuc give me choices)

2. ins co delay for 9mths to give u the payout, during this period, do i still need to pay for the car instalment?

3. i m still financing the loan, say if write off, do the bank need me to return the balance loan 1 shot, ie, asap or in stalment basis?

4. say if i write off, n have returned all loan. will it be easier for me to get loan again? say even frm the same loan company?

5. car will nv be the same again right, even after repaired?

i have not taken pic. when i drop by the workshop, i will take few n show. perhaps u guys will give better advices.

now i m so affected by all these..

thinking of ard 10k to fork out..

bad lucks have been w me all this while.

any suggestion to rid them? n to get better luck?

thanks all..

tomsss SG

what make and model is your car? If the engine is intact... then i guess it's most likely repairable... but 8-9k to repair all, including replacing the exploded airbag system... hmm.

BangHong SG

up to 10k plus paint etc...

pyjamasgirl SG

ntuc called me. final decision.

they will proceed to repair.

accessed the damages. was quoted $9.8k for all.

car will be ok within 2 weeks. i hope so.

n of course i hope car will be almost e same man...

btw i'm driving a suzuki liana HB.

3 yr old soon this june.

mancha SG

Good, see they nearly took advantage of you.

Froz3nFir3 SG

ntuc called me. final decision.

they will proceed to repair.

accessed the damages. was quoted $9.8k for all.

car will be ok within 2 weeks. i hope so.

n of course i hope car will be almost e same man...

btw i'm driving a suzuki liana HB.

3 yr old soon this june.

Close to 10k for repairs..

I dun really know a lot on how it works..

But if it was me.. I would go for total loss..

New car and everything. Not so much problems.

Even if i have to pay more..

alwaysdisturbed SG

what about the other cars?

pyjamasgirl SG

sorry just back from a trip.

yeah actually was comtemplating bet total loss n repair fee.

i knw close to 10k repair is as gd as the car is almost gone.

but i dont knw how much ntuc will compensate me on the total loss. thats y i dont dare to ask for total loss. plus i need to drive for a living. cant afford to wait for loan, wait for car again.

the rest of cars suffered minor damages.

i hope my car will still b as gd la.

alwaysdisturbed SG

sorry just back from a trip.

yeah actually was comtemplating bet total loss n repair fee.

i knw close to 10k repair is as gd as the car is almost gone.

but i dont knw how much ntuc will compensate me on the total loss. thats y i dont dare to ask for total loss. plus i need to drive for a living. cant afford to wait for loan, wait for car again.

the rest of cars suffered minor damages.

i hope my car will still b as gd la.

oh ok....may i ask who is responsible for the damages to the other vehicles?

pyjamasgirl SG

they all claimed against me.

but cars infront of me jammed brake

can fight not

n0x SG

as long as u r the last car.. u r the ultimate loser..

u have to pay everyone the damages.. irregardless of who jam brakes whatsoever....

alwaysdisturbed SG

so how arh? they all claimed from you arh?

bizzkit0102 SG

Sometimes it is really quite irritating when people in front brake a lot earlier than anticipated, especially on expressway. Especially taxis. Some of them brake so early that the space in front of them can park 2 cars.

I also knocked the ass of a taxi before on the PIE. Luckily I braked hard enough so the damage was minor and settled it on the spot with some $ and I didn't have to replace my bumper. Of course there were a few scratches on it but not very visible from afar.

I asked the taxi uncle on the spot why the hell he brake so suddenly and in his defence he said there was an accident right in front. I could see the accident also but it was 3-4 car lengths away. We even had space to move forward onto the chevrons at the PIE (Tuas) Dunearn Road (the infamous exit on lane one) exit there to thrash things out.

I was really pissed with that fella on that day and somehow I felt he was trying to pull a fast one on me. After all, taxi fares now so ex nobody wanna take taxi, their income drop. He also wouldn't want to go to a workshop as it would mean less passengers for him during that day.

Sadly, in driving, once you knock somebody, you are at the disadvantage. It is one of the only few things in life when you are to blame for the ineptness of another person sometimes.