about claiming of insurance

dibilo SG

i got a few questions. hope u guys can help me answer them.

today i bumped onto someone's car when turning right. (because a pedestrain dashed out causing him to jam break)

my car is alright.. but the left side of the bumper of his car came out... seems like it can be knocked back but of coz he wont let me do it. everything else is fine, including the paint job.

he said that he will be bring to tan jiong motors to have it fixed.

so the question is, is there better alternative other than to let him just claim from my insurance? I know i will lose the no claim bonus if he claims, so how does the insurance company charge me? on my new renewal with them? or charge me seperately?

if i swop to another insurance company, will i still incur the lost of bonus?

Anti_AhSiah SG

Settle this privately with him. Pay him for cost of repair. Do not go thru Insurance companies for such small repairs. Note, u are at fault as u knocked him behind.

mr sunray SG

Go for private settlement if damage not major.

Ask the other party to go to your own workshop or pay him for the repair.

By asking him to go to your own workshop may be is a better option so that he will not overclaim you.

If he claims your insurance. You sure will lose your NCD. If you renew your insurance with the same company next year, you will have to pay for a loading which means you have to pay more for your next year premium.

Even if you change insurance company next year, they already have your claim record. You can run but you can't hide from them.