Just to let you guys know the role of your insurer and you.
Actually what i want to mention was in the Sundays (Feb 26) paper
in the Personal Advisor Section.
I encountered a similar incident as the one mentioned in the
papers.
Anyway it's about you being involved in a not at-fault accident but
unable to claim the other party's insurance because he purposely
breach his insurance and insurance don't want to be
responsible.
I am quite surprised that insurers can exercise their right not to
cover the policyholder because he simply don't want to report the
accident to the insurer and thus you lppl suck thumb at loss.
The newspaper said that because if you claim insurance, you are
actually just claiming against the other party, but since the other
party has insurance he will get the money from his insurer.
Therefore, insurer reserved the right not to pay up.
Anyway, if you encounter such case, this is what i suggest you
should do...
1) Call your insurance and immediately ask to claim against other
party you need to claim excess for this.
OR if you are not in urgent need of your car, claim against OTHER
party's insurance, this will prevent you from paying excess.
2) Call the other party regularly to see if he already reported to
his insurance.
3) If he shows signs that he is uncooperative, send a registered
mail or if you have the time visit at his residence. But just to
remind him to report to his insurer, nothing else.
4) If he is still uncooperative (i.e. registered mail undelivered),
immediately report the case to Traffic Police. TP does not have
authority to intervene in a non-injury case, but they can assist
you in bugging that person to report to police.
5) Bug your Traffic police case handler, if not they will take they
own time one.
6) Bottomline is to make the other party report his accident.
Otherwise other party insurer will just say "breach of contract"
and bye bye.
