Why Is Your Car Insurance Claim Taking So Long?

Met with an accident on the road? First calm your nerves and then check that you've done these things to ensure a smooth and hassle-free insurance claim.

Missing the 24-Hour Claim Submission Window

You must report an accident within 24 hours. Missing this crucial step can void your claim.

Submit your NRIC, a copy of your driving license, and well-documented evidence within this timeframe.

This isn't just a formality – it’s about securing your No Claims Discount (NCD) and keeping your insurance costs down.

Not Asking Your Insurer for Advice

Not sure what to do after an accident? Don’t hesitate to call your insurer.

They can guide you through the process and even direct you to emergency hotlines if the accident happens late at night.

Insurers like Aviva, AXA, and NTUC Income offer 24/7 assistance, making it easier for you to get immediate help and avoid common pitfalls.

Admitting Fault or Liability on the Spot

Never admit fault or negotiate settlements on the spot. Let your insurer handle this.

Admitting liability can jeopardize your claim and put your insurance plan at risk.

Your insurer is there to determine fault, so leave it to the professionals.

Not Gathering All Necessary Details

Document everything at the scene of the accident. Gather the following:

• License plate numbers
• Make, model, and color of involved vehicles
• Names, addresses, and NRIC numbers of other drivers
• Contact numbers and insurance details of all parties
• Information about any injured persons and the extent of their injuries

Also, note down environmental details like heavy traffic, slippery roads, or any unusual circumstances.

The more information you have, the better.

Submitting Poor Quality Photos

A picture is worth a thousand words, especially when it comes to insurance claims.

Ensure you take high-quality photos from various angles:

• Close-up shots: Zoom in on the smallest details, like dents and scratches. Take at least four shots.
• Medium-range shots: Show the overall condition of the cars. Include the license plates in three shots.
• Wide-angle shots: Capture the entire accident scene. Three photos or a video can provide a comprehensive view.

Not Using a Dash Camera

Invest in a dash camera if you don’t already have one. It can be a game-changer in proving your case.

Even a front-facing dashcam can show that you were driving steadily before being hit from behind, potentially saving you from paying excess fees.

Moving Your Vehicle Too Soon

Don’t move your vehicle until all necessary evidence is documented.

Moving your car too soon can give the other party a chance to dispute your claim.

Unless your vehicle is blocking traffic, leave it where it is until you’ve gathered all the evidence and a witness, if possible.

Using Unauthorised Workshops

Using an unauthorized workshop or tow service can complicate your claim.

Always check with your insurer for a list of preferred workshops.

If you use an unauthorized service, you might end up footing the repair bill yourself.

Some insurers might still help you, but it’s a risk you should avoid.

Other Important Considerations

After filing your claim, check if you need to bring your vehicle for an inspection by your insurer.

Always inform your insurer about the accident, even if you don’t plan to make a claim.

Some insurers, like AIG, might reduce your NCD if you fail to disclose an accident.

Taking the time to file a proper claim within 24 hours might seem tedious, but it’s worth it for a speedy payout.

Follow these steps to ensure your claim is processed as quickly and smoothly as possible.

Writer's note: Images are purely fictional; for illustration only.