2. At the scene

Immediate Steps at the Scene of an Accident

• Stop your vehicle immediately.
• Contact the police and/or ambulance if necessary.
• Exchange particulars (information) with other parties involved.
• Take photographs of the accident scene.
• Refrain from admitting fault or liability.
• Call a tow truck if needed.
• Seek advice from your insurer's hotline if necessary.

General Insurance Association (GIA)

• The GIA is the Association of Singapore Motor Claims Framework (MCF).
• It utilizes Barometers of Liability (BOLA) to determine liability in accidents.

Reporting Procedures

• Bring your vehicle to a reporting center or authorized workshop within 24 hours of the accident.
• File an accident report and request a copy.
• Lodge a traffic police report based on the specific circumstances.

Legal Representation (Lawyer's Office)

• For the Claimant:
  • Clients can choose to use authorized workshops, lawyers, or handle the claims themselves (D-I-Y approach).
  • Depending on the situation, they can file claims against their own policy (Own Damage or OD claim) or the other driver's policy (third party claim), or pursue a private settlement.
• For the Defendant:
  • Options include private settlement or allowing the insurer to handle the claim.

Repudiation (Refusal of Insurance Coverage)

• Insurers may refuse to cover claims under the following circumstances:
  • Driving under the influence of alcohol or drugs.
  • Driving an unregistered vehicle or a vehicle with prohibited or unapproved modifications.
  • Driving with an invalid driving license.
  • Carrying passengers exceeding the vehicle’s legal seating capacity.
  • Admitting fault or liability.
  • Failing to notify the insurer about the accident or any legal proceedings.
• The case of India International Insurance Pte Ltd v Ho Chai Hong Joanne (SGDC 193) illustrates one such instance of repudiation.

This quiz covers essential immediate steps to take at the scene of an accident, including contacting authorities and gathering information. It also outlines the General Insurance Association's role in claims and provides details on reporting procedures and legal representation for claimants. Test your knowledge to ensure you're prepared in case of an accident.