Need help with insurance claim
- Thread starter jncf
- Start date
Re: Need help with insurance claim
Honestly, after I read all the comments and seem like there are many different point of views, both negative and positive, I do appreciate all the inputs.
Exactly to most bro's comment, I will like to seek some legal advice. I am willing to pay for reasonable consultation fee. I'm here to see if there is any lawyer or lawyer friends that can be intro to me, best if ever had similar situation. At least I though this will be one step closer than to look for a right lawyer without a basis.
I tried searching under small claim tribunal and seems not the right avenue to go.
With regards to the incident, I try to give my details so as not to mislead anymore reader of my intention.
My speed was reasonable, 60km/h. The weather and traffic was clear. The incident happened around 8pm. I am still keeping the brick, it is very big piece of brick.
I guess the best reaction anyone can get to, or at least me, when seeing a big brick within a headlight's throw distance is to avoid than to jam brakes, thus i think my speed upon impact is still 60km/h.
I am not blaming on the brick.
My point actually was about the poor lighting condition due to the malfuction road lamp as I thought road lamp is suppose to keep the road well lited for safe travelling and due it's malfunction, it had created an unsafe situation where I happen to ran over the brick as I can't see any soon enough.
About keeping a safe lookout, I tried, trust me. I have my wife and 2 kids in the car and I'm driving with lots of care.
The road was actually a small "flyover" over a river with elevation going upwards on the first half, then downwards on the second half. The location of the malfunction road lamp happened to be the first on the second half of the bridge, which mean only when your car reaches and pass the peak height of the road, then you will be able to detected that the road was not lited and suddenly you saw this big brick there and you shout to your wife to hold the kids and you try to steer the car away...... Its hard to explain how the elevation of the road surface and the area of light throw is suppose to be, vs the location of the brick... but I don't look at road lamps when i drive, I look at the road.
I did took pictures of the malfunction road lamp to proof that it was really not working that night. I also took pictures of the position of the brick on the road in relative to the road lamp and how dark the road was without the lamp working.
So in the end what am I trying to prove?
Well, I am trying to find out that if the authority that have responsibilities over the road lamps, that are suppose to keep the street well lited for safe travelling and where in this case, the lamp did not, have got any liability over the case.
For sure I know, I have no libility and had did nothing other than driving my family to supermarket for grocery shopping, that had caused the incident.
Can’t imagine if a biker had hit that bricked instead…
Honestly, after I read all the comments and seem like there are many different point of views, both negative and positive, I do appreciate all the inputs.
Exactly to most bro's comment, I will like to seek some legal advice. I am willing to pay for reasonable consultation fee. I'm here to see if there is any lawyer or lawyer friends that can be intro to me, best if ever had similar situation. At least I though this will be one step closer than to look for a right lawyer without a basis.
I tried searching under small claim tribunal and seems not the right avenue to go.
With regards to the incident, I try to give my details so as not to mislead anymore reader of my intention.
My speed was reasonable, 60km/h. The weather and traffic was clear. The incident happened around 8pm. I am still keeping the brick, it is very big piece of brick.
I guess the best reaction anyone can get to, or at least me, when seeing a big brick within a headlight's throw distance is to avoid than to jam brakes, thus i think my speed upon impact is still 60km/h.
I am not blaming on the brick.
My point actually was about the poor lighting condition due to the malfuction road lamp as I thought road lamp is suppose to keep the road well lited for safe travelling and due it's malfunction, it had created an unsafe situation where I happen to ran over the brick as I can't see any soon enough.
About keeping a safe lookout, I tried, trust me. I have my wife and 2 kids in the car and I'm driving with lots of care.
The road was actually a small "flyover" over a river with elevation going upwards on the first half, then downwards on the second half. The location of the malfunction road lamp happened to be the first on the second half of the bridge, which mean only when your car reaches and pass the peak height of the road, then you will be able to detected that the road was not lited and suddenly you saw this big brick there and you shout to your wife to hold the kids and you try to steer the car away...... Its hard to explain how the elevation of the road surface and the area of light throw is suppose to be, vs the location of the brick... but I don't look at road lamps when i drive, I look at the road.
I did took pictures of the malfunction road lamp to proof that it was really not working that night. I also took pictures of the position of the brick on the road in relative to the road lamp and how dark the road was without the lamp working.
So in the end what am I trying to prove?
Well, I am trying to find out that if the authority that have responsibilities over the road lamps, that are suppose to keep the street well lited for safe travelling and where in this case, the lamp did not, have got any liability over the case.
For sure I know, I have no libility and had did nothing other than driving my family to supermarket for grocery shopping, that had caused the incident.
Can’t imagine if a biker had hit that bricked instead…
M-Noobie
Well-Known Member
Re: Need help with insurance claim
Can you tell us where exactly is this small "flyover"? I can understand now why it is so hard to avoid this brick especially it is at the downward slop just after the upward slope. Our headlights will probably not lit up the road with the brick in time for us to react.
Singapore roads are usually illuminated with many road lamps, one faulty lamp will not affect the visibility of the road much. Will you post all the photos you have taken (and photo of the brick) here?
jncf;995886 said:
Can you tell us where exactly is this small "flyover"? I can understand now why it is so hard to avoid this brick especially it is at the downward slop just after the upward slope. Our headlights will probably not lit up the road with the brick in time for us to react.
Singapore roads are usually illuminated with many road lamps, one faulty lamp will not affect the visibility of the road much. Will you post all the photos you have taken (and photo of the brick) here?
Red_Bean_Bun
Well-Known Member
Re: Need help with insurance claim
Don't think you have recourse.......it sets a precedence if there is one. And the LTA isn't even bothered with the Farrer Road death trap (hit search) ..... every 2 weeks 1 incident on average with lots of gore and wreckage.
Don't think you have recourse.......it sets a precedence if there is one. And the LTA isn't even bothered with the Farrer Road death trap (hit search) ..... every 2 weeks 1 incident on average with lots of gore and wreckage.
Re: Need help with insurance claim
Well even if I can see an object, its hard to tell if it was a plastic bag or a brick.
Bear in mind that travelling at 60km/h means 16.7m/s. A normal 1-2 second reaction time would take your car another easily 16-32 meters away from the point you saw the object.
View attachment 50813
This picture was taken when I'm standing at the highest point of the "flyover".
Bear in mind it was taken with the flash on, can you see the brick? Can you imagine the darkness without the flash of my SLR?
M-Noobie;995907 said:
Well even if I can see an object, its hard to tell if it was a plastic bag or a brick.
Bear in mind that travelling at 60km/h means 16.7m/s. A normal 1-2 second reaction time would take your car another easily 16-32 meters away from the point you saw the object.
View attachment 50813
This picture was taken when I'm standing at the highest point of the "flyover".
Bear in mind it was taken with the flash on, can you see the brick? Can you imagine the darkness without the flash of my SLR?
Red_Bean_Bun
Well-Known Member
Re: Need help with insurance claim
Where's this place ?
Where's this place ?
jncf;996108 said:
Red_Bean_Bun
Well-Known Member
Re: Need help with insurance claim
Well .... I kena brick like this before. It took out my fuel tank. And there was no spare parts in stock in SG. It was painful with fuel leaking and I had to wait 2 weeks for the parts to arrive.
Had to make sure jokers don't smoke near my car in that 2 weeks .....
Well .... I kena brick like this before. It took out my fuel tank. And there was no spare parts in stock in SG. It was painful with fuel leaking and I had to wait 2 weeks for the parts to arrive.
Had to make sure jokers don't smoke near my car in that 2 weeks .....
jncf;996119 said:
MSportTune
Well-Known Member
Re: Need help with insurance claim
Bro, I think you have to weigh the cost of the damage versus the time and expense that you have to take to pursue this.
This reminds me of the time I hit a big granite stone along Mandai highway. Was going up a hill and when I saw it, it was too late. Took out a rim and tire. Turn out, the entire stretch had some kind of stone, rock thrown on right lane and I can
see grass as well. Those days, the grass cutters were using blades and I suspect they threw those rock onto the right lane from the center divider they were cutting. I have no prove etc so suck thumb and pay SGD500 for repair/replacement.
2nd case, AYE, took out 2 right side PRODRIVE rims and again when taxi cleared the granite stone, it was too late for me. The repair to both rims (was lucky can repair) was under SGD300. Suck thumb and pay again!
Hearsay from what I read here (dunno if it is a joke as hard to tell who is joking and who isn't! Will I get my first "pissed of la") that going rate per hr for lawyer is SGD500+ and for both my case, it did not exceed the "deductible" from hiring a lawyer assuming this takes an hr to solve,….
i don't know about the legal part or whether you have a case (I think the bros here gave you good advice so far).
jncf;994424 said:
Bro, I think you have to weigh the cost of the damage versus the time and expense that you have to take to pursue this.
This reminds me of the time I hit a big granite stone along Mandai highway. Was going up a hill and when I saw it, it was too late. Took out a rim and tire. Turn out, the entire stretch had some kind of stone, rock thrown on right lane and I can
see grass as well. Those days, the grass cutters were using blades and I suspect they threw those rock onto the right lane from the center divider they were cutting. I have no prove etc so suck thumb and pay SGD500 for repair/replacement.
2nd case, AYE, took out 2 right side PRODRIVE rims and again when taxi cleared the granite stone, it was too late for me. The repair to both rims (was lucky can repair) was under SGD300. Suck thumb and pay again!
Hearsay from what I read here (dunno if it is a joke as hard to tell who is joking and who isn't! Will I get my first "pissed of la") that going rate per hr for lawyer is SGD500+ and for both my case, it did not exceed the "deductible" from hiring a lawyer assuming this takes an hr to solve,….
i don't know about the legal part or whether you have a case (I think the bros here gave you good advice so far).
Last edited by a moderator:
MSportTune
Well-Known Member
Re: Need help with insurance claim
I see a real M5 coming soon! Oh what the heck,…M6 GC!
wobbles;996146 said:
I see a real M5 coming soon! Oh what the heck,…M6 GC!
