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> Car insurance sifu kam in pls

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TSmoodswingfella
post Jul 9 2019, 10:57 AM, updated 6 months ago

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So I've been told by someone if ayam wanna drive my car to SG i need to purchase additional coverage legal liabilities of passenger and legal liabilities to passenger. Ayam check in motor takaful the price ok la cheap oni.

But this coverage eceli what the purpose and benefits ya? Izzit sama macam PA ins?
MeToo
post Jul 9 2019, 11:01 AM

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They BS u
bukechi
post Jul 9 2019, 11:05 AM

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not really same like PA.. first u need to know

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TSmoodswingfella
post Jul 9 2019, 11:05 AM

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QUOTE(MeToo @ Jul 9 2019, 11:01 AM)
They BS u
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Alamak izzit?
TSmoodswingfella
post Jul 9 2019, 11:09 AM

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QUOTE(bukechi @ Jul 9 2019, 11:05 AM)
not really same like PA.. first u need to know

user posted image
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What img that one cannot see wor
dares
post Jul 9 2019, 11:11 AM

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it covers 2 scenarios :

a) You accident with passenger inside your car, passenger is injured and sues you.

b) Your passenger cause /damageinjury to others, eg. open your car door and bang a kapcai.

The premium is very cheap so usually I just take it together.
TSmoodswingfella
post Jul 9 2019, 11:13 AM

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QUOTE(dares @ Jul 9 2019, 11:11 AM)
it covers 2 scenarios :

a) You accident with passenger inside your car, passenger is injured and sues you.

b) Your passenger cause /damageinjury to others, eg. open your car door and bang a kapcai.

The premium is very cheap so usually I just take it together.
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Ah i see. So the ins will cover the lawyer fees la liddat.
dares
post Jul 9 2019, 11:18 AM

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QUOTE(moodswingfella @ Jul 9 2019, 11:13 AM)
Ah i see. So the ins will cover the lawyer fees la liddat.
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Yes.

LLP is optional here but compulsory for cars in Singapore.

https://www.insurancebusinessmag.com/asia/n...cles-94803.aspx

QUOTE
Uninsured passengers in Singapore who suffer injuries due to Malaysian-registered vehicles found liable in accidents can claim for damages through the Motor Insurers’ Bureau (MIB).

This development follows a recent ruling by the High Court on a case involving a Malaysian insurer, reported The New Paper.

Singaporean law requires that all vehicles must have compulsory third-party liability insurance, in case of injury or death to a third party stemming from negligent use of the vehicle. However, no such regulation exists in Malaysia, even for Malaysian-registered vehicles entering Singapore.

This means that if the driver of a Malaysian-registered vehicle is liable for an accident in Singapore, the Malaysian insurer will not compensate an uninsured injured passenger.

“Malaysian vehicles driven into Singapore must be insured by an insurer which has entered into such an agreement with MIB in order to be exempt from the statutory requirements relating to compulsory insurance,” Justice Quentin Loh noted in the ruling.

The case involved Malaysian citizen Koo Siew Tai, who sued for serious injuries sustained when she was a pillion rider on fellow Malaysian Liew Voon Fah’s motorcycle. In December 2007, Liew was taking Koo to work when the motorcycle was involved in an accident, leaving Koo with serious head injuries.

Koo suffered from post-traumatic epilepsy and lost her job. She was awarded SG$788,057 in compensation by the High Court, but the motorcycle’s insurer, Malaysian AM General Insurance, did not cover passenger liability in Singapore.

While the Malaysian insurer argued, based on a Malaysian court case, that the MIB had to first pay Koo before its obligation to pay kicked in, Loh disagreed, and ordered AM General to pay the MIB SG$788,057 plus interest.


This post has been edited by dares: Jul 9 2019, 11:21 AM
TSmoodswingfella
post Jul 9 2019, 11:27 AM

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QUOTE(dares @ Jul 9 2019, 11:18 AM)
Yes.

LLP is optional here but compulsory for cars in Singapore.

https://www.insurancebusinessmag.com/asia/n...cles-94803.aspx
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Geez thx man appreciate it.

 

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