A Singapore Biker’s Life

Aarrrggggggggggg……..

I’m so pissed when I saw the break down of the "bill"…
But one thing I gotta admit.. I made a small booboo in the previous posting.. which was the figure for car rental of $700… it was actually for something else… The rental was only about $273 which sounds about…. right… (In the first place… for such a damage, was renting a car required?)

But let move on to see the break down of all the "COST"…

Well… they say that a Pict paints a 1000 words…. let the picts tell the story…

Here are more picts from the "Repair Shop"

But here are some other details.

The break down of the "cost" sent from the Lawyer

Here’s the details of the cost… By the "Assesser"

Problem 1.

They actually "claimed" for the Tailgate!!!
The whole tailgate!!!
$658!!!

Look @ the pict!!!
Was the damage was that bad it required a whole new Tailgate??

Problem 2.

Well… ok, granted that I am not an "Certified repairman…", Putty & spray painting that cost $600???
If my memory serves me correctly, a spray paint for the whole car costs about $800-$1000

I mean… do the math, if the Tail Gate was replaced with a new one… was there a need to "putty" or paint??

Sometimes I wonder if this was the accident…

Problem 3.

Labour Charges??
$400??

Maybe I should have counted my lucky stars that they forgot:
1. Service Charge

2. GST

Maybe if the car owner paid by visa or masters the 5% extra. Or maybe even other cess charges??

Sometimes I really wonder who governs the assessers??

I am juz thinking … What is the penalty if they were "caught" being "biased"??

Are their licences revoked?? etc etc…

Cos these "repair shops" are the ones who give them the "biz", so… rather than using the "free" Assessers called IDAC, these so called "repair shop" "employ" these assessors to "assess" the damages…

I am not claiming anything but, many a times, when your boss "tries" to "share their views", the employee have to "comply" if they still wanna work there or have more "biz" from the "employer"…

This brings another thought, did "project" IDAC fail?

My goodness…. the anger, the fury!!!!…

Esp when my insurance company told me that if they were to claim
more than 3k total, there was gonna be a loading on my next premium…

sigh…

The tempation to tell the insurance company that I wanna challenge the other party’s total claim, then counter claim on him. Cos as mentioned, he E-braked last min / second cos he mentioned there was a bicycle… but what bicycle??

I did not want to make things that bad… I gave him the benifit that he would make a fair "claim" and hoping that he will still…

It’s one thing to have my premiun increase… and another to let the other party claim as much as he wants…

But I believe
Psalm 7:10
   My shield is God Most High, who saves the upright in heart.

Also… to learn to let go, and humble myself and believe that God will do something about it.

But Honestly…. Down the line, this is the moral of the story…

A Bike & Car were involved in an accident.
The Bike’s repair is $200 & the car’s repair comes to $3200.

Suffer the little bikers…..

It’s more expensive to own a bike and a car in SG…

The car’s repair cost came to 3.2k…
*My bike (Not lorry) repairs came to only 200 bucks.

Here’s the car’s picts.

I am not relieved to see that these picts are in fact very
accurate / aligned to the damage that was caused that faithful day… But to be
honest… I have seen worse damage than this and cost a fraction of the this!!

I was advised by the insurance company that there will be a loading on my next
premium if the claim was 3k & above…

Also if there was to be a court case the bill will come to maybe about 4k…
& the person who loses the case will have to foot it. Insurance company who
reps me / the owner of the car + his lawyer + workshop.

Last week my sis-in-law had a slight accident with her corolla, the bonnet was
bent quite badly, the structure touched the radiator (Thank God), the grill was
smashed & the bumper cracked.
Guess what was the damage.

SDG800!!!

How can this light assembly cost so much??

3.2k!!!

To be fair, here’s a rough break down of the total bill.
1.9k for parts & repairs
1.9k?? what did he change?? The whole car’s back??

700 for car rental…………
700???
For 700, I can get a decent car for 2 weeks!!! Or did the workshop give him a
Merc or Alpha to drive?
Spray Paint Job??
2 Weeks??
They must be kidding!!

My sis-in-law’s bonnet repairs too 1 day, 1 day for change of parts, spray
paint etc…. 1 day……..

I am quite pissed cos it’s parties like this that wanna make a quick buck from such situation. (usually the owner is quite oblivious of the situation). Where prices and claims are super inflated so that they can get more from the insurance company. But who suffers in the end??

Not just the person who is paying for the claims… but everyone. Why? Cos these are the reasons why insurance costs are going up. That’s why IDAC is there for… But this also shows what so may workshops are pulling out from IDAC.

But after this… I will insist for an insurance company that partners with IDAC.

The picts are there… nothing is hidden or withheld… It is so tempting to be secular about this… I could have turn the table around him and said what he told me…

He apologized and said that he had to ebrake cos of a bicycle… *the cars on
my right moved off… what bicycle??

But I told him to forget about it and save the hassle and claim it from my
insurance…. This is what I got??

Sometime in situations like this, I really wanna make sure that I will not be
pushed around but I dun think that Christians should act like that esp for a
Christian Biker. I believe God see me through this as he did so many times.

It’s been quite some time since I had time to update this page but somehow have to find the time to do it coz…. I actually recieved a Lawyer’s letter from the car that I hit!

What’s wrong some may ask… well, one thing that I know is that he was driving the car, I was on the bike, I agreed to admit to being at fault and have asked him to proceed with the insurance claims.

The really shocking part was the cost of repairs!!!
His total repair was close to 1.9k!!! with other misc which came to 3.2k!!!

Mine? my damaged came to only about 150-200 to replace the cracked side mirror cover.
(You can see the picts of the damage on the previous posts)

His main damage was on the light assembly, the funny thing was the "transparent plastic" part brokebut the bulb was still working. I simply do not understand how a broken light assembly could cost so much, cos that was what was broken and a slight scratch on the back boot lid.

All I can say is that I have what is right and report this to IDAC as required, but I will report this to NTUC to refute this claim as this would definately affect my next insurance with a super high loading.

It’s common in SG for some unethical shops to "overclaim" to make alittle more from the insurance companies but it’s people like these that are pushing the insurance premiums higher and higher.

All I can do now is to give a call to my insurance company and then commit this to God.