Repair your car after an accident

There are three main methods adopted by insurance companies around the world to handle the repair of the car, after an accident:

1. motorist find a workshop who claim against the insurer
2. insurer arrange the repair and pay the bill
3. insurer offer a payment and the motorist arrange his own repair

The most common method adopted in Singapore in method 1. This method has led to inflated claims. The workshop is able to aggravate the damages, get a surveyor to prepare a report and submitted an inflated claim.

NTUC Income adopted method 2. The motorist leaves the car at an Idac center and collects it a few days later, when the repair is completed. The quality of service and repair is satisfactory, as it is monitored by the claim specialists.

This method is also used by many large, successful insurers in other countries. It is effectively in producing the best results for the consumer and the repairer.

Method 3 is widely adopted in some countries. NTUC Income has also offered method 3 as an option. Less than 10% choose this option. They prefer method 2, as they prefer the repair to be taken care by the claim specialist.