At the police station
Dealing with the damage
- all particulars taken down
- certified copies of police report
- medical reports
- receipts for expenses incurred, e.g. medical fees, transport charges, rental of vehicle, etc.
- documents supporting your claim — photographs and negatives, repair bills, receipts, medical reports.
Claiming for damage to your vehicle
(1) Claim from your own insurance company
(2) Claim from the other party's insurance company
Engaging a lawyer
What will your lawyer do?
- take down a full statement from you and examine all the documents that you have, consider the evidence, and explain to you the types and the quantum of claims that you may be granted.
- write letters to the police station for copies of the police reports as well as the sketch map of the accident site.
- if you have not obtained the medical reports, the lawyer will write to the hospital for medical reports.
- write to the insurance company concerned for compensation.
- if no adequate compensation can be obtained, the lawyer will file a civil suit, prepare the documents and get ready for trial. Even at this stage, parties are free to arrive at a settlement.
- Special damages — These are claims for specific expenses (e.g. transport, repairs to vehicles, hiring another vehicle, medical expenses). Generally, special damages deal with specific monetary expenses, incurred by the claimant as a result of the accident.
- General damages — These are compensations for pain and suffering as a result of injuries caused to a person.
- Liability — Who is responsible for causing the accident?
- Quantum — How much should the injured party receive?
Collecting the money
One final warning!
(Extracted from "Road Accidents" pamphlet published by The Bar Council)