Car insurance claims can be confusing. Here are some common questions and answers about filing claims with your car insurance company.
How do I file a claim?
Many car insurance companies offer multiple avenues to file a claim. You may be able to file:
- In person.
- By phone.
- Via a mobile app provided by the company.
Essentially, you'll need to provide some basic information (see next FAQ) and provide accident details. To learn more, visit our How to File a Claim page.
What do I do immediately after an accident?
Immediately after an accident:
- Check to see if any parties need urgent first aid attention.
- Do not move the vehicles, unless they are endangering oncoming traffic.
- Contact the authorities for medical and police services.
Once help is on the way:
- Gather the VIN and license plate numbers of all vehicles involved.
- Exchange the following information with the other driver(s):
- Addresses, phone numbers, and insurance information.
- Do not apologize or admit fault. Avoid discussing the accident until the authorities arrive.
- Take photos of damages.
Once you have the necessary information, give it to your car insurance provider.
What information do I need to have to file a claim?
Each insurance provider has a different set of information required when filing a car insurance claim. You will need, at a minimum, the following:
- Policy number (listed on your insurance card).
- Date of the accident.
- Location of the accident.
- Description of how the accident occurred.
- Name, address, license plate, and insurance information for the other party involved.
- Name of the police department involved (if applicable).
- Police report number (if applicable).
What we do at SC Advisors is not just a science; it's also an art. We value quality over quantity and choose to work on substantive projects with a limited number of public and private clients. We customize our strategies and operating plans to meet each client's specific business and/or policy objectives and then guide them through each stage of the real estate development process. With more than 40 years of team experience and $2 billion in development and transactions behind us, we have the proven industry experience to meet clients' specific business and/or policy objectives.
We guide our public and private clients through every stage of the development process from the first idea to project completion:
- Site selection
- Entitlement and zoning
- Market feasibility
- Financial return modeling and analysis
- Capital or debt structure and commitments
- Planning and design development
- Budget and schedule management
- Contract procurement
- Risk and asset management
DESIGN + BUILD
We manage all aspects of Design and Build Projects, including:
- Site selection
- Entitlement and zoning
- Capital or debt structure and commitments
- Programming and design development
- Budget and schedule management
- Team and contract procurement
- Risk management
- FF&E and OS&E procurement and installation
- Pre-opening commissioning and close-out
ACQUISITION + DISPOSITION
We deliver the highest levels of integrated planning and project execution, which typically comprise:
- Property selection
- Listing contract negotiations
- Due diligence, including market feasibility, pricing, operating performance, and financial return modeling and analysis
- Cap X evaluation
- Asset management
We advise and manage the phases of all real property assets, such as:
- Development strategies and operating plans
- Asset management
A great opportunity to meet other Mums in a similar situation to yourself.
New Mothers Support Group Singapore - As a not-for-profit society we have to keep our running costs as low as possible so that we can keep giving you, our members, the best value. And from time to time, the cost of running events rises. For more than 6 years we've been able to offer our socials at the same price but unfortunately we have had to take the decision to raise our entry fees for our Gymboree socials. From 1 March 2016 the entry fee for our Gymboree Tanglin socials will increase from $5 per child to $7 per child.
- Please note that no food or drinks are permitted at Gymboree. However, there are a couple of benches just outside where you can feed your baby.
- The Gymboree caters for children aged under 60 months and children above this age will not be permitted to enter the play area.
- All adults must wear socks within the Gymboree centre. So please pack some in your bag before coming along, otherwise a pair can be bought for S$2.00 at the centre.
- Please note, due to the popularity of this venue, we have started a first come / first served system as there is a limit to the number of children/adults permitted in the Gymboree Room at any one time.
- Meet-up registration does not guarantee you a place at our regular socials.
- As entrance numbers are limited, we respectfully remind you that helpers are not allowed to attend our events.
You can register your interest in attending this event via the NMSG Meetup Group
Gymboree @ Tanglin Mall is between 3pm to 4.30pm on the following dates in 2016:
Gymboree @ Tanglin Mall
$7.00 per child (cash only please)
How will you respond if someone asks you on what art is? The meaning of art is very broad with many answers. It is one component of culture that lets the artist express his feelings, thoughts and observation. Its concept is subjective, open and debatable.
So how or when will you say that a piece of work is an art? Do you have the knowledge to distinguish good art from bad art? If not, then look for a fine art consultant and a prominent art gallery to help and guide you in buying art. Hawkfield Gallery consultants and its fine art consultants had established a good reputation in the art industry because of their knowledge and capability to recognize talented artists and worthy artworks.
Hawkfield Gallery's massive art collection spans from the 20th to 21st century American visual arts. The gallery's fine art consultants provide quality service to people who are willing to sell or buy impressive artworks. They don't just focus on collectors; they work closely with first-time buyers too. Their wide experiences in buying and selling art have helped first-time buyers to start their own collection and to motivate those who want to enter the art industry.
Check out the website of Hawkfield Gallery or ask for an appointment with them. Their gallery is located in a shore town midway between Boston and Cape Cod, a place where you can see breathtaking landscapes. It is housed in an 1850's farmhouse and became a tearoom, craft shop and lending library in the 1920's. The farmhouse is located in an area beside the historic North River. Tourists can take a stroll along woodland trails which lead to a pier on the river. Moreover, the place has numerous antique shops, galleries of historic sites in the South Shore's Plymouth County.
The team of Hawkfield Gallery aims at enhancing and preserving folk art and American culture contained on artworks. Purchasing an artwork in Hawkfield is like helping to preserve the cultural heritage of America. You will somehow feel that you contributed in maintaining the America's culture and protecting it for future generations.
Whether you are pregnant or have little ones, join the NMSG's brand new Walk in the East Coast Park.
We will meet up in in the sitting area near Parkland Green's Starbucks for a 25 brisk walk towards the Lagoon and then head back to Parkland Green for a drink and chat at Starbucks.
This walk is a great way to meet other mums and mums to be as well as to do some exercise out in the open.
Leave the heels at home and dig out those trainers for a fit 50 minute walk followed by a drink and chat at Starbucks.
Don't forget you’re mozzie repellent!
Check the NMSG Meetup Group for further details and to express interest in attending this month's Walk@East Coast Park
At 9.30am on the first Monday of every month
Meet at sitting area behind Parkland Green's Starbucks
Art has a very broad definition and it varies depending on who you’re asking it to. In an art collector’s perspective, art is something that can be acquired inside an art gallery. And that answer definitely makes sense.
Art galleries know what good art is, it is a place where visitors can look and appreciate worthy visual forms of art. They have the technical and artistic capabilities to identify exquisite art works that have a significant value in the art industry. From here, a client can buy something that interests him whether as an addition to his expansive collection or simply because of the attraction brought by the piece.
Do you have a love for art and want to start collecting? If yes, then you must have sufficient art knowledge and competent buying skills. The trusted and proven fine art consultants of Hawkfield Gallery have a vast experience in buying and selling of arts. They have gained the in-depth knowledge needed to educate and assist art enthusiasts in enhancing their own collection so they wouldn't be taken advantage in the process. Art collecting is a passion that lasts a lifetime, it is shared by those who love art and wish to expand appreciation for great and significant art works.
Hawkfield Gallery has the intent to promote American fine art and folk art. To recognize and appreciate American culture and history brought by the art works they exhibit. They have a good reputation in advertising arts and its artists. Visit Hawkfield Gallery, you won’t fully appreciate art if you don’t see it in person. It is one benefit and importance of having art galleries in our society. They let you experience and appreciate art in its full potential.
Hawkfield Gallery is in Massachusetts located on a shore town midway between Boston and Cape Cod. It is housed in an 1850’s farmhouse and became a tearoom, craft shop and lending library in the 1920’s. The farmhouse is located in a neighborhood next to the historic North River and was once operated as a dairy farm up to the 1960’s.
Owning an art is personal and has numerous benefits, it sometimes represents the owner’s value, personality and outlook on life. When you collect art, you’ll learn about culture and history far and wide. Invest in art and bring home an artwork from Hawkfield Gallery. It will fill your soul with wonder and contentment, a sense of happiness in knowing that you somehow contribute in preserving American culture and heritage.
Bring your little ones along for a jolly-jingle morning of soft play and Christmas fun.
They will be able to meet Santa, have a photo taken on his lap, receive a gift from Santa and a free play pass for Polliwogs.
Also, amazing prizes to be won from our discounters.
WHEN: Friday 2 December, 10am-12pm
WHERE: Polliwogs Suntec City, 3 Temasek Boulevard, #02-724-727
Tower 4, Suntec City Mall, 038983
COST: Earlybird price $18 + $8 for every additional sibling Online and on door price $20 + $10 for every additional sibling.
**Places are limited to 100 children on a first come first serve basis.
This is an event solely for NMSG Members if you are not an NMSG member and would like to join please complete the application form - click here. Annual Membership is 35$ and includes Events, Discounts, Bi-monthly Newsletter in the post and much more!
As with all NMSG events, this is strictly a parent/child event.
Generally Japan Japan Company Trust, by providing a real proof of Japanese companies overseas, the company's confidence in the more reliable ones, to help to advance the business smoothly, contributing to the development of international trade in Japan it aims at.
Now that online business has become the mainstream, jumping over the border if they have PC, it enables a wide variety of transactions, is no longer a business is a global era. But along with also high risk that at the same time easy to get involved in Internet fraud. Since online business is not a face to face transactions, it will not be able to check only the presence of the other companies only in the image and description of the web site.
So, JCTO is confirmed by the or a commercial copy of the registration or the like exists in the location that has been posted on the web site without any business in Japan is a mistake, we will provide information the information of the business in the web site. In addition, by posting JCTO trust seal to your web site, you can appeal your company's reliability. The company side of the overseas by doing so it is possible to prevent in advance the fraudulent trouble, also enterprise side of Japan will be able to provide the peace of mind and confidence. JCTO in both, we believe that it is possible to provide a safety and reliable business.
There were a lot of reviews about Harmony Chinese Takeaway available on the internet, and to add further details about the takeaway restaurant, this particular post will provide the experience and feedbacks of individuals who traveled a long way just to order the foods of the restaurant, in short, patience and determined visitors from various areas.
We gathered their reviews and one said that the foods at Harmony were the best on Christmas Eve. Many families enjoy Chinese foods on such occasion and we found out that recommendations from different customers brought them to the restaurant to try it out. For those people, Christmas is not the same without the top quality Chinese food of Harmony Chinese Takeaway.
A certain review also explains how it was spotlessly clean at the takeaway and how they received a warm welcome from the staff. Most of them never imagined that Harmony follows high standards when it comes to their food. They were moved by how the staff always gives them a good chat because they never thought that taking their order would turn out into a meaningful conversation with different people.
There’s also this review that tells how kind the staff was. His friend was in a wheelchair that time and the staff did not think twice in helping them get into their car. They praised the excellent customer service of Harmony Chinese Takeaway. This takeaway has more than your favorite food but it also has a friendly mood inside with a polite and honest staff.
Reviews also reveal that the food was still hot even after they got home and the rich flavor was evident in each bite. “Delicious”, “very tasty”, “mouthwatering”, “it melts in your mouth” – these words were very common in any Harmony Chinese Takeaway food reviews.
Most customers who made those reviews about the takeaway restaurant promised to come back again, and they said that Harmony will be seeing a lot more of them because of its great food. With their recommendations to their family and friends, the restaurant is palpably getting more customers each day from different places.
Banks may face formal inquiry into whether they can refuse to reimburse victims conned into transferring money into fraudsters’ accounts
UK banks should do more to protect customers tricked into transferring money to fraudsters, according to a consumer body that has lodged a “supercomplaint” with financial regulators. The move by Which? means banks could now face a formal investigation into whether they can continue refusing to reimburse victims.
The organisation submitted its first supercomplaint this year in the same week that official data revealed that fraud in the UK payments industry had soared by 53% as criminals develop increasingly sophisticated tactics to steal bank customers’ cash.
Which? said banks should “shoulder more responsibility” when someone is conned into transferring money to another person’s account, just as they reimburse customers who lose money due to scams involving debit and credit cards or fraudulent account activity.
Some customers have lost considerable sums. In March this year the Guardian featured the case of Sarah and David Fisher, who were conned out of £25,000 after a fraudster posed as their builder and emailed them a fake invoice that was virtually identical to the one they were expecting.
The explosion in online and mobile banking means UK consumers now make more than 70m bank transfers a month, compared with just over 100m in a whole year just a decade ago. Which? claims that “protections have not kept up”.
Using its legal powers, the organisation has submitted a supercomplaint to the Payment Systems Regulator, the watchdog for the UK’s £75tn payment systems industry, which must now respond within 90 days.
There are many financial frauds that directly target customers, such as phishing emails and phone- and text-based scams. However, among the biggest growth areas are impersonation and deception scams where fraudsters hack into someone’s email account and then pose as the builder, solicitor, landscape gardener or other tradesperson that the consumer has legitimately employed. Typically, the victim receives an invoice via email, which does not rouse suspicion because they were expecting it. It looks authentic and is usually for the correct amount – however, unbeknown to the consumer, the bank account number and sort code have been changed to those of the fraudster.
This is what happened to the Fishers, from north-west London. Last October they received a genuine invoice for building work that was being carried out, then what appeared to be a follow-up email from the same firm with a fresh invoice attached that included “our new banking details”. The couple duly paid the requested £25,000, and while it quickly emerged they had been scammed, by the time the bank that operated the account used to accept their money was alerted, the cash had been withdrawn.
Almost a year after the incident, they have yet to recover a penny of their money. Sarah Fisher, a record label manager, told the Guardian this week that the police had identified the fraudster as someone living in Denmark. As a result, the case was “not being progressed” and had effectively come to a halt.
She added: “We took it to the financial ombudsman, who said that Barclays [which operated the account] had not behaved improperly.” However, she said their MP, Tulip Siddiq, had said the case raised important issues and intended to pursue the matter in parliament.
Victims conned in this way currently have no legal right to get their money back from their bank, said Which?. Banks typically refuse to refund customers on the basis that they made the payment voluntarily. However, Which? said: “Consumers can only protect themselves so far. People cannot be expected to detect complex scams pressuring them to transfer money immediately, or lookalike bills from their solicitor or builder.”
The organisation said banks had invested in security systems to detect and prevent fraud where they were liable to reimburse the victim, but added: “There aren’t sufficient checks if someone is tricked into transferring money directly to another person’s account.”
Which? said it wanted the regulators to formally investigate the scale of bank transfer fraud and how much it was costing consumers, and propose new measures and greater liability for banks to ensure consumers are better protected.
The Payment Systems Regulator confirmed that it had received the supercomplaint and said it would examine the evidence Which? had supplied and gather its own, “to build a clearer picture of the issue and decide a course of action”.
Possible outcomes might include regulatory action, a review or a referral of the complaint to another body.
Customer support service by UserEcho