IDAC stands for Independent Damages Assessment Centres. It was a network of independent accident reporting centres for motorists in Singapore to file their motor accident report in a centralised location. The concept was to get damage assessment carried out at IDAC to curb ever raising claims. This was then widely accepted by all insurance companies and also created much convenience to motorists in Singapore. As with all services,the assessment and accident reporting services provided by IDAC incurred fees to the insurance companies and somewhere along the line, some of the insurance companies felt that they are not willing to pay for the services and started to break away from the network of IDAC by creating their own reporting locations.
A few year later, General Insurance of Singapore (GIA), introduce a new Motor Claims Framework (MCF) to curb the raising accident claims. The general concept is to mandate motorists to file their accident reporting within 24 hours after any accident so that insurance companies will have the earliest claims details and photos of the damages to assess the possible claim.Most importantly, under the MCF, they roll out a new initiative called “Pre-repair inspection”. All third party claimant must allows the potential defendant to appoint a surveyor to inspect the vehicle prior to repair. This technically cement the level of damages due to the claimant’s vehicle. MCF is still relevant as of this article.
Today 9 insurance companies remains as members of this IDAC network. The 9 insurance companies policy holders still enjoys the benefits of having IDAC centres as one of their options in the event of a need to file an accident report. Currently there are 7 IDAC centres spread around Singapore where motorists from the participating insurance companies get other accident related advises and guidance for accident claims.