About The FIDReC-NIMA Scheme
The FIDReC Non-Injury Motor Accident Scheme
("FIDReC-NIMA Scheme") helps consumers resolve non-injury motor accident
disputes with insurance companies in which the amount claimed is below $3,000.
The FIDReC-NIMA Scheme covers claims by complainants against an insurance
company which is not their own insurer.
Under the FIDReC-NIMA Scheme, non-injury motor accident claims below $3,000
would have to be first mediated and where necessary, adjudicated by the
Financial Industry Disputes Resolution Centre Ltd (FIDReC) before court
proceedings could be commenced, unless exempted by the FIDReC pre-action
FIDReC is an Alternate Dispute Resolution institution. Its role is to administer
the FIDReC-NIMA Scheme in accordance with the "Pre-action Protocol for
Non-Injury Motor Accident Cases (Appendix C of the State Courts Practice Directions)"
issued by the State Courts.
At its inception, the Scheme required all
non-injury motor accident claims ("NIMA claims") below S$1,000 to be first
mediated and where necessary, adjudicated by FIDReC before court proceedings
can be commenced, unless exempted by the FIDReC pre-action protocol.
With effect from 1 September 2011, the Scheme has been extended to apply to
NIMA claims below S$3,000.
Some Key Features Of The Scheme
Both the consumer and the insurance company present their own case and legal
representation is not allowed. This is in keeping with the current practice of
FIDReC where all disputants in all FIDReC cases present their own case. This
practice serves to keep costs affordable at FIDReC for all parties.
Before carrying out repairs to the vehicle, the consumer has to first notify
the insurer complained against and give the insurer an opportunity to inspect
the vehicle during the next two working days (excluding Saturdays, Sundays and
public holidays) following the notification.
Disputants Required To Co-operate Fully With FIDReC
All disputants are required to co-operate and comply fully with FIDReC's
processes, instructions and timelines. Disputes which are not settled at
mediation after 2 months will proceed to adjudication. The adjudication process
takes about 3 months. Disputants should make appropriate arrangements to ensure
that they are available to attend all interviews, meetings, mediation sessions
and adjudication hearings held by FIDReC.