My car was stationary on the expressway during a traffic jam, but was hit hard on the rear by a reckless driver. The driver refused to admit he was at fault and only passed me a name card. I took down his vehicle registration/make/model and made an insurance claim through MotorImage. My car is less than one year old.

A day later, I started to experience symptoms of whiplash - severe headache and neck pains - as during the collision, my head hit the window and was flung back. I was attended to by a doctor in Tan Tock Seng A&E and a police report was later made against that driver.

My questions are:
1. Since my vehicle is new, can I demand the replacement of all damaged parts to original and no panel beating through the claim.
2. How should I make personal injury claims against that driver? Is my injury claim part of the motor claim?

We wish to inform you that your motor insurance should restore your car to the condition similar to what it was in before the accident. Thus, for a relatively new vehicle, all damaged parts would usually be replaced with new parts that are either genuine or manufactured by OEM suppliers.

Vehicles more than three years old would usually be repaired and fixed with good-quality reconditioned parts by the insurer.

Its best for you to clarify with your insurer on their replacement parts policy.

To make personal injuries claims, do attach all relevant documents like the medical report from the hospital, medical bills and police report, to file medical claims through the same workshop.