Which are the conditions for claiming compensation (including the burden of proof)?
2.1 In order to be able to claim compensation under the Civil liability regime, the following conditions must be met:
In general, the burden of proof for claiming damages based on tort or contract would lie with the claimant.
To establish and claim damages under the tort of negligence, the claimant must show that (a) there was a duty of care owed by the person committing the tort to the claimant; (b) the person committing the tort did not meet a reasonable standard of care; and (c) the damage suffered by the claimant is causally linked to the acts of the person committing the tort and the damage was reasonably foreseeable.
In the context of medical negligence of a doctor, the applicable standard of care for diagnosis and treatment is whether a responsible body of medical opinion, that is internally consistent and logical, supported the doctor’s actions or omissions. The applicable standard of care applicable to doctors in respect of medical advice is governed by a three-stage test which places emphasis on whether the doctor has provided the patient with sufficient advice and information to make his/her decision, and whether a doctor is justified in withholding information from the patient is determined according to what an ordinary and reasonable doctor would have done in the circumstances.
To establish and claim damages for a breach of contract, the claim must generally prove (a) the existence of a contract; (b) a breach of its terms; and (c) that the damages claimed is causally linked to the contractual breach and are not too remote.
2.2 Which are the grounds for exclusion of liability?
The grounds for exclusion of liability of manufacturers, healthcare professionals and the State would be those set out in contract. Such contractual exclusions of liability may be subject to restrictions under the Consumer Protection (Fair Trading) Act (CPFTA) and Unfair Contract Terms Act (UCTA).
Where manufacturers, healthcare professionals or the State deals with consumers in Singapore, the CPFTA would apply. The CPFTA prohibits unfair practices, which may include exclusions of liability that are harsh, oppressive or excessively one-sided so as to be unconscionable.
Further, where the UCTA applies to an agreement with a manufacturer, healthcare professional or the State, the UCTA prohibits exclusions of liability for negligence acts causing death or personal injury. For consumer products, the UCTA also prohibits a manufacturer or distributor from relying on a term or notice to exclude liability for product defects or negligent manufacturing or distribution. For exclusions of liability for other loss or damage, such clauses are generally only valid under the UCTA insofar as these are reasonable.
Aside from the above, in the event of a claim based on tort, possible defences which a manufacturer, healthcare professional or the State may raise include contributory negligence or voluntary assumption of risk. In the context of medical negligence, some defences which may be raised by a doctor include waiver by the patient and treatment provided on an emergency basis. For claims based on breach of contract, some vitiating factors (which would invalidate the contract) are frustration, mistake, misrepresentation and illegality. For certain statutory offences, there may be corresponding statutory defences in the relevant legislation.
2.3 Which are the time limits for submitting a claim for compensation?
The limitation period for bringing a claim for negligence causing personal injury is generally (a) 3 years from the date of injury; or (b) 3 years from the date of required knowledge for starting the action, whichever is later. This limitation period is subject to an overriding time limit of 15 years from the date of the act causing the injury.
The limitation period for bringing a claim for negligence causing other damage is generally (a) 6 years from the date of damage; or (b) 3 years from the earliest date on which the claimant had the required knowledge for starting the action and the right to bring such an action, whichever is later. This limitation period is subject to an overriding time limit of 15 years from the date of the act causing the damage.
The limitation period for bringing a claim in contract is 6 years from the date of the breach of contract.
2.4 Which damages can be compensated?
Where negligence is found, the Singapore courts have awarded general damages (for pain and suffering, loss of amenities, and post-trial monetary loss, such as future earnings and future medical expenses) and special damages for pre-trial pecuniary loss (such as medical, nursing and supportive care, transportation and household expenses, and pre-trial loss of earnings or profits).
Where a breach of contract is found, the Singapore courts will award damages to place the aggrieved party, as far as possible, in the position he or she would have been had the contract been performed fully. The award of damages is generally based on pecuniary losses but the courts may take into account non-pecuniary losses (such as mental distress).
2.5 Is it possible to claim compensation directly to the insurance company of the damaging party?
This would depend on the terms in the relevant insurance policy.
Under the Contracts (Rights of Third Parties) Act, third parties may be able to claim compensation directly from the insurance company if (a) the insurance policy expressly enables them to do so, and (b) the insurance policy purports to confer a benefit on them and expressly names them, unless it appears from the policy that the parties did not intend the term to be enforceable by them.
In practice, insurance policies commonly exclude the rights of third parties to claim under the policy.
The Third Parties (Rights Against Insurers) Act also provides an avenue for victims and involuntary creditors of a bankrupt or wound-up party to seek recovery from that party’s insurers, in priority over other claimants against the insolvent estate of that party.
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