Should I accept less than 100% settlement for kenna banged from behind?

[Qpik]

Nah...it doesn't work this way...

 

it is suppose to be a deterrent n warning to those pple who think nothing of wasting 2yrs or more dealing with lucy. not only does she gives u nightmare, constipation but also wreck havoc. machiam like she's perpetually in menopausal stage.

[Spenz]

Then why do ppl sure insure with her? if so bad... switch lah!!!!

 

Btw, I truly dont believe in paying to buy insurance, then have to fight to claim for what they are insuring... what the heck?

[Qpik]

i also don't believe but no choice...in spore, hv to buy comprehensive unless car loan is fully paid up.

 

pple insure with lucy cos she claims to be the most affordable, easy to claim

 

i'm nvr with lucy cos baizi bu he

[Tribeca]

I was kissed twice on the back by drivers that were

insured with lucy, both times, just send to workshop,

they make good the damaged & settled the claims

100% against lucy.

 

But it was a hassle to send to workshop, then collect

car after repair, even though there was a replacement

car to drive. All the time wasted.

[Qpik]

u lucky lor...

[Dingo35]

In the 1st place, why do you have to fork out the $$$ 1st for the repairs. Usually in cases like yrs which is clear cut 3rd party claims, all you need to do is send it to your workshop and let them settle the claims for you. I've kenna two similar cases like you in the last 3 yrs and and I did not even fork out a single cent. And both times, the other party's insurer is NTUC.

[Emperor]

  Quote

Yr Avatar more power la.... hahahahahaa

 

your quote lagi best... "I'm not tailgating, I'm keeping up with the pace car..."

 

in fact the whole quote is one of a kind..

[Unltd]

If u sit in my car..... When I travel on Eway on lane 1 you will find I keep to my quote, unless my baby is in car. Then I drive like a woman on lane 2 , one of the things I hate most about driving are the road hoggers who think they are right.

 

And of course generally most woman drivers, some who think they are Kimmi but cunch drive for nuts and the rest are those who simply should be too afraid to drive.

 

Opps.... I am opening a can of worms with this post

[Emperor]

WORMS RULES!!!!

 

I agree 100%.

[Moeykf]

  Quote

I'm not sure.. cos my lawyer didn't indicate anything about liability.

 

Original claim:

Repair $2224

Loss of use $420 ($60x 7days)

Surveyor report $232

 

 

Aunty Lucy offer:

Repair $2000

Loss of use $300

Surveyor report $232

 

So from these figures I get 88% of the original claim loh.

ask aunty lucy go and ICE-CREAM. make sure aunty lucy pay you the original amount. if u accept their figures tat mean u r 12% at fault....so in the end it will be both parties fault.

[Alfpoon]

  Quote

Just got a letter from my lawyer that Aunty Lucy is offering to settle my 3rd party claim at 88% of what my lawyer originally claimed for. Was kenna banged from behind when I was stationary at a slip road while giving way to vehicles on the main road.

 

Not too sure about what I shd do cos it is quite clear cut that the other party is at fault. If that is the case, then why am I not able to claim 100%?? Is this an industry norm that it is very difficult to claim 100%? I scared that if I refused, the whole case will balloon into another Jonathan Lock case and make me famous.

 

Any advice??

 

Is this you? if not..you are not alone...NTUC is really trying to pull a fast one on uninformed drivers!

 

http://www.asiaone.com/News/AsiaOne%2BNews...1108-35234.html

 

Why didn't they just go to the workshop?

 

THE offer: $2,100.

 

The catch: No further claims.

 

But the settlement sum was much less than the estimated cost of repairs to his car.

 

It seemed like an unfair proposition, so Mr Keith Tan, 22, ignored the letter from insurer NTUC Income.

 

But he thinks others who receive such a letter might not understand the implications of accepting the payment.

 

This means that those who have signed the letter may have to fork out the difference if the repair bill amount is more than what the insurer has offered.

 

NTUC Income explained that it made a direct offer to Mr Tan as he had not indicated his choice of workshop.

 

A spokesman also said that if the amount offered was insufficient, he could have negotiated with the company.

 

But Mr Tan, who works in the marine sales line, decided not to accept the offer and to let his workshop handle the matter instead.

 

Mr Tan was driving from Sengkang towards the Tampines Expressway at about 8am on 3 Aug when he was hit from the back by a Kangoo van.

 

The impact damaged the back and bumper of Mr Tan's silver Toyota Altis and the boot could not be closed.

 

The other driver was insured by NTUC Income.

 

Mr Tan drove to the Independent Damage Assessment Centre (IDAC) at Kaki Bukit immediately after the accident.

 

Those who want to make a claim for their vehicles after an accident have to take them to an IDAC within 24 hours of the accident.

 

 

Photo/ KELVIN CHNG

The IDAC will certify the extent of the damage and photograph the damage but it does not assess the repair cost. Drivers are also asked to sign insurance claims forms there.

 

Mr Tan then took his car to a workshop in Hougang the same day. A third party surveyor went there and estimated the cost of repairs while he was there.

 

Mr Tan left his car at the workshop for three days and was given a replacement car in the meantime.

 

On 11 Sep, he received a letter from NTUC Income asking him to acknowledge payment of $2,100.

 

A discharge voucher was attached, and by signing it, it meant accepting 'full satisfaction liquidation and discharge of all claims'.

 

A confused Mr Tan called the workshop.

 

He said: 'I was surprised when I found out from the workshop that the third party surveyor report showed that the charges incurred could have been more than $3,000.'

 

He was concerned that he would be liable for any difference in costs and that the workshop would ask him to pay the balance.

 

'I kept wondering why they didn't just go to the workshop? Shouldn't they pay them directly?' said Mr Tan.

 

He ignored the letter and the workshop said it would handle the matter with NTUC Income.

 

One of the supervisors at the workshop told The New Paper it was the first time he had come across such a case. He said he advised Mr Tan not to sign it.

 

Said the supervisor: 'The insurance company should deal with the workshop and not send the letter to the owner.

 

'If the driver signs the letter and the cost is more than that, he will have to pay the difference.'

 

In the end, the workshop accepted NTUC Income's offer of $2,873.

 

A NTUC Income spokesman said that if Mr Tan felt that the offer was not sufficient, he could have negotiated with the company.

 

She added: 'He should not accept an offer by signing the discharge voucher if he knows that the offered amount is insufficient to compensate him for his loss.'

 

The spokesman said it was the company's practice to attach discharge vouchers with its letters of offer.

 

'This is to speed up the claim process,' the spokesman added.

 

First published by The New Paper on Nov 6, 2007

[Sosaria]

Thought anything more than 90% should be okay already? I mean, as long as you can win more than 90% settlement, then your NCD, etc. is not affected. Then it's good enough.

[Tiek]

That's not me. But that's really underhanded of NTUC to go direct to the victim who might not know the implications of signing the discharge letter.

 

[Latio79]

Bro, does that mean if if i won eg 89% settlement, my NCD will be affected?

[Latio79]

Bro, so by accepting the offer, is your ncd affected?

I also received letter of conpensation.(mine 90%).

Wish to close the case fast. Thanks for sharing..

[Vblaster_w211]

Always go for larger companies for claims repair like STAR. They will engage their lawyers to settle everything for you. Even if insurance companies like NTUC wants to go for partial settlement, your repair company lawyers will settle for you. Sometimes, to not drag out the case, the repair company may just take the partial settlement if it makes economic sense.

 

At no times should one settle on one's own with an insurance company. Your repair company will just ask you to settle the rest of the outstanding bill or claim your insurance, which means bye bye to your NCD.

[Ghostrider]

Reply to them with these 3 initial....

 

nln

 

which equals to the birdie.

[Tiek]

I think u shd call up ur insurance company to clarify. For my case, my insurance was not involved at all. I paid for my repairs upfront with cash, so Aunty Lucy (the other party's ins) just compensated me with cash. So I'm very clear that my NCD is not affected because I didn't make any claims from my insurer.

 

Hope this helps. I have already received the cheque and hopefully everything is case closed.