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A close friend related this unhappy,undesirable and unfair experience to me.Really freak ed the hell out of me. Someone hit his new toyota vios from behind(obviously NOT his fault) so he go ahead to claim the other party insurance but when he reported to his own insurance,he was told that they do not do 3rd party claim & suggested he claim his own insurance 1st,then get all relevant documents and claim back from the other party insurance(to be done all by himself).As this is the 1st time he dealt with such situation,he got no choice but to follow suggestion,in the end was only able to claim back the access amt he had paid (abt $400-access of his own comprehensive policy) from the other party insurance company.Now since he had made a claim against his OWN insurance,he lost his NCD & higher premium next time. Some even suggest that he should get a lawyer to write a letter to the other party insurace to fight for the claim but too risky if he were to do that,becoz he might end up gaining nothing and still got to pay for legal fees-not worth at all. This is a clear cut case-NOT his fault,if happened few yrs ago,no problem at all,never heard of such thing as "we dun do 3rd party claim". Now seemed that not his fault but in the end he become the victim-lost NCD and pay higher premium. Can someone advise on this? Any solution ? why why why???