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Left in the lurch after traffic accident Published on Feb 07, 2014 ABOUT one-and-a-half years ago, my husband's car was hit by another car coming out of a side road. The other driver was apologetic and admitted culpability in writing. We duly made a report to our insurance company and had our vehicle repaired. However, we later discovered that the other driver had not reported the accident to his insurer, NTUC Income. As a result, we were unable to proceed to claim from his insurance. Recently, the workshop told us that NTUC Income had denied our claim and repudiated all liability, as the other driver did not make a report. This was despite the evidence - the signed letter from the driver admitting his fault, and footage from our car video camera. The General Insurance Association told me my only recourse was to sue the other driver. Despite doing everything by the book, we now find ourselves facing the possibility of having to pay for repairs resulting from an accident caused by someone else, with no other recourse except to pursue a potentially costly civil lawsuit against him. Is it ethical and legal for insurers to simply deny claims and repudiate liability just because the client did not make a report? Can the Traffic Police or other relevant authorities comment on this? Tok Laytin (Madam) (Source: http://www.straitstimes.com/premium/forum-letters/story/left-the-lurch-after-traffic-accident-20140207 )

From ST Forum: http://www.straitstimes.com/premium/forum-...-claim-20130325 Left in the lurch over car insurance claim Published on Mar 25, 2013 LAST July, my car was hit from behind by another car. I reported the accident to the insurance firm-designated workshop, thinking I could go ahead with the repairs. However, half a year passed with no progress. The workshop said the insurance company was sitting on the claim. When I called the insurance company, it said the other driver never reported the incident, so it could not proceed with the claim. I made a police report but the police said they would not take action as there was no injury. I later found out that the other driver and I had policies under the same insurance company. Is this the way an insurance company acts on claims? Is there a loophole somewhere? My car was damaged but I cannot receive compensation even though it was not my fault. The insurance company asked me to claim on my own insurance or go to a lawyer, for which I would have to cough out more money. I am at my wits' end. Wendy Ang Kweng Gee (Ms)