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

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