My wife and two children were in a vehicle that was involved in a three-car collision on a slip road from the Central Expressway to the Pan-Island Expressway on June 19.

The last car crashed into her car, which in turn hit a car in front. It was a minor accident and no one was hurt. The drivers alighted from their cars to take photographs and exchange particulars.

At that moment, two “helpful” men stopped their vehicles to offer help to my wife and the driver of the first car.

The duo offered to send their cars to workshops for repairs, but did not offer help to the driver of the last vehicle, which caused the accident.

My wife did not accept their offer but the first driver did. Instead, we got our car repaired at our insurer’s authorised workshop.

A few weeks later, we received a legal letter claiming medical ($8,000 for back sprain) and car repair fees on behalf of the driver of the first car.

We called the driver to ask about his condition, and he claimed the auto workshop asked him to see a doctor to obtain a medical report, even though he was not injured.

Our insurer assured us it would settle the damages with the other party, and that this would not affect our no-claim discount.

While I understand its legal team would negotiate for a lower settlement, such claims are a waste of legal fees and resources, and are causing motor insurance premiums to keep on rising.

Some unscrupulous auto workshops are known to work closely with legal firms and medical clinics, and even provide cash rewards for victims of car accidents.

Is it time to review the motor insurance market?

Chian Ze Quan

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