SINGAPORE - Friday's letter by Mr Clement Foo Dun Jie ("Governing body needed for motor insurance claims") struck a chord with me.
Over the past few years, my wife's car has been hit twice by other vehicles.
In the first incident, her car's rear bumper was dented and loosened. The other driver admitted liability - not in writing, unfortunately - but denied responsibility subsequently when claims reached his insurance company, even counter-claiming that my wife was at fault.
In the more recent incident, a lorry struck my wife's vehicle from behind, causing her car to hit another one in front.
Her insurance company would not help with the third-party claim. But with photographic evidence and a police report after medical checks, the motor workshop was able to make a successful claim.
But when the insurer of the car in front made a claim against my wife's insurance, her insurer decided to settle it, which affected her no-claim bonus.