The Second Explanation (Dtd 30Jun05)

After a few days of waiting, finally Mr Cho (The assessment officer of the case) replied. In my previous mail, I have requested for the two assessment reports of the accident.
Let's see what he had replied:

From: "Cho Lai Weng" cholw@income.com.sg
To: XXX@yahoo.com
CC: "Lai Ah Kin" , "Goh Swee Kiang Yvonne" , "Goh Peng Hong" , "DAVID TAN" , "Tan Chiew Hua" , "Chan Wai Hoe"
Subject: Fw: Third Party Claim No. 6048683 --- Accident between XX9999X & XXX1381X on the 06.05.2005
Date: Thu, 30 Jun 2005 14:26:09 +0800

Dear Mr. Tan ,

Liability assessment is based on the accident reports / photographs of the damaged vehicle of both parties , witnesses statements if available and very importantly , adherence to the BOLA system of assessing which is recommended by the Traffic Police.

Firstly , our Assessor had to ascertain whether the damages inflicted on both vehicles are consistent with the accident or not . In a nutshell , whether the said mechanical damages can be generated based on both reports . If the damages are not consistent , then doubt will be cast over the integrity of one's report . In this accident , our Assessor had concluded that the damages are in tune with both reports . Next , we look at the availability of witnesses statements . In this context , no such statements produced from both parties . Finally , the BOLA system comes into play , and as I had mentioned before , in the absence of independent , unbiased witnesses statements and both parties claiming green lights in their favour , onus is on the turning vehicle.

Based on our experience , we felt that in order to fight this case , the presentation of an independent , unbiased witness statement to substantiate that your goodself has the right of way is of paramount importance in this accident scenario. If not , the availability of a Police Investigation report which revealed that the Third Party was charged successfully for traffic offences eg. careless / inconsiderate driving can help tremendously your case . Unfortunately , both the witnesses statements and Police Investigation report are not available and reciprocally , we have to come to that decision which regrettably not to your favour .

We hope the above explanation answer your queries and please let us have your response regarding the adoption of the Independent Adjudicator scheme to conduct a review of the case . If we do not hear from you by 4th July 2005 , I am afraid we need to proceed to settle the Third party claim against you .

Thank You

Yours Sincerely

Cho Lai Weng
Claim Service Centre
NTUC Income
DID : 6877-3208

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Second email to support his previous email:

From: "Cho Lai Weng" cholw@income.com.sg
To: XXX@yahoo.com
CC: "Goh Peng Hong" , "Goh Swee Kiang Yvonne" , "Tan Chiew Hua" , "Chan Wai Hoe" , "DAVID TAN" , "Lai Ah Kin"
Subject: Re: Fw: Third Party Claim No. 6048683 --- Accident between XX9999X & XXX1381Xon the 06.05.2005
Date: Thu, 30 Jun 2005 15:43:52 +0800

Dear Mr . Tan ,

Our Claims Committee and the original Assessor judgement on the case are also based on accident reports / photographs of the damaged vehicles , witnesses reports if available plus the BOLA system of assessing .

Hope it further clarifies .

Regards

Cho Lai Weng


Again...... NTUC Income could not give me what I wanted. I am asking for assessment reports not the general guidelines used to assess an accident. Anyone knows what are the differences between Guidelines and Assessment?

My reply to NTUC Income:
Date: Thu, 30 Jun 2005 01:48:44 -0700 (PDT)
From: XXX@yahoo.com
Subject: Re: Fw: Third Party Claim No. 6048683 --- Accident between XX9999X & XXX1381X on the 06.05.2005
To: "Cho Lai Weng"
CC: "Goh Peng Hong" , "Goh Swee Kiang Yvonne" , "Tan Chiew Hua" , "Chan Wai Hoe" , "DAVID TAN" , "Lai Ah Kin"

Dear Mr Cho,

Please send me a detailed report in the form of a formal document, not further summaries of your discussions. If you are still not sure of my requirement, please let me know. Or if anyone in the CC list knows that I am referring to (e.g. a detailed report like a Word document), please send to me.

Regards,
Tan XXX XXXXX

Ok, let me discuss about the difference between "guideline" and "assessment":
Quoted from www.dictionary.com:
"Guideline - A statement or other indication of policy or procedure by which to determine a course of action"
"Assessment - the act of judging or assessing a person or situation or event"

An example to illustrate the difference:
Below are the guidelines in choosing a good water melon:
1) Hit on the fruit with your palm
2) Listen to the sound produced
3) Look at the colour of the skin
4) Try to weigh it with your hand

Below is the assessment when a water melon is tested:
1) The fruit is hit with my palm
--> It gives me a solid feeling, meaning it is juicy
2) The sound produced is solid and not hollow
--> meaning it is juicy
3) The colour of the fruit is in dark green
--> meaning it is ripe
4) The fruit is quite heavy
--> meaning it is juicy
Conclusion-->It is a good water melon.
Everyone gets the differences?

At the same time, another email from NTUC Income was sent to me for the explanation on the insurance premium:

From: "Cyndiie Yong" s000699@income.com.sg
To: XXX@yahoo.com
CC: "Goh Peng Hong" , "Edwin Wong" , "Belinda Sim"
Subject: Fw: TP claim: 6048683 --- Accident between XX9999X & XXX1381X on the 06.05.2005
Date: Thu, 30 Jun 2005 17:12:50 +0800

Dear Mr Tan

We apologise for the delay in replying.

There is no claim loading imposed on the renewal premium of $1721. We have revised our rates for commercial vehicles with effect from 1 January 2005, hence it is higher as compared to last year. The revision is due to our increased claims experience and repair cost among commercial vehicles. The increase is between 5% to 10%, depending on the make and model of the commercial vehicles.

Please email/call me if you require further assistance.

regards
Cyndiie Yong
Executive, General Insurance dept
NTUC Income
Cooperative...Your Partner for A Better Life
DID : 6877-3074


I still do not know how they derived my new insurance premium...........
Therefore, I decided to ask again.....

Date: Thu, 30 Jun 2005 19:54:48 -0700 (PDT)
From: XXX@yahoo.com
Subject: Re: Fw: TP claim: 6048683 --- Accident between XX9999X & XXX1381X on the 06.05.2005
To: "Cyndiie Yong" , "Goh Peng Hong" , "Cho Lai Weng"
CC: "Edwin Wong" , "Belinda Sim" , "Alvin Tan Hock Wan - Gc" , "Bernard Han Cheung Yong" , "Sharon Han" , "Lai Ah Kin" , "Goh Swee Kiang Yvonne" , "DAVID TAN" , "Tan Chiew Hua" , "Alice Low" alow@income.com.sg

Dear Ms Yong,
Thank you for your effort in explaining my enquiry. Can you send me the referenc(Notice/Directives/Formulae Tables) to support the explanation on the figure derived?

Mr Goh: What do you think of the formula explained?

Mr Cho: Before the case is closed, I have already penalized for the third party claim against my policy (i.e. the 20% NCD that I am entitled is removed). Quoted from the email, "If we do not hear from you by 4th July 2005 , I am afraid we need to proceed to settle the Third party claim against you".


Regards,
Tan XXX XXXX

Anyone can tell me what is wrong with the calculation??????????