Wednesday, July 27, 2005

The Second Request for More Time (Dtd 27Jul05)

Two weeks had passed..... finally, this Mr Goh sent me an email again:

From: "Goh Peng Hong" gohph@income.com.sg
To: XXX@yahoo.com
Subject: Response on liability & premium calculation: TP claim: 6048683 --- Accident between XXX9999X & XXX1381X on the 06.05.2005
Date: Wed, 27 Jul 2005 16:52:58 +0800

Dear Tan XXXX XXXX (hp:9XXXXXXX),

As spoken, we are still in the midst of drafting the response to your goodself on the liability assessment and premium calculation.

Regards

Goh Peng Hong
Claim Service Centre



** I thought the assessment report should be there to conclude the verdict..... How come they still need to prepare the assessment report? How can there be a conclusion when there isn't any assessment report in the first place?? *Scratch Head*

Monday, July 11, 2005

The Waiting (Dtd 11Jul05)

After waited for about a week after the last email, I decided to email them again:

Date: Sun, 10 Jul 2005 18:28:33 -0700 (PDT)
From:
XXXX@yahoo.com
Subject: Re: TP claim: 6048683 --- Accident betweenXX9999X & XXX1381X on the 06.05.2005
To: "Cho Lai Weng" , "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"

Dear All,
It has been a week since I received your email. If I do not receive any response to my requests and enquiries by the end of 11 July 2005, I will assume that all the recipients are sitting on the problem and ignoring my requests. In that case, I will need to seek help regarding my case from other means.


Regards,
Tan XXX XXX


The very next day (11Jul05), Mr Goh called me and asked about what I was expecting from them and wrote an email to me after that. However, he did not mention about the insurance premium that I had asked him for his opinion........ Why he chose to ignore?

From: "Goh Peng Hong" gohph@income.com.sg
To: XXX@yahoo.com
Subject: Re: Arrange to meetup: TP claim: 6048683 --- Accident between XX9999X & XXX1381X on the 06.05.2005
Date: Mon, 11 Jul 2005 17:10:50 +0800

Dear Tan XXXX XXXX(hp: 9XXX XXX),

As spoken, your goodself still prefers in email format though I have assured you that after we have meetup, I will provide a email to confirm our discussion....

I'm responsing to the below email dated 11-Jul-2005 @ 9:28am that you sent to my other colleagues other than myself... :(

Your 2 issues are:

1) How the assessment has been done and a detail report on how the verdict is concluded?

I find your analogy of a person holding a knife next to a corpose may not be the murderer not too applicable in your case.

As mentioned, the assessor will base on both parties' accident reports, damaged vehicles' photos and the BOLA to decide on the liability. Your goodself mentioned that there's no specific scenario in the BOLA to conclude a 80-20 for your case and based on what does our assessor's decision based on. You also mention that your goodself have provided photos for our officers to review the case.

2) How the calculation of premium is being derived?

For both issues above, plse allow me to revert within the week.

Plse do not hesitate to call myself at 9XXXXXXX if you need further clarification.

Thank you

Goh Peng Hong
Claim Service Centre


The NTUC Income staff has been asking me about what I am requesting, but they are unable to give me..... Previously, he stated that he will revert to me within 4 days, now still dare to ask for another week......

Tuesday, July 05, 2005

The Premium Discount (Dtd 05Jul05)

The person who is supposed to give me an explanation on how the insurance premium emailed me, telling me a big piece of good news.... they are going to give me 10% discount. It is so kind of them *LOL*:

From: "Cyndiie Yong" s000699@income.com.sg
To: XXX@yahoo.com
CC: "Goh Peng Hong" , "Cho Lai Weng" , "Stacia Lim" , "Edwin Wong" , "Belinda Sim"
Subject: Renewal Premium for XXX9999X - Pol no. 0082910147-02
Date: Mon, 4 Jul 2005 18:44:11 +0800

Mr Tan

We have reviewed your case again and are prepared to allow a 10% special discount for this year as the increase for pick-up models are too steep.

The final renewal premium is $1549/-.

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


See that? They are willing to give me 10% discount, is it because I asked for references or they think that I am a good customer to keep?? I do not have an answer....

Anyway, I still cannot figure out how the sum is derived:

Date: Mon, 4 Jul 2005 20:43:25 -0700 (PDT)
From:
XXX@yahoo.com
Subject:
Re: Renewal Premium for XXX9999X - Pol no. 0082910147-02
To: "Cyndiie Yong"
CC: "Goh Peng Hong" , "Cho Lai Weng" , "Stacia Lim" , "Edwin Wong" , "Belinda Sim"
bsim@income.com.sg

Ms Yong,

I quote you: "The increase is between 5% to 10%, depending on the make and model of the commercial vehicles."

My gross premium last year was $1207. This year, it is $1722. As you have said, there is an increment of 5% to 10%. The maths is like this:

1722 - 1207 = 515
515/1207 * 100 = 42.67%

How does this related to the 5% to 10% increment you have explained? Can you explain how you have derived at the sum more clearly? With the special discount you have given, 10% discount from $1722 = 1549 is correct. But,

1549 - 1207 = 342
342/1207 * 100 = 28.33%
I still do not see how this is related to the 5% to 10% increment on all makes and models of commercial vehicles. It will be good to hear the calculation from you. Thanks.

Regards,
Tan XXX XXXX


I felt so sad after reading her email........ I totally cannot figure out how the premium is derived..

Saturday, July 02, 2005

The Request For More Time (Dtd 01Jul05)

Mr Cho has replied my email on the insurance premium, however he did not mention about the assessment reports...... why? --> I do not know.

From: "Cho Lai Weng"
To: XXX@yahoo.com
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
Subject: Re: Fw: TP claim: 6048683 --- Accident between XX9999X & XXX1381X on the 06.05.2005
Date: Fri, 1 Jul 2005 11:47:16 +0800

Dear Mr. Tan ,

Under normal circumstances , one's NCD will be penalised if there is a pending third party claim . However , if case closed and one was later found " not at fault " , we shall reinstate NCD accordingly . Since you are adamant that you are not responsible for the accident , we hope that you agree to the appointment of an independent adjudicator to decide on the matter . If the external adjudicator findings revealed your liability in this accident is 20 % or less , we shall bind by that decision and reinstate NCD accordingly .

Thank You

Regards

Cho Lai Weng

Mr Cho used the word "adamant", a very strong word leh.......
My reply to him:

Date: Sat, 2 Jul 2005 09:28:35 -0700 (PDT)
From: XXX@yahoo.com

Subject: Re: TP claim: 6048683 --- Accident between XX9999X & XXX1381X on the 06.05.2005
To: "Cho Lai Weng" , "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 Mr Cho,

Please do not put words into my mouth that I am insisting that I am not responsible for the accident. The thing that NTUC has not convinced me is the way you have derived at the decision and the magical number 80-20. I have not been made to feel that the decision was carried out by a thorough and detailed case-by-case investigation, but rather a guilty-not guilty cubicle discussion based on sweeping guidelines to all accidents. If I am deemed as 80% responsible for the accident, I want to know how and why in detail and not just vague references to BOLA guidelines. Since I emailed you for the reports, I have yet to receive anything. Instead, I am only receiving email after email of explanation from you. I am not sure if the two reports (one by the initial investigation and one from the Claims Committee) exist and if they do, they should have been forwarded to me by now.

I was under the impression that NTUC wants to settle this case internally. Why is it that now I am recommended to pursue the matter with an independent adjudicator?

After all these emails, I still do not know what your designation is and what your role is in this investigation.

Mr Goh: The NTUC employees do not even inform the customers of their designations and responsibilities in their investigations when communicating with their clients, what more their employees numbers? I have also yet to receive your reply on the calculation of the premium.


NTUC has made me lose my confidence in you as a insurance company that has 33% market share in the vehicle insuring business. In short, I simply feel that the investigation was not handled in the best possible way.

Quote from
http://www.income.coop/faq/motor.asp
"NTUC Income has the largest market share in motor insurance in Singapore. What is the exact no. of vehicles that you insure? Yes, NTUC Income is the largest motor insurer in Singapore. We insure more than 120,000 motor vehicles, of which 100,000 are private cars. Our estimated market share is 33 percent in private car insurance."

I will like to resolve this matter soon. If the recipients in these emails are not able to help me with what I require, please escalate this to a higher authority. Thanks.

Regards,
Tan XXX XXXX


I do not know how many times I had to explain about what I wanted.... *sigh...
On the other hand, Mr Goh (I still do not know who he is) replied to me regarding the assessment reports...

From: "Goh Peng Hong" gohph@income.com.sg
To: XXX@yahoo.com
CC: "Yvonne Goh" , "Cho Lai Weng"
Subject: Fw: Third Party Claim No. 6048683 --- Accident between XX9999X & XXX1381X on the 06.05.2005
Date: Fri, 1 Jul 2005 00:16:19 +0800

Dear Tan XXXX XXX,

The case officer will discuss with her supervisor on your below request and we will revert within 4 days.

Regards

Goh Peng Hong
Claim Service Centre


So I will be getting the assessment reports in 4 days time????