My car suffered the worst damage. I therefore called NTUC Income for help to tow my car to the Independent Damage Assessment Centre in Yishun.

I also made a police report.

According to an Income senior claims executive, because the third party did not report the incident to his insurers, I have to claim the repair costs from my own insurance instead of making a third party claim.

However, in doing so, I will be penalised on my NCB and excess amount although the accident was not something I was responsible for.

The claims executive brought the matter up to his supervisor, after which I was given a choice of my excess being affected or the NCB. I was still not happy with this option.

The matter was then brought to the attention of the head of department. This time the reply was that my excess and NCB would not be affected and that they will coordinate with the workshop on the rental of my car, which I returned on the ninth day. But they will not reimburse me a minimum sum for the other days without a rental car.

That very same morning, I received an e-mail from the Senior Claims Executive that the 'hit and run' offender had finally made a report and has owned up to the incident.

Now I am confused. Is this action by NTUC Income justified since it was a clear-cut hit-and-run case and that I was in no way responsible for the accident.

Noel Pereira