Owners pay to cover any conceivable risks in motor accidents offered by insurers at their terms. Yet when an accident happens, I wonder why owners need to justify their legitimate claims covered by the policy and why insurance companies are allowed to deny liability.

Something is amiss when consumers, by law, are required to buy protection against traffic accidents and yet the very same providers can renege on promised compensations under the same law. Are there fine-print problems or hidden loopholes in the law?

I think we need a totally independent statutory body to enforce equitable compensation to policyholders when a legitimate claim is made. It should be empowered to prosecute errant insurers and take action on collusions between assessors and workshops.

This neutral legal entity could operate without depots for damaged vehicles. Instead, it will send professional assessors to perform surveys at workshops prior to repair.

Perhaps the Land Transport Authority should have the honour to manage such a body.

Paul Chan Poh Hoi