Discrepancy in claims policy

It is always heartwarming to read stories of eyewitnesses coming forward in hit-and-run traffic accidents or drivers owning up to such incidents.

Not long ago, I found myself in a similar situation when my parked car was hit by a private bus in an HDB carpark.

The driver simply drove off, but luckily for me, an eyewitness left a note on my windscreen, indicating the bus registration number.

I reported the accident to the Traffic Police and to my local cooperative insurance company. The Traffic Police issued the bus driver with a stern warning.

However, when I went to several workshops under my car insurance company's list of authorised workshops, all were reluctant to repair my car under the third-party claim.

They told me that I had to claim from my own insurance plan, but that would, of course, affect my future no-claim discount.

Surprisingly, several other established workshops (but not authorised workshops under my insurance company) were willing to help and advised that I could indeed claim under a third-party claim.

Why is there this discrepancy?

Lim Jit Siong

A version of this article appeared in the print edition of The Straits Times on August 13, 2015, with the headline 'Discrepancy in claims policy'. Print Edition | Subscribe