I am personally aware of a case similar to Mr Jimmy Lauw Thian Chye's ("Must insurer pay out claim if vehicle is not damaged?"; Nov 4), in which one car "touched" a second car, causing no damage at all, as proven by photographs.

However, the driver of the second car claimed thousands of dollars for "extensive damage", and the insurer insisted on paying out the claim.

The laws of physics dictate that in a collision, equal forces act on both cars. And if the cars are of roughly the same mass and material, it cannot be that one car is undamaged and the other car is subjected to extensive damage.

I hope insurers are not taking the easy way out by settling a claim, then raising premiums later.

I am glad to note that NTUC Income professes zero tolerance for fraudulent, inflated claims ("Zero tolerance for fraudulent, inflated claims"; Nov 6).

I hope other insurers will do the same. Otherwise, insurers will become part of the problem that they so loudly decry.

Soh Gim Chuan