I was in a similar situation as Mr Lim Jit Siong ("Discrepancy in claims policy"; last Thursday), but was not as fortunate as him.

About three years ago, I parked my car in a carpark in Jalan Pelepah, in Pasir Panjang. When I returned, I found that my car had been hit by a lorry and was badly damaged.

The lorry driver had driven off, but an eyewitness left a note on my windscreen indicating the vehicle registration number.

I reported the accident to the police and to my local cooperative insurance company.

The Traffic Police were unable to produce any substantive outcome in their investigation, and I had to claim from my own insurance plan to repair my car.

Contrary to what General Insurance Association of Singapore executive director Derek Teo wrote ("Motor claims policy: Insurance association replies"; last Saturday), my no-claim discount was docked, even though the accident was not my fault.

As this was my second insurance claim, my insurer did not allow me to renew my policy with it. I was also deemed a high-risk driver. I lost my no-claim discount, and the insurance loading I have to pay is higher than my claim.

Has car insurance lost its purpose?

Tan Peng Loo