I was hit by a vehicle that was insured by NTUC.
When trying to claim third party from them, they said their client
have not reported the accident to them. So they say they will wait
for the client to report the accident.
The other party was finding excuses to not report, e.g. Reservist,
OT, other plans, etc.
Few months later, they wrote me a letter, saying because their
client did not report the accident within 48 hours of the event,
the client has frustrated contract terms and therefore his
insurance coverage is voided.
They still wrote they absolve all responsibilities and the case is
between me, my insurer and the other party.
I end up have to pay for repairing my own damage. And my only
option then was to pay $3000 upfront for legal fees if I want to
pursue.
My big question is, What's stopping NTUC from saying the same story
to everybody?
They can say they cancelled that client's policy, but the next day
that client can sign up a new policy with NTUC and carry on as per
normal.
