Originally posted by BillyBong:
The question of ignorance only comes in if a person chooses not to listen to sound advice or is oblivious to common knowledge and prefers to live in well.
When it comes down to legal issues, how often is the common man familiar with the precise options available? The average man on the street will certainly not have adequate knowledge of the law and how best to proceed. Following a lawyer's advice is the best option.
If the lawyer somehow mushrooms the costs to exhorbitant amounts, is it really the client's fault? Yes, you can label the lawyer as greedy and such, but it is the actions and intent that one should question. It is too simplistic to dismiss the case as one of a 'greedy lawyer' and 'ignorant client'.
A simple case like this mirrors many of the accident cases that are plaguing the legal system here. I'm sure there are plenty more cases just like Lock's pending to be settled but have not been blown to light. The ethical conduct of lawyers and insurance companies should take centerstage.
Ever since the TP absolved their responsibility to non-injury related accidents, insurance companies and their lawyers have been allowed to dictate play to their own ends. It is high time their unethical practices be brought to light and taken to task. Not only are they wasting the court's time, but their motives appear questionable: are they really protecting the clients' interests, as their role dictates?
there is no way for us to find out, what ntuc income had offer in the first place that result in lock action in engaging a lawyer, maybe just maybe, ntuc offer 50% /50% or 80% /20% or 70% / 30% during the first conversation with a claim adviser, if this small case can't be settle, then a examiner will look at this case to determine. Normally any insurance company will want to settle this small claim asap, if you bring this court, have to wait for a court date, a simple case like this, might have to wait for, at least 6 months, if you engage a lawyer
and you can't drive a car without insurance in singapore! i know that, and then , when i was working at AIG, it is at martin road, look, it is a matter of, how much paperwork, you have to do, car insurance business is a dirty business, why so? because nobody is going to admit it is their fault at all, because it will affect their NCB - no claim bonus..................... if the claim is more than 20%(if my memory serves me right), it will affect NCB, and you end up paying more premium, imagine AIG has about 6 examiner to handle car accident
and do you think, it is possible for things to be settle fast, nope, which is why, i mention before, settle the claim asap, or it will be draggy, even for examiner, they have to wait for survey report which contain all the damage to your car, and unless someone hit the back of your car, this is confirm + chop, it is the other party fault, unless you have proof to show that which is photos, that he reverse gear.
A small tiny scar can total up to few thousand dollars, the reason for this simple, the workshop wants to earn, even if i drive a car, i will insist, it is not my fault,
look, if you want cheap insurance, go for ntuc income or china insurance, if you want good services, go for AIG
P.S. I think all of you know about courts extended warranty for their product, between, AIG is also handling as well. Courts outsource to AIG
Engage a lawyer, and you will get those examiner attention, then those stupid lawyers will send duplicate copy of pursing for payments, blah blah blah, normally, i will throw it away and if there is no injury involved in the accident, worse comes to worst, it is bankrupt, it is a civil case.
Priority always goes to those damned lawyer letter aka writ of summon, examiner or claim adviser will tell you, once you receive a writ of summon, please send it over asap.