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Car insurance fraud: Singaporean driver dealing with $42,000 claim tells us why he's a victim

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Reading about the rise of car insurance fraud claims in the news must be bittersweet to many drivers who were victims of such syndicates. More than a few of us (including one MoneySmart employee!) have been in situations where we’ve had our suspicions about the true nature of a car accident that we’ve been involved in.

We spoke to one driver, Wilson, who shared with us the details of a recent accident along the PIE. This is his story as recounted to us:

THE ACCIDENT

My situation is slightly unique because of the nature of my work. I had exchanged cars with a friend due to his car needing some vehicle maintenance. I run a car workshop and was bringing his car in, and so my friend was supposed to bring my car, a Honda Jazz, back to me. This was when the accident occurred and this was what was recounted to me.

My friend had left his office in Tuas early to return the car and he was driving along the PIE towards Changi back in December 2016, when he was involved in a chain collision involving 4 cars and 1 motorcycle. It was about 3.45pm at the time of the accident. My car was the last of the four cars, but a motorcycle behind couldn’t stop in time and collided into my car, technically making it the last vehicle in the accident.

Immediately, he noticed two men approaching the accident site. The car they were in was not involved in the accident, but they were handing out name cards to the other drivers of the damaged cars. They were offering to help with their repairs, and were overheard saying things like, “Guys don’t worry, your insurance wont be affected, that Jazz is the last car. I will help you with your repairs.”

Photo: MoneySmart

My friend found it very suspicious that they seemed to be isolating us from the conversation. He had approached one of the two men to get a name card and was refused one.

On our part, we spoke to the driver of the first car, and they claimed that they had hit the brakes because the car in front of them had done so as well. It turns out that this was the car that the two men were in. As both my friend and I are familiar with the car industry, his suspicions were at an all-time high, and we wondered if the first car was targeted because it had no in-car camera, or if it was because the driver was young and female, or both.

Or maybe the female driver was also in cahoots with the two men, since she took the two men up on their offer and left with them. When my friend tried to take a picture of one of the men who had stepped out of the first car, he shouted, “Do not take my picture, I am NOT involved in this accident!” Which led us all to think – if you are not involved, why did you come out? To help? To distribute name cards? This was all a very weird mix of events.

But here’s the “best” part: when the Traffic Police marshalls came and spoke to my friend, one of them commented, “Looks like the same people over and over again. And this spot doesn’t have traffic surveillance cameras.”

THE AFTERMATH

Fortunately, while the damage to my car was extensive, it was superficial. There was no damage to the engine or the chassis. I got it repaired and managed to sell it 6 months later.

However, my insurance company is still fighting my case. There was a $42,000 claim against my policy. They involve 2 medical claims and 1 vehicular claim.

This means that not only is my 30 per cent No-Claims Discount now suspended, but the car insurance for my new car is almost $4,000, compared to a quote of $1,667 for my wife whose records are clean but has never owned a car. I know it is not the fault of the insurance company, but the loss of NCD and the high insurance premiums leave a very bad taste in my mouth.

WHAT WAS THE PURPOSE OF THE SCAM?

Clearly, they covered all the bases – offering to handle insurance claims as well as accident repairs. They stage the accidents and then earn money from the unsuspecting victims. It’s hard to know whether those claiming against my insurance were legitimate or part of the scam.

ARE THESE SCAMMERS STILL OPERATING?

Mine was not the first or the last time such a collision happened at that spot. I understand that there are no traffic surveillance cameras there, and that’s why it’s such a popular spot for these scammers and syndicates.

Just some days ago, there was a 12-vehicle collision along the same stretch of the PIE. It was also due to the sudden braking of a vehicle in front. Is it the same group? Or someone else?

WHAT CAN WE DO WHEN WE ENCOUNTER SUCH SITUATIONS?

Here are a few points to take note of:

  1. Know exactly what to do in a traffic incident, and make sure you have a preferred workshop already in mind. If you have no experience with workshops, at least have your car insurance company’s hotline on hand so that you can get advice on what to do.
  2. Don’t be too willing to accept help, even from the most well-meaning of people. The Expressway Monitoring and Advisory System, better known as EMAS, is committed to dispatching a service crew to arrive within 15 minutes of the incident, so don’t allow a random stranger to tow your car. In fact, consider getting a car insurance policy that includes towing services.
  3. Get an in-car camera to ensure you have some evidence of the period leading up to the incident.

SURELY MORE CAN BE DONE?

It’s easy to feel helpless and believe that these scammers are going to get away scot-free. If certain areas tend to be targets for these syndicates, the authorities should look into ensuring there’s better surveillance and that these stretches of the expressway don’t become a blind spot.

Ultimately, the authorities need to be given more leeway to prosecute suspected scammers. If a person is giving out name cards, or recommending a workshop soon after an accident, victims should be able to report them. This should help with identifying who is involved in a syndicate. Even if they’re not, at least there is some record of their engagement. In Wilson’s case, they weren’t even involved in the accident so really had no business being there.

Currently, you’re also required to notify the police if someone is injured in an accident. This should be more strictly enforced so that it prevents fraudulent medical claims from popping up later. In the story above, there was no injury reported, nor was the accident severe enough to plausibly believe that not one but TWO medical claims could be made. And yet Wilson still has to deal with a massive insurance claim against him.

But ultimately, here’s the thing – if these scammers continue to get away with these ridiculous “staged” accidents, you could lose a lot more than just money. In the case of Wilson’s friend, the accident he was involved in wasn’t severe. But imagine if the biker at the back had fallen awkwardly onto the road and had gotten hit by a car in the next lane. Not only is a life lost, but the other people involved in the accident also have to bear the trauma of the loss as well.

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Friday, December 1, 2017 – 12:24

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Ultimate travel and supertall skyscrapers in BT Weekend

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Heli-hiking in New Zealand’s Tasman Glacier. Glamping in Oman. Polar bear-seeking in Svalbard. Affluent Singaporeans are sparing no expense in their pursuit of the ultimate travel experience, sparking an influx of luxury tour operators to Singapore. Find out how travel habits are changing in this age of experiential holidays. 

Also in the magazine, get a head start on Christmas dining with our special guide to festive feasts. If you’re doing some early Christmas shopping, make it personal with customised gifts created by local artists.

 And if you enjoy dabbling with colour pencils, check out our new colouring series in the magazine where we invite artists to create heritage-themed illustrations that you can colour and keep.

Supertall skyscrapers are sprouting up around the world with alacrity. Are they the product of groundbreaking vision or pure vanity? Brunch counts the costs and tallies the attractions, in the main paper.

Cubicle Files works out if appearances really matter at work.

The Steering Column finds that Audi’s new entry-level TT 1.8 coupe in a fine example of   driver-centric motoring that needn’t be prohibitively expensive or inefficient.

And in The Finish Line, we round up the just-ended Formula One season.

To subscribe, visit btsub.sg/weekend.

Singapore

Friday, December 1, 2017 – 20:00

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Couple who tortured friend to death: Wife gets 16½ years' jail, husband gets 14 years, 14 strokes of the cane

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Singapore

Friday, December 1, 2017 – 12:20

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How Kim Jong Un is using TV dramas to change North Korea

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North Korea’s 33-year-old dictator Kim Jong Un loves television.

Under his rule, state-produced TV content has become one of Pyongyang’s primary tools for propaganda, replacing the feature-length films preferred by his father Kim Jong Il, according to Jean H. Lee, global fellow at the Woodrow Wilson International Center for Scholars.

In new research, Lee described how Kim Jong Un’s administration is creating made-for-TV dramas concentrated on youth and technology to appeal to the next generation of North Koreans. That’s in stark contrast to previous Kim dynasties that deployed films featuring military life and the loyalty of soldiers to influence citizens.

“With each change of leadership, there has been a shift in policy – movies and TV are employed as part of the media campaign to help disseminate the new leader’s priorities to his power base,” said Lee.

Since the reign of North Korean founding father Kim Il Sung, entertainment has long been a vital component of government policy in the pariah state. Kim Jong Il, a known cinema buff who kidnapped a South Korean director and actress in 1978 to produce North Korean movies, spent millions on a national film industry and initiated the Pyongyang International Film Festival in 1987.

But once his son took charge in 2011, films began declining and TV production ramped up instead, according to Lee.

Kim Jong-un makes rare appearance with wife in outing to cosmetics factory

New values

Under the current Kim’s watch, North Korean entertainment has evolved from being a mere conveyor of ideology to a tool used to shape society, Lee described. For example, recent TV content promotes the idea of family, community and the use of technology for patriotism – concepts unexplored in older movies.

“Our Neighbors,” North Korea’s version of a prime-time sitcom that was released in 2013, depicts a highly fictionalized version of family life – a bold departure from films during the Kim Jong Il era that emphasised putting the state before family, Lee explained.

Notably, the two-part series depicts weapons testing – the catalyst behind sanctions that have brought economic hardships to civilians. In one scene, characters cheer and dance after iconic news presenter Ri Chun Hui, the same newsreader who announced details of the state’s latest intercontinental ballistic missile launch, describes the successful launch of a long-range rocket.

Another drama, “Value Others,” also reinforces strong bonds between family members.

This emphasis on family ties is “a possible allusion to the issue of defection,” Lee noted. Emphasising filial piety may be a strategy for preventing defections, which have been rising in recent years, she said.

“Value Others” is about a naval officer, but rather than focus on his military career, the short drama concentrates on his life after graduating from the naval academy. Lee notes that the protagonist is mostly seen in civilian clothes instead of military uniform, which relates to one of Kim Jong Un’s key policy priorities: homegrown production of consumer goods, including fashion.

Meanwhile, the 50-minute long “Young Researchers” is a message on using science and technology for patriotic causes, Lee said.

It centres on middle-school students using computers and other gadgets that many North Koreans have never seen in a competition. The top prize is a rocket launcher, which is “a direct correlation between the science experiments of youth and nuclear technology of the future,” Lee notes.

Even when a student pulls a prank on classmates, he does so using a remote-controlled drone. “The message here: If you’re going to be mischievous, at least practice your skills in a technology with potential military use,” Lee said.

This article was first published on CNBC.

Friday, December 1, 2017 – 12:30

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Jetstar cancels 9 of 15 flights from Bali on Dec 1, citing renewed risk of volcanic ash

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BALI – Australia’s Jetstar will cancel nine of 15 planned flights out of the Indonesian holiday island of Bali on Friday (Dec 1), the budget airline said, following a forecast that volcanic ash could hit airport operations in the evening.

An erupting volcano at Mount Agung forced the airport to close from Monday through part of Wednesday, stranding thousands of travellers from Australia, China and other countries before the winds changed and flights resumed.

Jetstar and its parent, Qantas Airways Ltd, had planned up to 18 flights on Friday to ferry 4,300 passengers home to Australia, including one by a Qantas 747 jet. But nine Jetstar flights will be cancelled after “a sudden change in today’s forecast for this evening in Bali”, Jetstar said in an update on its website.

Other airlines with regular Bali flights, including Singapore Airlines Ltd, Malaysia’s AirAsia Bhd and Garuda Indonesia, have not posted updates on flight plans for Friday evening on their websites.

Ash was visible to the south-east of Mount Agung, the Darwin Volcanic Ash Advisory Centre said, with reports indicating emissions of steam and ash.

“Volcanological sources indicate a larger eruption is still possible,” it said on its website.

An estimated 90,000 to 100,000 people live in a danger area near the volcano in the island’s north, but tens of thousands have resisted government orders to evacuate.

Airlines avoid flying through volcanic ash as it can damage aircraft engines, clogging fuel and cooling systems, hampering pilot visibility and even causing engine failure.

Authorities raise Mount Agung’s threat warning to highest level

Friday, December 1, 2017 – 11:53

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Japan emperor to abdicate on April 30, 2019

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TOKYKO – Japan’s Emperor Akihito will step down on April 30, 2019, the prime minister announced Friday, the first retirement in more than two centuries in the imperial family believed to be the world’s oldest.

Shinzo Abe said he was “deeply moved” at the “smooth decision” taken after a special meeting of the Imperial Council to decide on the date for the popular 83-year-old to step down for health reasons.

“The government will make utmost efforts to ensure that the Japanese people can celebrate the emperor’s abdication and the succession of the crown prince,” added Abe.

Akihito’s eldest son, 57-year-old Crown Prince Naruhito, is expected to ascend the Chrysanthemum Throne the next day.

The emperor shocked the country last year when he signalled his desire to take a back seat after nearly three decades, citing his age and health problems.

There have been abdications in Japan’s long imperial history dating back more than 2,600 years but the last one was more than two centuries ago.

Akihito is the 125th person to sit on the Chrysanthemum Throne since Emperor Jimmu, said to be a descendant of the legendary sun goddess Amaterasu.

Emperors have played a crucial role in the country’s native Shinto religion, conducting various annual rites and prayers for the prosperity of the nation.

FEMALE SUCCESSION

There is no republican movement to speak of in Japan and the emperor and the royal family enjoy the admiration of the vast majority of the country.

But Akihito’s unexpected move presented a challenge since there was no law to deal with an emperor retiring from what is usually a job for life – and it reignited debate about allowing women to ascend the traditionally male-only throne.

In June, the parliament passed a one-off rule allowing the ageing emperor to step down.

The abdication must take place within three years and applies only to Akihito, who has been treated for prostrate cancer and has also had heart surgery.

Some worried that changing the rule to allow any emperor to abdicate could put Japan’s future monarchs at risk of being subject to political manipulation.

The status of the emperor is sensitive in Japan given its 20th century history of war waged in the name of Akihito’s father Hirohito, who died in 1989.

Akihito was born in 1933 just as Japan was embarking on its militaristic sweep across Asia, and was 11 when the war ended in defeat.

His father was allowed to remain on the throne after Japan’s defeat, but his status was downgraded from semi-divine sovereign to a figurehead with no political power.

Akihito embraced the role and tried to use it to help heal the scars of the war while remoulding one of the world’s oldest monarchies for a democratic age.

Even before he assumed the throne, Akihito broke with tradition when he married the daughter of a wealthy flour magnate in 1959, becoming the first imperial heir to wed a commoner.

The emperor and his wife Empress Michiko are seen as being the more accessible face of a monarchy that largely remains in the shadows, unlike the British royals.

Akihito is barred from commenting on politics, but he has over the years hinted at his own anti-nationalist views.

Speaking at a memorial marking the 70th anniversary of Japan’s surrender, Akihito expressed “deep remorse” for the country’s actions in World War II.

The looming abdication has reignited concerns about a potential succession crisis. There are no more eligible male heirs after the 11-year-old son of Crown Prince Naruhito’s younger brother Akishino.

Japan’s centuries-old succession would be broken if that son, Hisahito, does not have a male child.

In response, Japan’s parliament has called for a debate on giving women a bigger role in the male-dominated monarchy.

The idea – including the possibility of letting women ascend the throne – is popular with ordinary Japanese, but it is vehemently opposed by traditionalists.

Female imperial family members lose their royal status upon marriage to a commoner, a point highlighted by the engagement of one of Akihito’s granddaughters, Princess Mako, to her college sweetheart.

Japan’s Princess Mako to be engaged to university classmate

Friday, December 1, 2017 – 11:43

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Photos: Japan's discount chain store Don Don Donki opens at Orchard Central

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Singapore

Friday, December 1, 2017 – 11:04

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Japan's discount chain store Don Don Donki opens at Orchard Central

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Singapore

Friday, December 1, 2017 – 11:04

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24 arrested in enforcement blitz: 16 women allegedly provided sexual services in residential areas

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A week-long joint enforcement operation — held in Sembawang, Yishun, Ang Mo Kio, Serangoon, Hougang, Sengkang and Punggol from Nov 20 to 27 — has led to the arrest of six men and eighteen women.

The enforcement blitz was led by Ang Mo Kio Police Division and involved officers from the Central Narcotics Bureau as well as the Singapore Civil Defence Force(SCDF).

During the operation, 504 people, 63 vehicles and 46 residential and commercial units were checked.

Five men and one woman were arrested for offences under the Moneylenders Act. They were suspected of assisting in unlicensed moneylending and harassment activities.

One handphone and related paraphernalia were seized for investigations, said the police in a news release.

Additionally, one man was arrested for theft offences while one woman was arrested traffic related offences.

Sixteen women were also arrested under the provisions of the Women’s Charter. They were believed to be advertising sexual services online and operating within residential areas, preliminary investigations revealed.

Cash amounting to S$3,100 and 18 handphones were seized for investigations.

Investigations against the suspects are ongoing.

Commander Ang Mo Kio Division, Deputy Assistant Commissioner of Police Zhang Weihan, expressed his appreciation to all the units and officers involved in the operation and said, “The Singapore Police Force is dedicated to eradicating crime and keeping our heartlands crime-free. Anyone who commits crime will be detected and prosecuted to the fullest extent of our laws.”

Singapore

Friday, December 1, 2017 – 10:51

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Man arrested for serial sexual assaults on Bangkok buses

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A 36-year-old man who was arrested for allegedly groping 20 to 30 women on Bangkok buses from August to November has confessed and claimed he could not keep his hands to himself after spotting the victims, a senior police officer said on Thursday.

Peerapol Yodcharoen, who works as a tourism greeter at Bangkok airports, was caught inappropriately touching a woman in a video clip taken in the late morning of November 26 and published by the woman on Facebook, said city police deputy chief Pol Maj-General Sompong Chingdoung during a press conference at the Bang Sue precinct.

Photo: The Nation/Asia News Network

After the clip then went viral on social media, a previous victim identified by the alias “Por” reported that the same man had groped her breasts on the afternoon of August 18.

Por said she recognised the man who had groped her and then fled, so she filed a police complaint on Sunday, resulting in a police investigation and the issuance of an arrest warrant.

Peerapol was arrested at his home in Tambon Bang Poon of Pathum Thani’s Muang district, Sompong said.

Photo: The Nation/Asia News Network

He was charged with committing an indecent act against a person over 15 years of age who was unable to resist, which is punishable by up to 10 years in jail term, a Bt20,000 (S$825) in fine or both.

Police also found that Peerapol had been arrested on April 4 for a similar indecent action committed at a bus stop in Don Muang, he added.

Bangkok buses, which are often crowded by commuters, are reported as scenes of sexual harassment more frequently than motorcycle taxis and car taxis, according to a survey announced on November 21 as part of the “Theung Wela Pheuk”, or “Time to Intervene”, campaign.

The campaign was aimed to encourage members of the public to intervene to when witnessing offensive behaviour and make Bangkok public transport safe for women to mark International Day for the Elimination of Violence Against Women on November 25.

Photo: The Nation/Asia News Network

Friday, December 1, 2017 – 10:39

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