MMS initiative has got off to an encouraging start

Since the launch of this initiative one month ago , 40 policyholders had sent in their accident photos to NTUC Income.

This innovative approach helps the insurer to better handle iability dispute between the parties involved in the accident.

The policyholders are encouraged to use the mobilephone to take photographs of the damages to the vehicles immediately at the scene of the accident and to send them by MMS to NTUC Income. With the photographs as additional evidence, the assessment officers will be able to decide more accurately of the apportionment of liability between the parties.

This has proved to be effective. For 50% of these cases, the photographs showed that our policyhbolder was not at fault in the accident. For 40% of the cases, the photographs showed that our policyholder was less at fault compared to the other party.

The photographs help to strengthen the report of our policyholders, in the situation where both parties give different versions of the accidents and damages.

NTUC Income has to deal with about 200 cases of accidents each month, where both parties dispute the facts of the accident. Based on our experience, the use of the "on-the-spot" photographs will help to solve about 50% of the these disputes. This is based on the well known experience, "a picture tells a thousand words".

With the increased popularity of mobilephone cameras, we are confident that more of our policyholders will use this new service.

Policyholders can send their accident photos via MMS to 91INCOME or email us at photo@income.com.sg.

They can also call our motor hotline at 67886616 if they have any queries.

Freddy Neo
Senior Manage, Claims
NTUC Income