Bad claim service

Dear Mr Tan,
We are having some problem with X. They have proceeded with the 3rd party claim without our nowledge. We are concerned as it will affect our 50% NCD.

Based on our conversation with the claim officer, they said that the claim was $1,700 ($1,400 for repair, $300 for loss of use) which is ridicoulously high for a minor accident. We requested for the official quotation which has not been provided up to now. In fact we are willing to settle out of our own pocket but was initially advise to wait for IDAC report.

How many days does the 3rd party claim? How long does the repair takes? Why is X so generous in the settlement? I asked these questions through the telephone and have not obtained an answer.

Whose interest is X protecting? By paying a higher claim, they will increase our premium.

Out of our frustration, I told the staff that we might not even consider to continue with X. Not surprisingly she reply "Go Ahead!".

I hope that you will advise other motorist to be aware of such situations. A reputable insurance company may not able to protect your interest but take the opportunity to make more "business" out of someone instead.

May I request what is the procedures X takes on a 3rd party claim? Are they allowed to act without the policyholders acknowledge.

REPLY
I am sending your e-mail to the service quality manager of X. I hope that she will reply to you.