The driver of this Mitsubishi Lancer must be kicking himself right now.

I don't like to judge the way that other people drive their vehicles, but when it comes to drivers not exhibiting the most basic fundamentals of driving, it's hard to bite my tongue.

In the video, the camcar is carefully driving down the SLE expressway along Woodlands Avenue 12 due to the wet weather.

Upon reaching the expressway exit, the driver slows down after he notices the white Audi station wagon doing so as well.

All of a sudden, a Mitsubishi Lancer appears out of the blue from the right at an increasingly high speed.

Due to the driver's lack of foresight, the car ends up skidding on the wet road and briefly clips the camcar and the white Audi. 

The driver tries to stay in his lane and ends up hitting the back of a black Toyota Vezel. The force of the impact results in the Vezel hitting the back of a Toyota Altis as well.

All in all, 4 vehicles were damaged by the Lancer, with the camcar and the Audi only suffering a few dents.

I'm not sure how experienced he is, but I'm pretty sure the Lancer driver can kiss his No Claim Discount (NCD) goodbye after this accident.

What is NCD?

No Claim Discount (NCD) or No Claim Bonus (NCB) is a discount on a driver's car insurance premium based on how long he has been driving and his existing claims record.

As drivers accumulate more years of driving without making a claim, they would be entitled to a discount on the yearly premiums. 

Given that the driver has been insured with the same company for the past 12 months and does not have any accidents reported or made any claims under his own policy, a cumulative discount will apply whenever he renews his policy with the insurance company.

An example of this would be:

So if a driver has been accident-free for 5 or more years, he would be entitled to a 50% discount on his yearly premiums. That's a huge discount right there!

Unfortunately, the moment a driver gets into an accident, the discount is removed and the premiums for the next year will definitely rise.

What if the driver was under the influence of alcohol?

If the driver is found to be under the influence by the police, the insurance company will not be paying a single cent.

This would mean that all of the repair costs will be paid from the driver's own pocket, which might land him in hot water if he is unable to afford it.

Netizens' reactions

Yep, that's right! Also, isn't it common sense to slow down around bends?

This is why we listen during our theory lessons - to avoid making idiotic mistakes like this.

I think our Lancer driver might have to ransack his house to pay off his high premiums! 🤣

Moral of the story: Don't be a hero and slow down around bends!  

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