SCENARIO WHERE NTUC INCOME CAN BE RIGHT

NTUC Income only have this reason to support their case:-
 “Vehicles exiting a roundabout should keep to the left-lane; failure to watch out vehicle on the left"
 This is applicable  only to certain situation but not to mine.

Let’s look at a scenario where NTUC Income can apply it.

See diagram 3.18 with 4 exit A,B,C,D and assume this is a NON-traffic light control roundabout.      

At location-C, if the Purple car (on the left-lane) entered the roundabout and wanted to go straight to exit-A but collided with Red car which is exiting to exit-D.
Both cars followed the roundabout diag 3.18 turning rule. Then who is at fault?
NTUC Income "Red car should keep left when exiting the roundabout" is applicable here because Blue car MUST exit at C, therefore there won’t be any car on the left-lane (between exit-C and exit-D). Therefore Purple car is free to enter the roundabout and proceed to exit-A. Red car should have noticed Purple car entering the roundabout on his left and watch out for it when exiting to D.

Therefore Red car should have filtered to the left-lane after location C (as Blue car MUST exit at C) to "block" Purple car from entering the roundabout and can exit safely into D via the left-lane.
However if Red car want to exit at A instead, Purple car MUST exit at A too (since it was on the left lane coming out from C), then Red car can exit-A together (side-by-side) with Purple car. Same time Yellow car cannot enter the roundabout because he must  give way to Purple car.

Therefore in a non-traffic light control roundabout, if the left-lane is clear,vehicles on the right-lane going to exit on next exit should filter-left to exit  as any vehicles entering the roundabout need to give way to your vehicles already on the left-lane in the roundabout. All drivers should signal their intention.
If the left lane is NOT clear, the right lane vehicle can exit from the right lane as the vehicle on his left MUST  exit too. 
The rule clearly stated vehicles MUST "decide" before entering roundabout where to exit and follow the 3.18 traffic flow diagram.

Pandan Circle is a clear-cut case. It is a traffic light control roundabout.
Blue car if entered the roundabout at A, via the left-lane, MUST exit at B or C. If not he should have entered via the right-lane. THIS IS THE MAIN CAUSE OF THE ACCIDENT!

Traffic light regulate the flow of traffic within the roundabout and therefore such accident should not happen unless vehicles did not follow the rules by continue driving in the left-lane within the roundabout without exiting.
This seem rather technical but I hope everyone can understand these rules and its purpose.

Look at the roundabout rules again, there are the few “MUST” which motorists must follow!

Investigators assigned to this case must know all these rules and  principles and cannot blindly say “keep left to exit a roundabout”! 

Our situation are different, we enter the roundabout  from the same entrance A and collided at C. The sketch the other driver produced in his accident report is misleading because it did not indicate where he came from.

This 100% fault on us is really unfair.