Guardian Insurance responds

In response to Ms. Nosi Lestariwati's letter published on Oct. 19, it is with much regret we must advise that at the time of the accident (Oct. 1, 1996, at 8:45 p.m.) the policy was not operative.

We are therefore unable to assist Ms. Nosi Lestariwati with her claim but trust her own insurers to be able to do so.

DJOKO TRENGGONO

Manager, Claims

Guardian Insurance

Jakarta