Dude, you sure your friend an insurance agent really know how it works?

WaCKy-Angel, there isn't just one sarjan but each of them handle cases on particular days, so for TS's case, must refer back to that Sarjan.

Seriously if not your fault that cause the accident, u have two types of claims can be chosen from.
OD-KFK or Third party.

Its not insurance company who decides, but the Sarjan does.



Seriously if it small case, settle without claiming insurance.
Tell the fella, RM300 summon. Might well pay u for the repair instead and keep the NCB.