Very hard to claim, unless the shop owner (witness) is willing to be your witness, report police, interview with claims adjuster, etc. Later if found out the other car is fake license plate, or no insurance (lapsed), etc. quite common. All time and effort wasted.
If claim from your own insurance, NCD gone. Somemore, insurance may have excess charge, i.e. initial RM400 of claims will not be paid. e.g. if claim RM1000 insurance only pay RM600 (1k-400). If claim RM350 (350-400=-50), then no pay at all.
Consider it bad luck and fix ownself.
Added on July 13, 2011, 11:16 amAdd-on: Also, the case is tricky as Car hit motorcycle, motor fell and hit your car.
Which means it is tricky that you need to claim from the motorcycle insurance, since the car did not hit you directly. The motor, if damaged, may claim from the car that hit it.
Is like emergency stop, Car A hit Car B, Car B hit Car C.
Car C claims Car B insurance.
Car B claims Car A insurance.
end up fixing it my self..... knocked and cement it already.....
then this weekend buy the sand paper and sprayed it my self....
still got my primer coating and udercoat... and just need to buy the paint...