Mar 4 2013, 06:24 AM
QUOTE(kctan87 @ Mar 4 2013, 02:48 AM)
http://forum.lowyat.net/index.php?showtopic=2691435&hl=
i involved in accident on rear savvy door.
the tow motor company saw front little kemek but proceed to change 2 fking door , just for their earning ,
they tell me a hint , i need to fork out cash , when i ask how much they tell me dont know yet (their tactic)
when i ask ,they bring me to this chin lak tow motor company nibong tebal M.D. ,
i ask why didnt tell me ,they say after 5 years insurance didnt cover fully , so they couldnt find used door , and i ask why never tell i can try source too ,they say i never find him , from their clerk or watever people i call to ask , they say dono the cost , pushing here and there ,
and we ask why little spot on front u changed the door , he didnt tell and twist and turn , already changed ,
he charge rm2000 to insurance and insuance claim rm1.4k , so i need fork rm660 , they say no discount , just want take back their 'cost'
so finally i say rm600 he say ok la ok la.
from the door i take back is it just a little spot ,
if anyone want to source or buy
here my door on driver side http://forum.lowyat.net/index.php?showtopic=2691435&hl=
Dude, I don't know which insurance company are you insured with. There's 2 thing you need to pay:i involved in accident on rear savvy door.
the tow motor company saw front little kemek but proceed to change 2 fking door , just for their earning ,
they tell me a hint , i need to fork out cash , when i ask how much they tell me dont know yet (their tactic)
when i ask ,they bring me to this chin lak tow motor company nibong tebal M.D. ,
i ask why didnt tell me ,they say after 5 years insurance didnt cover fully , so they couldnt find used door , and i ask why never tell i can try source too ,they say i never find him , from their clerk or watever people i call to ask , they say dono the cost , pushing here and there ,
and we ask why little spot on front u changed the door , he didnt tell and twist and turn , already changed ,
he charge rm2000 to insurance and insuance claim rm1.4k , so i need fork rm660 , they say no discount , just want take back their 'cost'
so finally i say rm600 he say ok la ok la.
from the door i take back is it just a little spot ,
if anyone want to source or buy
here my door on driver side http://forum.lowyat.net/index.php?showtopic=2691435&hl=
1) Betterment clause. When your car is older than 5 years, insurance do not fully covered with NEW parts replacement. Your workshop does nothing wrong to change the front door, it could be the adjuster who put a big remark that the front door was also involved in an accident, and therefore both doors needed to be change. And yes, "betterment" costing usually is certain percentage of total claim involved. Has nothing to do with front door/rear door/toilet door and or the workshop earnings. Do or no do your front door, your workshop indeed will put that RM2000 bill to the insurance company(yes they can be as arsehole as you can imagine), you better be thankful as they DID changed the fucking door for you.
2) Average clause. When your sum insured of the car was not able match with market value, as a result insurance company unable to justify full payment for the repair cost. For example, 2005 Sawi new car worth RM44k. In 2013, the same Sawi after 7 years of depreciation, the price should worth RM15k(they don't fucking care what is the actual used car value). So, when you go buy insurance for the 2005 Sawi, and thought it never goes up to that price and decided to make a minimum insured of RM10k, your UNDER INSURED will be RM5000. Below is a calculation for you when you involved in an accident.
Actual sum insured/Market Value * Repair cost= Total amount of claims bear by insurance company
10/15 * 2000 = RM1,333.33 bear by insurance company
RM2000 - RM1,333.33 = RM666.66 bear by insured(vehicle owner)
How my calculation? Close to what you're experience? Now, don't get smart. Insurance company aint idiot. Don't go and OVER insured your vehicle, as insurance company will justify based on market value OR sum insured, whichever lower will be the basis of claimant. Next time buy insurance, make sure you survey market value first.FYI, the kemeked door does not worth RM300 for the matter. You're either gonna keep the door for a very long time, finally decided to throw it away or sell to besi buruk for RM20. If your listing price is anywhere between 50~100, you have a better chance to sell it off instead of putting hope of RM300. Good luck.
Quote
quite a distance from my place...
I stay in Bdr Sri Damansara, but I always travel to Subang, just to let Renautech touch my lady in red dress 
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