Mar 13 2012, 08:53 PM
QUOTE(cbinn @ Mar 13 2012, 05:37 PM)
Insurance company is more or less the same, most of the terms are standardized and regulated by Bank Negara (yes if you ask, insurance is considered financial sector just like bank, so it is governed by BNM).
From a consumer (or more accurately known as the Insured) point of view, what determines whether you will be a happy claimant or not in the event of any accident would depends on which workshop you towed your car to, and also your luck on getting which insurance adjuster to evaluate your car.
Insurance adjuster would be the one that report the extend of damage to insurance company (of course, the workshop will mark the damaged area and recommend the repair), and the adjuster is the one that recommend how much to pay or what parts to be repaired or replaced.
The workmanship part of the repair will of course depending on the workshop itself. Other things such as preparing and collecting police report will depends whether you get a good callman (those walkie talkie guy that appear out of nowhere within minutes your car met accident). A lot of times, callman knows the people in police station well, help you to sketch accident diagram, collect police photo and findings etc, and that save you a lot of trouble especially your one and only car you have is no longer driveable and your job requires you to be in office from 9am to 6pm.
As I had mentioned in my earlier post, you have to take out your insurance policy covernote and read on the endorsement part (because windscreen is an add-on coverage, look for windscreen section), as every insurance company have slight variation in defining their terms and condition for coverage. As far as for all the 3 cars in my house having 3 different insurance company, all their windscreen endorsement mentioned covering all the glass windows around the car, sunroof and tinting.
Whenever you have free time, it is good that car owner run through the insurance policy to know what you are covered for the premium you had paid. Of course, I do hope no one will ever need to make a claim, but in case if you come across the need, at least you don't feel lost or cheated.
Also for new car owner that still have warranty with your car, make sure you insist your car be towed to panel workshop (those who not sure, please call the Honda Insurance Package tollfree number to ask for location and procedure). This is to ensure there is no dispute in future warranty claims of the vehicle.
thanks for the great explanation.From a consumer (or more accurately known as the Insured) point of view, what determines whether you will be a happy claimant or not in the event of any accident would depends on which workshop you towed your car to, and also your luck on getting which insurance adjuster to evaluate your car.
Insurance adjuster would be the one that report the extend of damage to insurance company (of course, the workshop will mark the damaged area and recommend the repair), and the adjuster is the one that recommend how much to pay or what parts to be repaired or replaced.
The workmanship part of the repair will of course depending on the workshop itself. Other things such as preparing and collecting police report will depends whether you get a good callman (those walkie talkie guy that appear out of nowhere within minutes your car met accident). A lot of times, callman knows the people in police station well, help you to sketch accident diagram, collect police photo and findings etc, and that save you a lot of trouble especially your one and only car you have is no longer driveable and your job requires you to be in office from 9am to 6pm.
As I had mentioned in my earlier post, you have to take out your insurance policy covernote and read on the endorsement part (because windscreen is an add-on coverage, look for windscreen section), as every insurance company have slight variation in defining their terms and condition for coverage. As far as for all the 3 cars in my house having 3 different insurance company, all their windscreen endorsement mentioned covering all the glass windows around the car, sunroof and tinting.
Whenever you have free time, it is good that car owner run through the insurance policy to know what you are covered for the premium you had paid. Of course, I do hope no one will ever need to make a claim, but in case if you come across the need, at least you don't feel lost or cheated.
Also for new car owner that still have warranty with your car, make sure you insist your car be towed to panel workshop (those who not sure, please call the Honda Insurance Package tollfree number to ask for location and procedure). This is to ensure there is no dispute in future warranty claims of the vehicle.
besides, touch wood in the case of any claim, can't we just send back the car to honda service centre for repair and claim for the damage instead of going to panel workshop?
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