My 40 days old baby...... kena bang by motor


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Bottom of the door, koyak....


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Feel yr pain, Bro...
Stay strong, ya?

This post has been edited by zeone: Apr 6 2012, 10:15 PM

sent to hospital, duno when can come out =(

@davidke20 :

A simple summary...to cut a LONG story short is to juz quote yu :
"In the end we made the choice..."

And I do love my Plotong...

Ouch bro! have you gotten a quote for the repairs?

call insurance, they say send to authorised workshop, or send back to factory service centre....

then call proton i-care, they say send to CoSE, they fix inhouse, change new.
Send to other service centre, they sub out to other workshop, maybe ketuk ketuk or so only.

so send to CoSE, they claim my insurance, own damage.
motor insurance cant cover.

so wait for insurance adjuster to go and estimate... car-less for now... duno can get company car temporarily or not.

Got alot of NCD to lose?
Then if w/o claims, wld b a matter of a few days...
Juz change to new complete door? Transfer good internals over.
Re-spray.

bro, from the way u drive & explain, i think u can be plotong test driver
sure they can improve, but on management side different story la

This post has been edited by huzaifa136: Apr 6 2012, 10:38 PM

i dont really know how NCD works..... =(
1st car, new insurance; guess so?

0 NCD...just claim urself insurance...

Yup, only choice...

Poor SAGA. Which insurance company are yours? Few things to keep in mind:

1) DO NOT let tow truck send your car to their workshop
2) DO NOT let other people advice you to their own workshop
3) There are NO extra payment on any circumstances for the workshop to replace ALL ORIGINAL PRODUCT since your car is less than a year old( in insurance there is a clause call BETTERMENT, applied on all 3 years and above vehicle, when they need to claim original product, they'll be charged certain percentage on top of the agreed claim value, unless customer agreed to use 2nd hand parts/OEM product)
4) Lodge a police report. Since you're a victim, yes you heard me right. You're always the victim if you hit by motorcycle. Pay summons RM300 and claim your own insurance(unless you're 55% NCD already & your repair cost actually less than RM2000). I believe such a new car, you will not consider to change used part isn't it? However, if you're lucky enough PDRM issue the summon to the motorcyclist, then your NCD is safe.
5) Please take a few photos of your car before you send in for repair, especially chassis number, engine number. Make sure you test your CD player infront of the person in charge. You'll be surprise how many people sent their car for an accident claim, ended up came back with a faulty CD player/different engine block and many more crazy things.
6) During reparation, you may claim "Loss of use". Which is when you do not have a car to drive to work, you can take a cab/rent a car or whatever. Please consult your insurance agent on that. If your insurance agent tell you no such thing, tell him you'll report this to PIAM, he'll buy you a carton of Black Label just to shut you up.

Finally, if you're not satisfied with the result after reparation, you can decline the acceptance letter, but then you can not continue claim the loss of use. You can demand workshop to redo until you're satisfying. If they deny you, tell them you will go to the insurance company and report to the claims department personally, that should get them work harder to restore your car. If that doesn't help, use PIAM as all panel workshop are registered with PIAM(Perbadanan Insuran Am Malaysia), they wouldn't want to leave any audit issue with PIAM. If all that doesn't work, you should report to PIAM.

Good luck and wish your SAGA get well soon

NCD=No claim discount
Click here at Official ISM NCD enquiry to find out where you stand

If 1st year you buy a car under your own name, you're 0 NCD
2nd year 25% discount on insurance premium(not include windscreen and other extra peril)
3rd year 30% discount
4th year 38.33% discount
5th year 45% discount
6th year 55% discount(maximum)

If you involved in an accident, normally insurance company will uphold your NCD until the investigation close. If summon were issued to you, your NCD will be discard. Next year insurance renewal you'll be back to 0% and takes another 5 years to accumulate. However, if summon were issued to 3rd party(the other person involved in your same accident), then your NCD is safe and you can continue using the discount next year).

If you're current NCD is already 55%, and on a spanking new car, your yearly premium is up to RM2000... if you lose your 55% discount, the following 6 years you'll probably paid up to 5k extra on insurance premium However, if this is only your 1st car, your NCD will be 0. No difference as you'll still need to spend that 5k extra on insurance premium for the following 5 years.

This post has been edited by davidke20: Apr 6 2012, 11:00 PM

in layman terms, the longer your insurance is not claimed, the more discount you get on the yearly premium, right?
current = 0%
next = 25%

meaning i claim now...... say, insurance claim approved on 18 april..... insurance is up to 23/2/2013... meaning the next year, i still pay full premium (cuz havent reach 18 april, full year since the last claim date)... the following year only enjoy 25% discount la, right?

But you were not summoned ma, irrelevant right?

Your NCD will be forfeited when you make an Own Damage claim.

sos: http://malaysia.kurnia.com/Insurance/HowTo/Default.aspx

This post has been edited by Jackalv2: Apr 6 2012, 11:14 PM

Cleber boy. You'll have to wait until case close only know when is your new date for the NCD

He's claiming his own insurance under "OWN DAMAGE" clause because PDRM also didn't summon the bike

Oh ok.