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 Need advise- car turtled (accident), Roadworthiness issue & insurance matters

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allenultra
post Nov 29 2012, 12:56 AM

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QUOTE(huakenny @ Nov 29 2012, 12:52 AM)
cant really see it clear from d photos..need more photos actually if possible

no worries.i graduated in automotive and business field, same to my bro ..we all degree holder...just no time follow soo kee they all go oversea only
*
Its not about where you graduate, etc.
TTS, and VDA have nothing to do with degree holder or whatsoever.
I believe you know that well too.

Checked the fourth photos, it clearly shown that the A pillar reinforcement is deformed and need to be replaced.

VDA-uk is nothing much actually, easily passable exam. They more concern to safety items than us, anything else, we are much better than them in repair process. Our people knowing those repair knowledge, we can be much better than them coz the car hardly repair over there is serious accident.
Shawnzz
post Nov 29 2012, 03:50 AM

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I also had a same case like you about 2 years ago when some idiot rear ended me when i was waiting at the trafficlight...

I can say, my car structure is damaged quite badly.. But insurance said can repair, instead of total lost. So agreed with insurance. Now, im regretting my decision. My car body is getting "weaker" everyday. Water keep coming in the door seals because its not repaired properly, gaps in the door panels, fender panels, boot panels.. everywhere. Can say.. everywhere got uneaven gap.

After you repair, you see back your car, its not the same anymore. You will notice alot of imperfection, and alot of squeaks (or maybe mine proton car). Best part is, my car is puspakom approved.

» Click to show Spoiler - click again to hide... «


This post has been edited by Shawnzz: Nov 29 2012, 03:57 AM
alg7_munif
post Nov 29 2012, 09:06 AM

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QUOTE(zack2381 @ Nov 28 2012, 07:14 PM)
Thats why its important the car to go thru PUSPAKOM inspection first. but i guess the PUSPAKOM inspection is owner's pocket money and not sure what happen if the car cannot passed PUSPAKOM. this question still left unanswered.
*
I won't put too much hope on Puspakom to ensure my safety. They even put a disclaimer on the certificate mentioning something like : "visual inspection only, any high tech manipulation can't be detected by Puspakom". Can't remember the exact phrase.

The best thing is if you can find a workshop that you can trust with the equipment & capability to do it. Eventhough the workshop might have the expertise to do it, you need to know that the car was built in the factory by robots and it was held on jigs to ensure the accuracy of the joints and welds.
TSzack2381
post Nov 29 2012, 09:39 AM

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QUOTE(allenultra @ Nov 29 2012, 01:56 AM)
Its not about where you graduate, etc.
TTS, and VDA have nothing to do with degree holder or whatsoever.
I believe you know that well too.

Checked the fourth photos, it clearly shown that the A pillar reinforcement is deformed and need to be replaced.

VDA-uk is nothing much actually, easily passable exam. They more concern to safety items than us, anything else, we are much better than them in repair process. Our people knowing those repair knowledge, we can be much better than them coz the car hardly repair over there is serious accident.
*
Hi there, the workshop said, the A-pillar need to be replaced (its not about the A-pillar skin/layer) - the roof must be changed, and the left sider B-pillar which got dent (on the skin) can be repaired (no need to replace)..so i guess, no question about this right? well, right A-pillar got dent on the skin too..so they view this as only two structural part involve which need to replaced..the way they told me that the A pillar and roof part need to replaced and install..thats it..same like door panel..(verification check: issit true?]

JPJ will not approve if the replacement involved 3 structural part - the workshop told me that ..So mine is 2..[verification check: issit true?]

if change 1 structural part= less dangerous
if 2 = 50:50 dangereous
if 3 = dangerous

Forgot to mention that my rear tyre shaft (not sure the correct name part, but its the big metal that joint both rear tyres) already broken..need to be replaced too..not sure how much it costed..

Sorry, if i too much asking..hope this discussion benefit others too..


Added on November 29, 2012, 9:44 am
QUOTE(alg7_munif @ Nov 29 2012, 10:06 AM)
I won't put too much hope on Puspakom to ensure my safety. They even put a disclaimer on the certificate mentioning something like : "visual inspection only, any high tech manipulation can't be detected by Puspakom". Can't remember the exact phrase.

The best thing is if you can find a workshop that you can trust with the equipment & capability to do it. Eventhough the workshop might have the expertise to do it, you need to know that the car was built in the factory by robots and it was held on jigs to ensure the accuracy of the joints and welds.
*
the workshop towing my car sent my car to another workshp becoz they dont hv expertise to do structural damage repair work..they are big workshp with factory size but they sent my car to a workshop which half size of them..i guess, they should know which workshp who can or cannot do structural panel repair..if my car proceed to repair, i just need to pray for my safety..


Added on November 29, 2012, 9:57 am
QUOTE(Shawnzz @ Nov 29 2012, 04:50 AM)
I also had a same case like you about 2 years ago when some idiot rear ended me when i was waiting at the trafficlight...

I can say, my car structure is damaged quite badly.. But insurance said can repair, instead of total lost. So agreed with insurance. Now, im regretting my decision. My car body is getting "weaker" everyday. Water keep coming in the door seals because its not repaired properly, gaps in the door panels, fender panels, boot panels.. everywhere. Can say.. everywhere got uneaven gap.

After you repair, you see back your car, its not the same anymore. You will notice alot of imperfection, and alot of squeaks (or maybe mine proton car). Best part is, my car is puspakom approved.

» Click to show Spoiler - click again to hide... «

*
i just need to pray that my car will be properly repaired..the workmanship issue is also beyond insurance company's control unless if someone lodge complain to them on the poor repair so that the workshop will be blacklisted as their panel..i need to bring someone expert to inspect my car before signing any discharge form..sound giving up already but dunno what to say..for someone fault, it put me in so much trouble already..

This post has been edited by zack2381: Nov 29 2012, 09:59 AM
huakenny
post Nov 29 2012, 10:14 AM

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QUOTE(allenultra @ Nov 29 2012, 12:56 AM)
Its not about where you graduate, etc.
TTS, and VDA have nothing to do with degree holder or whatsoever.
I believe you know that well too.

Checked the fourth photos, it clearly shown that the A pillar reinforcement is deformed and need to be replaced.

VDA-uk is nothing much actually, easily passable exam. They more concern to safety items than us, anything else, we are much better than them in repair process. Our people knowing those repair knowledge, we can be much better than them coz the car hardly repair over there is serious accident.
*
no worries la bro..we attended those edi, thanks by the way...any further courses do inform me also. next time i go Perak will kacau u at ur shop ok

some courses we din attend coz most courses held at west malaysia, east malaysia very seldom

the 4th photo i saw...but not clear enough for me.

roof confirmed replaced, LH side door replaced, RH front fender(50:50), RH frt door (50:50)

rear axle replaced(its gone if i see it clear in photo)

nex time come kk find me lo


TS,

they tow to another workshop maybe they are not the panel workshop for your insurance. its not about the size of the workshop? coz Etiqa only allows it own panel repairer to conduct the repair.

the repair job comes with warranty, so you can always sent back for warranty if u felt not happy with the job

if all parts were replaced, normally the finishing is 99% ori....no complaint

if there is no water leak, paint problem, alignment problem......i guess there is no problem

This post has been edited by huakenny: Nov 29 2012, 10:18 AM
allenultra
post Nov 29 2012, 10:26 AM

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QUOTE(zack2381 @ Nov 29 2012, 09:39 AM)
Hi there, the workshop said, the A-pillar need to be replaced (its not about the A-pillar skin/layer) - the roof must be changed, and the left sider B-pillar which got dent (on the skin) can be repaired (no need to replace)..so i guess, no question about this right? well, right A-pillar got dent on the skin too..so they view this as only two structural part involve which need to replaced..the way they told me that the A pillar and roof part need to replaced and install..thats it..same like door panel..(verification check: issit true?]

JPJ will not approve if the replacement involved 3 structural part - the workshop told me that ..So mine is 2..[verification check: issit true?]

if change 1 structural part= less dangerous
if 2 = 50:50 dangereous
if 3 = dangerous

Forgot to mention that my rear tyre shaft (not sure the correct name part, but its the big metal that joint both rear tyres) already broken..need to be replaced too..not sure how much it costed..

Sorry, if i too much asking..hope this discussion benefit others too..
I have to agreed with the workshop you sent the car to, where they viewed as two structural damage parts based on the photos you posted.
Again, I might be wrong because I couldn't not touch the car to feel the primary and secondary damage because of the accident.

Just check with toyodiy.com where your car vehicle is with Suspension Crossmember Rear, it just a suspension crossmember that can be removed with bolt and nuts, no worry about that. Easily replaceable.

You are not asking a lot actually. Actually I hope you do ask more.
People have been pushing all the blames to the workshop instead of insurance companies (We will receive if we as workshop did something wrong but be scapegoat for insurance companies? nah).

Huakenny and me would be glad to share our experience with you, there are something we are not updated too. JPJ Technical Inspection specification keep on changing, there isn't any consistency in that yet. The head of every JPJ technical team said different story when come into JPJ technical inspection application.

zack, if you insist, send your car to a workshop with 3D computer dimensional measuring. Those machines can print before and after repair structural part dimension.


Added on November 29, 2012, 10:28 am
QUOTE(huakenny @ Nov 29 2012, 10:14 AM)
no worries la bro..we attended those edi, thanks by the way...any further courses do inform me also. next time i go Perak will kacau u at ur shop ok

some courses we din attend coz most courses held at west malaysia, east malaysia very seldom

the 4th photo i saw...but not clear enough for me.

roof confirmed replaced, LH side door replaced, RH front fender(50:50), RH frt door (50:50)

rear axle replaced(its gone if i see it clear in photo)

nex time come kk find me lo
*
Cantik, must find big boss huakenny belanja makan seafood tongue.gif

Btw, the iVDA-UK might be discontinued soon. MRC is thinking of local version of iVDA-UK....
Do update with Diana & Khiew from MRC, they have the latest info.
I do believe you can be one of the trainers in East Malaysia.

Do come kacau my shop, mine a tiny shop.
I seen your facebook, you do really have tons of facilities. I must site visit your place one day soon.

This post has been edited by allenultra: Nov 29 2012, 10:28 AM
huakenny
post Nov 29 2012, 10:41 AM

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chassis measuring system...this is example of what im using

https://www.facebook.com/media/set/?set=a.2...77617905&type=3
TSzack2381
post Nov 29 2012, 10:46 AM

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thanks allenuttra and huakenny .. will share with you the video instead of picture so it would help you gauge the real condition of my car and whats are things to be replaced and repair..your help indeed helpful so far..will to the workshp again and take video..
Chisinlouz
post Nov 29 2012, 11:00 AM

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this is a good info.. i guess maybe shall put a post with insurance claims- about which damage can be claimed and what damage cant. For public info.. with some supportive info (not selling) from insurance agents as well
huakenny
post Nov 29 2012, 11:32 AM

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QUOTE(Chisinlouz @ Nov 29 2012, 11:00 AM)
this is a good info.. i guess maybe shall put a post with insurance claims- about which damage can be claimed and what damage cant. For public info.. with some supportive info (not selling) from insurance agents as well
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insurance agent doesnt know much bout claim, they got 0 knowledges bout claim...

they always mislead customers la as i know doh.gif
TSzack2381
post Nov 29 2012, 12:58 PM

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QUOTE(huakenny @ Nov 29 2012, 12:32 PM)
insurance agent doesnt know much bout claim, they got 0 knowledges bout claim...

they always mislead customers la as i know doh.gif
*
agreed, how about the loss adjuster? do they have any technical engineering expertise and safety knowledge of every aspect of the car? i'll always thought that they just an independent body giving advise to the insurance company, prepare report and inspect what need to replace and cross check how much it cost to ensure that the insurance company will not over paying?

This post has been edited by zack2381: Nov 29 2012, 12:59 PM
huakenny
post Nov 29 2012, 01:25 PM

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QUOTE(zack2381 @ Nov 29 2012, 12:58 PM)
agreed, how about the loss adjuster? do they have any technical engineering expertise and safety knowledge of every aspect of the car? i'll always thought that they just an independent body giving advise to the insurance company, prepare report and inspect what need to replace and cross check how much it cost to ensure that the insurance company will not over paying?
*
you are right......

some loss adjusters i believed are knowlegdeable, as they do attend some courses too(minority).

u can talk to the loss adjuster regarding your car, tell him those parts need to replace instead of repair.

Normally loss adjuster wont over-paying the amount, they will cut cut cut and cut tongue.gif....

Etiqa is a good insurance company in Malaysia, so you do not need to worry about it

so what is the progress now TS??
detomaso
post Nov 29 2012, 01:40 PM

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total lost
allenultra
post Nov 29 2012, 02:11 PM

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QUOTE(huakenny @ Nov 29 2012, 01:25 PM)
you are right......

some loss adjusters i believed are knowlegdeable, as they do attend some courses too(minority).

u can talk to the loss adjuster regarding your car, tell him those parts need to replace instead of repair.

Normally loss adjuster wont over-paying the amount, they will cut cut cut and cut tongue.gif....

Etiqa is a good insurance company in Malaysia, so you do not need to worry about it

so what is the progress now TS??
*
Etiqa is ok but not their panel adjusters.

Especially Associated Adjusters and Leong Adjustment, not sure of East Malaysia but in Peninsular, we plan to boycott them in Perak and this activity has been brought to FAWOAM for further discussion.
Sibu is planning to boycott Century adjusters if things don't improve in the near future.
TSzack2381
post Nov 29 2012, 02:28 PM

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QUOTE(huakenny @ Nov 29 2012, 02:25 PM)
you are right......

some loss adjusters i believed are knowlegdeable, as they do attend some courses too(minority).

u can talk to the loss adjuster regarding your car, tell him those parts need to replace instead of repair.

Normally loss adjuster wont over-paying the amount, they will cut cut cut and cut tongue.gif....

Etiqa is a good insurance company in Malaysia, so you do not need to worry about it

so what is the progress now TS??
*
the progress currently is that the Loss Adjuster has yet to inspect the car..almost 3 weeks already lor..im sure the loss of use benefit amount wont cover this 3 weeks period tho..seriously the BNM guideline is more sided to Insurance co rather than the consumer..


Added on November 29, 2012, 2:29 pm
QUOTE(allenultra @ Nov 29 2012, 03:11 PM)
Etiqa is ok but not their panel adjusters.

Especially Associated Adjusters and Leong Adjustment, not sure of East Malaysia but in Peninsular, we plan to boycott them in Perak and this activity has been brought to FAWOAM for further discussion.
Sibu is planning to boycott Century adjusters if things don't improve in the near future.
*
why boycott the loss adjuster? becoz they seems not able to cut cut cut the cost to the insurance co ?


Added on November 29, 2012, 2:31 pm
QUOTE(detomaso @ Nov 29 2012, 02:40 PM)
total lost
*
ok thanks, are u from workshp, insurance agent, loss adjuster or just a car owner like me?


Added on November 29, 2012, 2:42 pm
QUOTE(huakenny @ Nov 29 2012, 02:25 PM)
you are right......

some loss adjusters i believed are knowlegdeable, as they do attend some courses too(minority).

u can talk to the loss adjuster regarding your car, tell him those parts need to replace instead of repair.

Normally loss adjuster wont over-paying the amount, they will cut cut cut and cut tongue.gif....

Etiqa is a good insurance company in Malaysia, so you do not need to worry about it

so what is the progress now TS??
*
sorry if this question is seen prejudice to the workshop owner, but its not intended, and i believe the workshp owner also own a car..so they can wear two hats in this case..

what if the loss adjuster tell the workshp owner that the car has 50:50 chances of total lost..they think they can recommend either total loss or otherwise..put your place in the shoe of the workshp owner, what would be your recommendation?

Do you think as the workshop owner, they will trying best enuff to persuade them (the loss adjuster) to recommend for repair instead of total loss? To do that, they will quote the repair price right below the say 65% mark..this to help the loss adjuster on their paper..

Why im asking this coz, if the car proceed to repair, the workshp owner has business, if declare total loss, then no business..is my logic logical?





This post has been edited by zack2381: Nov 29 2012, 02:42 PM
secondrate
post Nov 29 2012, 02:51 PM

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QUOTE(Shawnzz @ Nov 29 2012, 03:50 AM)
I also had a same case like you about 2 years ago when some idiot rear ended me when i was waiting at the trafficlight...

I can say, my car structure is damaged quite badly.. But insurance said can repair, instead of total lost. So agreed with insurance. Now, im regretting my decision. My car body is getting "weaker" everyday. Water keep coming in the door seals because its not repaired properly, gaps in the door panels, fender panels, boot panels.. everywhere. Can say.. everywhere got uneaven gap.

After you repair, you see back your car, its not the same anymore. You will notice alot of imperfection, and alot of squeaks (or maybe mine proton car). Best part is, my car is puspakom approved.
Same situation here... idiot rear ended my mum's City which I was driving. Changed a new bumper but my mum was complaining about water coming into the boot.

I accidentally hit a girl driving to college in Sunway and after my Wira SE's hood was repaired, new bumper fitted and everything repainted, I can still hear squeaking coming from the engine bay. It used to be all the time but now it only happens when I go over uneven stretches of road.

allenultra
post Nov 29 2012, 04:10 PM

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QUOTE(zack2381 @ Nov 29 2012, 02:28 PM)
the progress currently is that the Loss Adjuster has yet to inspect the car..almost 3 weeks already lor..im sure the loss of use benefit amount wont cover this 3 weeks period tho..seriously the BNM guideline is more sided to Insurance co rather than the consumer..


Added on November 29, 2012, 2:29 pm
why boycott the loss adjuster? becoz they seems not able to cut cut cut the cost to the insurance co ?


Added on November 29, 2012, 2:31 pm

ok thanks, are u from workshp, insurance agent, loss adjuster or just a car owner like me?


Added on November 29, 2012, 2:42 pm

sorry if this question is seen prejudice to the workshop owner, but its not intended, and i believe the workshp owner also own a car..so they can wear two hats in this case..

what if the loss adjuster tell the workshp owner that the car has 50:50 chances of total lost..they think they can recommend either total loss or otherwise..put your place in the shoe of the workshp owner, what would be your recommendation?

Do you think as the workshop owner, they will trying best enuff to persuade them (the loss adjuster) to recommend for repair instead of total loss? To do that, they will quote the repair price right below the say 65% mark..this to help the loss adjuster on their paper..

Why im asking this coz,  if the car proceed to repair, the workshp owner has business, if declare total loss, then no business..is my logic logical?
*
Why boycott? When they are slashing off without reasons and give RM50 to spray one bonnet or a bumper, then you will understand why we would want to boycott those adjusters. We are not even talking about making profit but just of breakeven.

zack, for your last question even though you pointed towards huakenny, I do want to share a bit of my experience in it.
In our case, we only want to repair a car if it repairable and the conditions of the vehicle after repaired is driveable and still give owners' good driving experience.
All workshops have to provide the owners a minimum of 90 days warranty for all parts related to accident, do u think we want to waste our time doing repeating job on solving something that may not "solvable"?
Some insurance companies even insist up 6 months warranty.

I do see that certain insurance companies very much reluctant to declare total loss for their customers' vehicle, even though the repair cost exceed 70% of sum insured.

Seriously the business isn't as profitable as you think, there are a lot hidden costs.
I wouldn't want to repair a vehicle that is badly damaged, it may take several months to repair the vehicle and money need to be paid to my suppliers and I may only collect the payment from insurance payment up to 2/3 months after vehicle being delivered. The profit margin doesn't justify such activities.
In 1980s/90s, yes. After y2k, not really.
TSzack2381
post Nov 29 2012, 04:44 PM

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To Huakenny and ALlenultra, what is your comments on these 2 comments from the forummer, from your perspective as the car workshop owner/operator?

Comments from kadajawi

"Even if you only replace the roof I doubt the structural integrity will be as good as with an undamaged car. Keep in mind that every single part of the car was engineered to break and crumble at exactly the right pressure (maybe this does not apply to Japanese cars... at least ASEAN spec ones). It all works together in order to absorb as much energy as possible, as smoothly as possible. How is a workshop supposed to get it exactly right? Exactly the right rigidity? They don't have the data, and even if, I doubt it can be done"

Comment from bubble ring

"Crumble zone meant to be crumble. How the workshop determine the right amount of "reinforce" needed? "

This post has been edited by zack2381: Nov 29 2012, 04:45 PM
allenultra
post Nov 29 2012, 05:00 PM

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QUOTE(zack2381 @ Nov 29 2012, 04:44 PM)
To Huakenny and ALlenultra, what is your comments on these 2 comments from the forummer, from your perspective as the car workshop owner/operator?

Comments from kadajawi

"Even if you only replace the roof I doubt the structural integrity will be as good as with an undamaged car. Keep in mind that every single part of the car was engineered to break and crumble at exactly the right pressure (maybe this does not apply to Japanese cars... at least ASEAN spec ones). It all works together in order to absorb as much energy as possible, as smoothly as possible. How is a workshop supposed to get it exactly right? Exactly the right rigidity? They don't have the data, and even if, I doubt it can be done"

Comment from bubble ring

"Crumble zone meant to be crumble. How the workshop determine the right amount of "reinforce" needed? "
*
Comments from kadajawi, that's where the 3 dimension measuring come into equation. The data of an undamaged vehicle can either obtained from the manufacturer/vendor or just simply measure from a good condition same model vehicle.
Check huakenny previous link about the 3d dimensional measuring. It can be done on body over frame chassis and unibody chassis type.
Actually every manufacturers do have the repair manual for every cars they manufactured, how/where to cut/repair and joint back the parts.
Different welding technique being applied on a part to ensure integrity of the vehicle.
How bodyparts being joint together during manufacturing and repair after accident may differs.

http://www.youtube.com/watch?v=YGC3dFCRgGM
Not sure how to attach youtube video here.

It can be a good video how BMW instructed their repairer to apply this method to repair certain bodyparts.

In UK, they do. Somehow, it is not commonly practiced in Malaysia and many countries worldwide AFAIK.
Huakenny does have Chief Chassis Straightener bench with computer measuring (usually in laser sensor type) in his premise, we also bought a similar setup in our premise, mainly for vehicles with huge damage.


I dun really understand the 2nd question from bubble ring though.....
Right amount of "reinforce" needed? Does he mean how to replace structural part?

This post has been edited by allenultra: Nov 29 2012, 05:02 PM
huakenny
post Nov 29 2012, 05:54 PM

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dun talk bout car la...if a human broke his arm...even if it healed...it does hv some side effect also...lifetime

if a car crashed, it mean crashed...it wont 100% back to factory standard. maybe 90-95%(i guess)

every workshop wanna buy hi-tech equipments/tools/technologies...but where the fund from>?

this kind of issue has been discussed and discussed in our Malaysia association....but seem din see any improvement

it involved too many hidden costs, which alot ppl dunno.

East malaysia is bad...all parts ship from west malaysia..shipping fee not covered....how? pay ourselves

complaint? kick you out from panelship...so apa boleh buat? diam diam la




so my only advise to TS, if u r worried things cant get done right

just tell them 'I WANT TOTALLED MY CAR, RUGI SIKIT TAK APE'

because why, if your car repaired to 100% also, you wont feel it is 100% done...coz mentality told u , the car is crashed, not safe anymore...

this situation will make you insomia, scared to drive the car.....

correct o not TS????

if u repair it back, i guess the workshop/repairer will eat more panadol only brows.gif

This post has been edited by huakenny: Nov 29 2012, 05:55 PM

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