QUOTE(fireballs @ Nov 23 2012, 10:05 AM)
Someone kena already! Pity him, driving a 'death-trap' car.
Need advise- car turtled (accident), Roadworthiness issue & insurance matters
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Nov 23 2012, 11:30 AM
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Junior Member
84 posts Joined: Jan 2012 |
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Nov 23 2012, 11:31 AM
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All Stars
21,963 posts Joined: Dec 2004 From: KL |
Totally confirm total lost.
Very hard to to knock those back unless potong and join new parts, which will directly not pass by JPJ. |
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Nov 23 2012, 11:33 AM
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Junior Member
17 posts Joined: Jan 2011 |
QUOTE(zack2381 @ Nov 23 2012, 11:21 AM) thanks .. In your case, I can't see clearly at the left A-pillar but if it is just slightly bent at the top part of the A-pillar, I think that repairing it could still be an option as the lower part is more critical. Roof panel can be replaced easily so no problem on that.at first, i never thought about issue on A-pillar has a big implication to the safety - total loss scenario if the car badly damage esp on engine parts - like ur car..so at first, i dont bother about total loss issue..but now im worried already after receiving more and more opinion highlighting this.. Just to show you how a weak A-pillar can be dangerous, this is from a crash test of Renault Sandero: http://paultan.org/2012/11/16/renault-sand...-in-latin-ncap/ Attached thumbnail(s) |
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Nov 23 2012, 12:07 PM
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Senior Member
825 posts Joined: Apr 2006 |
QUOTE(motomeiji @ Nov 23 2012, 12:25 PM) some people might say, just claim insurance and fix the car, the sell it off. but that is irresponsible, bro. have you watched the videoclip link i shared earlier? thank you for this video bro. i should show this to the loss adjuster hence insist for my right! Thanksthey used 2 exact similar cars, crashed together. the "repaired" one cause the driver to be crippled forever while the never repaired one the driver is saved entirely. |
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Nov 23 2012, 12:10 PM
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Junior Member
288 posts Joined: Feb 2008 |
good sharing! thanks
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Nov 23 2012, 12:14 PM
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Senior Member
825 posts Joined: Apr 2006 |
how about the collusion on the left passenger door? anyone?
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Nov 23 2012, 12:20 PM
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Junior Member
17 posts Joined: Jan 2011 |
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Nov 23 2012, 12:25 PM
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Junior Member
84 posts Joined: Jan 2012 |
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Nov 23 2012, 12:40 PM
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All Stars
19,042 posts Joined: Jan 2003 From: Soleanna |
if i may ask , how did it happen ?
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Nov 23 2012, 01:08 PM
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Senior Member
825 posts Joined: Apr 2006 |
QUOTE(alg7_munif @ Nov 23 2012, 12:33 PM) In your case, I can't see clearly at the left A-pillar but if it is just slightly bent at the top part of the A-pillar, I think that repairing it could still be an option as the lower part is more critical. Roof panel can be replaced easily so no problem on that. so there are two parts in A-pillar - top & lower part..so you mean that the top part is served as a cover to the lower part?..Just to show you how a weak A-pillar can be dangerous, this is from a crash test of Renault Sandero: http://paultan.org/2012/11/16/renault-sand...-in-latin-ncap/ looking at the roof condition, would the pillar be straight again if we remove the roof? i dont discount possibility of that..if that the case, what do you guys think? Still safe? need to take more picture focus on that part.back to my earlier question in what condition the A-pillar could be deemed as total loss? thanks guys for the free consultation advise! |
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Nov 23 2012, 01:37 PM
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Senior Member
6,462 posts Joined: Nov 2004 From: [Latitude-N3°9'25"] [Longitude-E101°42'45"] |
As much as everyone would like to declare total lost on this, let's get back to Malaysia reality.
Your car is "repairable" by workshop standard. Just pull, knock and replace new panels. + repaint. Problem is, to source the parts (new or chopshop) may take longer due to not that many on the road in Malaysia. There are many cars with worse damage than your car, which are repaired and on the road. Don't flame me, I'm not insurance agent or working for them. Just stating the reality. yeah yeah, there are many discussion above on structure safety, etc. But I'm not going to go into that. You may try your luck with BNM or Puspakom, etc. to force them to fail it, but as you and me (and the rest) knows, everything in Puspakom also can pass one. |
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Nov 23 2012, 02:14 PM
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Senior Member
825 posts Joined: Apr 2006 |
QUOTE(cute_boboi @ Nov 23 2012, 02:37 PM) As much as everyone would like to declare total lost on this, let's get back to Malaysia reality. thx for ur feedback..appreciate it..the reality is not as good as u wish, its part of life..puspakom+insurance agent+loss adjuster+workshop vs owner..quite difficult task i would say..if im a lawyer, ill hold them responsible if anything goes wrong..Your car is "repairable" by workshop standard. Just pull, knock and replace new panels. + repaint. Problem is, to source the parts (new or chopshop) may take longer due to not that many on the road in Malaysia. There are many cars with worse damage than your car, which are repaired and on the road. Don't flame me, I'm not insurance agent or working for them. Just stating the reality. yeah yeah, there are many discussion above on structure safety, etc. But I'm not going to go into that. You may try your luck with BNM or Puspakom, etc. to force them to fail it, but as you and me (and the rest) knows, everything in Puspakom also can pass one. can i insist for a report from puspakom to review the car b4 repair? i just worried that after car repaired, it cannot passed puspakom, and insurance refused to cover as to them, the repair cost already subtantially incurred and disbursed.. |
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Nov 23 2012, 02:21 PM
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Senior Member
6,462 posts Joined: Nov 2004 From: [Latitude-N3°9'25"] [Longitude-E101°42'45"] |
QUOTE(zack2381 @ Nov 23 2012, 02:14 PM) thx for ur feedback..appreciate it..the reality is not as good as u wish, its part of life..puspakom+insurance agent+loss adjuster+workshop vs owner..quite difficult task i would say..if im a lawyer, ill hold them responsible if anything goes wrong.. I'm not sure the exact procedure, if there are any other certification company that is approved by govt/BNM/insurance/etc. other than Puspakom.can i insist for a report from puspakom to review the car b4 repair? i just worried that after car repaired, it cannot passed puspakom, and insurance refused to cover as to them, the repair cost already subtantially incurred and disbursed.. Perhaps is it possible for you to arrange tow to puspakom for inspection, whether it is safe to repair or not ? On your own cost. Get the results in black and white from puspakom, which you hope it to fail, in order for total lost. But, even with it, the insurers may still send to workshop, workshop repair it, and "get" it approved by puspakom. Insurance will tell you, puspakom approve, now you go collect the car. There are other side discussions as well, since you get hit at the side, has the IO police decide who is at fault 100% ? or 50-50 ? Cause if 100% the other party, your insurance don't need to pay a cent and they can claim back from the other insurer (provided the insurer is not same company as you), hence the chance of total lost approval is a bit higher. |
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Nov 23 2012, 03:06 PM
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Senior Member
825 posts Joined: Apr 2006 |
QUOTE(cute_boboi @ Nov 23 2012, 03:21 PM) I'm not sure the exact procedure, if there are any other certification company that is approved by govt/BNM/insurance/etc. other than Puspakom. it is not a question whether i want it to be total loss or not, its more on the issue of roadworthiness..Perhaps is it possible for you to arrange tow to puspakom for inspection, whether it is safe to repair or not ? On your own cost. Get the results in black and white from puspakom, which you hope it to fail, in order for total lost. But, even with it, the insurers may still send to workshop, workshop repair it, and "get" it approved by puspakom. Insurance will tell you, puspakom approve, now you go collect the car. There are other side discussions as well, since you get hit at the side, has the IO police decide who is at fault 100% ? or 50-50 ? Cause if 100% the other party, your insurance don't need to pay a cent and they can claim back from the other insurer (provided the insurer is not same company as you), hence the chance of total lost approval is a bit higher. if the car deemed as total loss due to economically unrepairable (due to repair cost exceeds market value) , or car beyond repairable (no point repair)- i think the issue is quite straight forward.. but if the car is not safe to repair, but still can be repaired and restored so that on the surface it looks normal - but in the inside compromise the safety issue which its hardly difficult to see, if the insurance decides to repair it for the sake of they dont want to pay full market value, where is the our rights in this case? is there any protection to the car owner in this case? on the other side of discussion, i'll put it a secondary for the moment..i still need to some advise on how to go ahead on this matter since police report already decided i'm not the one that in fault position..i got hit from a driver from the south! |
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Nov 23 2012, 03:27 PM
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Junior Member
17 posts Joined: Jan 2011 |
QUOTE(zack2381 @ Nov 23 2012, 01:08 PM) so there are two parts in A-pillar - top & lower part..so you mean that the top part is served as a cover to the lower part?.. When I said top & bottom, I refer to the location near to the roof or near to the hood. If the A-pillar is not bent near the hood and it is just shifted slightly near the roof, I think that it can still be repaired. It won't be as strong as the original condition but I think the risk is still low compared to it is bent at the lower end. Reason being is the A-pillar would be thicker at the bottom end so it is stronger compared to at the top end.looking at the roof condition, would the pillar be straight again if we remove the roof? i dont discount possibility of that..if that the case, what do you guys think? Still safe? need to take more picture focus on that part.back to my earlier question in what condition the A-pillar could be deemed as total loss? thanks guys for the free consultation advise! Just imagine the soft metal spoon that you can find in restaurants. If you can bend it slightly so that it forms a slight curve, you will find that the spoon will still be usable and the structural strength is still there. But if you bend it beyond its limit, you will find the the spoon won't have its strength anymore even when you bend it back to its original shape. Added on November 23, 2012, 3:29 pm QUOTE(zack2381 @ Nov 23 2012, 03:06 PM) it is not a question whether i want it to be total loss or not, its more on the issue of roadworthiness.. Last time I made a police report, they asked me to specify the damage to the vehicle, make sure that you mention that there is a damage at the A-pillar. In that case, at least you have a documented report if anything doesn't seem to be right.if the car deemed as total loss due to economically unrepairable (due to repair cost exceeds market value) , or car beyond repairable (no point repair)- i think the issue is quite straight forward.. but if the car is not safe to repair, but still can be repaired and restored so that on the surface it looks normal - but in the inside compromise the safety issue which its hardly difficult to see, if the insurance decides to repair it for the sake of they dont want to pay full market value, where is the our rights in this case? is there any protection to the car owner in this case? on the other side of discussion, i'll put it a secondary for the moment..i still need to some advise on how to go ahead on this matter since police report already decided i'm not the one that in fault position..i got hit from a driver from the south! This post has been edited by alg7_munif: Nov 23 2012, 03:29 PM |
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Nov 23 2012, 03:48 PM
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Junior Member
38 posts Joined: Jul 2006 |
QUOTE(cute_boboi @ Nov 23 2012, 01:37 PM) As much as everyone would like to declare total lost on this, let's get back to Malaysia reality. care to share with me how to? by PM also can...please...i really want to know how cos i got 1 car waiting for puspakom examination...Your car is "repairable" by workshop standard. Just pull, knock and replace new panels. + repaint. Problem is, to source the parts (new or chopshop) may take longer due to not that many on the road in Malaysia. There are many cars with worse damage than your car, which are repaired and on the road. Don't flame me, I'm not insurance agent or working for them. Just stating the reality. yeah yeah, there are many discussion above on structure safety, etc. But I'm not going to go into that. You may try your luck with BNM or Puspakom, etc. to force them to fail it, but as you and me (and the rest) knows, everything in Puspakom also can pass one. This post has been edited by Daniel John: Nov 23 2012, 03:49 PM |
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Nov 23 2012, 03:52 PM
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Junior Member
17 posts Joined: Jan 2011 |
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Nov 23 2012, 04:05 PM
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Junior Member
84 posts Joined: Jan 2012 |
QUOTE(zack2381 @ Nov 23 2012, 03:06 PM) it is not a question whether i want it to be total loss or not, its more on the issue of roadworthiness.. 1. From a technical point of view, your car is 100% repairable (as long as replacement parts available).if the car deemed as total loss due to economically unrepairable (due to repair cost exceeds market value) , or car beyond repairable (no point repair)- i think the issue is quite straight forward.. but if the car is not safe to repair, but still can be repaired and restored so that on the surface it looks normal - but in the inside compromise the safety issue which its hardly difficult to see, if the insurance decides to repair it for the sake of they dont want to pay full market value, where is the our rights in this case? is there any protection to the car owner in this case? on the other side of discussion, i'll put it a secondary for the moment..i still need to some advise on how to go ahead on this matter since police report already decided i'm not the one that in fault position..i got hit from a driver from the south! 2. After repair, you will headache about workmanship of repair (assuming you're unlucky). 3. You won't be able to sell off your car (even though you did, it is morally unethical because someone will suffer it later). 4. Then, your car roadworthiness will be your forever nightmare! Worse case workshop bribery relevant parties to approve cut and shut repair. Form workshop point of view, cut and shut repair is the easier and fastest method of repair. Sorry for pouring so many pour cold water on you. This kind of reality is hard to swallow. |
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Nov 23 2012, 04:08 PM
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Senior Member
6,462 posts Joined: Nov 2004 From: [Latitude-N3°9'25"] [Longitude-E101°42'45"] |
QUOTE(zack2381 @ Nov 23 2012, 03:06 PM) it is not a question whether i want it to be total loss or not, its more on the issue of roadworthiness.. You can say (or even proof) it is not road worthy, but once repairs by workshop, "approved" by puspakom inspection, the insurer will tell you it is road worthy.if the car deemed as total loss due to economically unrepairable (due to repair cost exceeds market value) , or car beyond repairable (no point repair)- i think the issue is quite straight forward.. From the pictures of the car exterior, I can tell you it is economically repairable, and won't exceed the % of market value to write it off. QUOTE(zack2381 @ Nov 23 2012, 03:06 PM) but if the car is not safe to repair, but still can be repaired and restored so that on the surface it looks normal - but in the inside compromise the safety issue which its hardly difficult to see, if the insurance decides to repair it for the sake of they dont want to pay full market value, where is the our rights in this case? is there any protection to the car owner in this case? As I mention earlier, this is Malaysia. We don't have much rights here. Even if you get puspakom to certify it is not road worthy, the workshop can get it "approved" also by puspakom. Of course, you can go all out for lawyer, court, etc. as mention above also. Send for car x-ray, etc. You can choose to fight it out, wait for a court date, take leave/absense to attend, hire lawyer, etc. And still not necessary you will win the case, it's 50-50. And who will bear the cost of it, etc. QUOTE(Daniel John @ Nov 23 2012, 03:48 PM) care to share with me how to? by PM also can...please...i really want to know how cos i got 1 car waiting for puspakom examination... Sorry, I don't have contacts that can share here. Just ask workshops/runners or hang around Puspakom there, someone will approach you. They will settle. Too bad, this is Malaysia. |
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Nov 23 2012, 06:14 PM
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Senior Member
825 posts Joined: Apr 2006 |
QUOTE(Bubble Ring @ Nov 23 2012, 05:05 PM) 1. From a technical point of view, your car is 100% repairable (as long as replacement parts available). 1) ok, yup, its repairable, becoz the workshop told me that now..they also the one suggesting when towing my car that loss adjuster could probably view this as total loss too..but now change their mind already perhaps after looking carefully about the car conditions i guess..but they transferred the car to another workshop belonging to them as the current workshop doesnt have expertise in structural damage works..2. After repair, you will headache about workmanship of repair (assuming you're unlucky). 3. You won't be able to sell off your car (even though you did, it is morally unethical because someone will suffer it later). 4. Then, your car roadworthiness will be your forever nightmare! Worse case workshop bribery relevant parties to approve cut and shut repair. Form workshop point of view, cut and shut repair is the easier and fastest method of repair. Sorry for pouring so many pour cold water on you. This kind of reality is hard to swallow. 2) replacement part i think should not be an issue i guess..this MPV car is quite common in Malaysia 3) The workshop suggests to consider selling the car after the repair works finishes. Its not becoz of the safety issue, but rather to avoid the car being total loss where compensation by the insurance company (If i insists and manage to get thru) is not as high as if i sell it in the secondary car market.. 4) Seriously, the workshop never highlight about the roadworthiness issue..could be to them everything are repairable, the question is whether so its economically repairable to do so or not..when it come to structure panel works, it may take 5-6 months, or 3 months the earliest.. This post has been edited by zack2381: Nov 23 2012, 06:16 PM |
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