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

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alg7_munif
post Nov 23 2012, 06:43 PM

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QUOTE(zack2381 @ Nov 23 2012, 06:14 PM)
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) 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..
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If the repaired car is road worthy, why would they ask you to sell the car? Better if they ask you to just use it back since the car is fully "repaired".
TSzack2381
post Nov 23 2012, 06:52 PM

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QUOTE(alg7_munif @ Nov 23 2012, 07:43 PM)
If the repaired car is road worthy, why would they ask you to sell the car? Better if they ask you to just use it back since the car is fully "repaired".
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becoz they might be thinking that im no longer interested to drive the car? i think so?
when i asked about the total loss to them, the things in their mind was that i'll be incurring more losses if i proceed with that.. first question they asked was how much loan outstanding of car, and they said i might end up to pay for difference depending the insurance compensation which usually not able to cover the loan amount, considering the car is not more than 2 years old..not to mentioned about huge down payment i need to pay for the new car..
so selling the car at secondary market might give me better return at least it could cover the loan amount, hence ease the burden for down payment for the new car..

as i said before, they never think about safety issue, its more on $$$$$$$ matters to them..
alg7_munif
post Nov 23 2012, 07:06 PM

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There is another type of "repair" which the brother of a friend has encountered before. He was involved with quite a big accident and the car was quite badly damaged. The car was sent to a workshop where they said the car can be repaired.

The car was at the workshop for about a month and then he went to check it out but no work was done yet. A few weeks later he went again and still no work has been done. A week after that the workshop called him to collect his car and what a surprise, the car is now back in good condition. Even bigger surprise was the car now comes with tinted film installed, he did not have any tinted before this.

We think that the car was a stolen vehicle and the workshop just do some VIN & engine number tempering to change the identity of the car...
ralph_lauren
post Nov 23 2012, 07:16 PM

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QUOTE(alg7_munif @ Nov 23 2012, 07:06 PM)
There is another type of "repair" which the brother of a friend has encountered before. He was involved with quite a big accident and the car was quite badly damaged. The car was sent to a workshop where they said the car can be repaired.

The car was at the workshop for about a month and then he went to check it out but no work was done yet. A few weeks later he went again and still no work has been done. A week after that the workshop called him to collect his car and what a surprise, the car is now back in good condition. Even bigger surprise was the car now comes with tinted film installed, he did not have any tinted before this.

We think that the car was a stolen vehicle and the workshop just do some VIN & engine number tempering to change the identity of the car...
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wat car ?
brand pls doh.gif doh.gif doh.gif doh.gif


Added on November 23, 2012, 7:18 pm
QUOTE(zack2381 @ Nov 23 2012, 06:52 PM)
becoz they might be thinking that im no longer interested to drive the car? i think so?
when i asked about the total loss to them, the things in their mind was that i'll be incurring more losses if i proceed with that.. first question they asked was how much loan outstanding of car, and they said i might end up to pay for difference depending the insurance compensation which usually not able to cover the loan amount, considering the car is not more than 2 years old..not to mentioned about huge down payment i need to pay for the new car..
so selling the car at secondary market might give me better return at least it could cover the loan amount, hence ease the burden for down payment for the new car..

as i said before, they never think about safety issue, its more on $$$$$$$ matters to them..
*
u can pass JPJ is another thing.... LOL..thats why my proton wira will be my last 2nd hand car in my life... thumbup.gif thumbup.gif

This post has been edited by ralph_lauren: Nov 23 2012, 07:18 PM
kadajawi
post Nov 23 2012, 07:37 PM

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Pay Puspakom to fail the test? Depends on if you are willing to spend more on the tester than the insurance company... but after some point they will probably give in. Might be more economical. Though perhaps the insurance company will switch the tester.

You can go to the media, try to make it known that the insurance company wants to kill you. Bad publicity might be enough to just compensate you.

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.

Imagine driving a tank (which is extremely solid) into something even more solid. That causes the tank to stop abruptly. Even if the tank does not crumble this will probably kill you, because you are stopped at once. The g-forces are too high for the human body to survive.
alg7_munif
post Nov 23 2012, 08:02 PM

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QUOTE(ralph_lauren @ Nov 23 2012, 07:16 PM)
wat car ?
brand  pls  doh.gif  doh.gif  doh.gif  doh.gif


Added on November 23, 2012, 7:18 pm

u can pass JPJ is another thing.... LOL..thats why my proton wira will be my last 2nd hand car in my life... thumbup.gif  thumbup.gif
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Proton
TSzack2381
post Nov 23 2012, 08:04 PM

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QUOTE(kadajawi @ Nov 23 2012, 08:37 PM)
Pay Puspakom to fail the test? Depends on if you are willing to spend more on the tester than the insurance company... but after some point they will probably give in. Might be more economical. Though perhaps the insurance company will switch the tester.

You can go to the media, try to make it known that the insurance company wants to kill you. Bad publicity might be enough to just compensate you.

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.

Imagine driving a tank (which is extremely solid) into something even more solid. That causes the tank to stop abruptly. Even if the tank does not crumble this will probably kill you, because you are stopped at once. The g-forces are too high for the human body to survive.
*
blame the PUSPAKOM lor..i dont have any frens in PUSPAKOM but they do..
ok, i dont want to be seen as prejudice to the profession being the loss adjustor, workshop, insurance agent or PUSPAKOM, in normal cases, most of them are good ones (otherwise they could not get the required licences) but in reality there are also few bad ones too...so there are still possibilities, but looking at worse case scenarios and chances of that happening to me, lets disregard that at this moment..as for myself, i wouldnt want to declare it as total loss unless it compromise safety..need to fork out cash unnecessarily hoping to get rid of non-accident free car is not my objective here.

anyone from loss adjustor/insurance agent dealing with claim or workshop owner here could also share views?





archonixm
post Nov 23 2012, 09:39 PM

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Once u got in an accident with a weakened structured car and u lost ur leg or ur hand or ur limb, then even with the 10k money u saved from losing the car to total lost wont be able to buy you a new hand. Think that.
TSzack2381
post Nov 23 2012, 09:46 PM

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QUOTE(archonixm @ Nov 23 2012, 10:39 PM)
Once u got in an accident with a weakened structured car and u lost ur leg or ur hand or ur limb, then even with the 10k money u saved from losing the car to total lost wont be able to buy you a new hand. Think that.
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yes, really thanx for that..
simply the decision whether its total lost or not is not within my power..
as i said earlier, it really its compromised the safety, i'll fight for it, but i'm not in the position to decide this..
unless if you are saying that just get it repaired but dont use it..
archonixm
post Nov 23 2012, 09:58 PM

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Maybe after they fixed it, you can go to Puspakom, pay for your self, see whether they pass it or not, then complaint at Bank Negara, FMB, Tribunal Pengguna?
Bubble Ring
post Nov 23 2012, 11:51 PM

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QUOTE(kadajawi @ Nov 23 2012, 07:37 PM)
Pay Puspakom to fail the test? Depends on if you are willing to spend more on the tester than the insurance company... but after some point they will probably give in. Might be more economical. Though perhaps the insurance company will switch the tester.

You can go to the media, try to make it known that the insurance company wants to kill you. Bad publicity might be enough to just compensate you.

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.

Imagine driving a tank (which is extremely solid) into something even more solid. That causes the tank to stop abruptly. Even if the tank does not crumble this will probably kill you, because you are stopped at once. The g-forces are too high for the human body to survive.
*
Well said brother! thumbup.gif

Referring to this thread, some stupid forumer suggested to reinforce crumble zone. mad.gif
Crumble zone meant to be crumble. How the workshop determine the right amount of "reinforce" needed? doh.gif
On below second video, 8:20 to 8:50 demonstrated the well-engineered crumble zone against over-engineered crumble zone. flex.gif


Bubble wrap act just like the crumble zone of a car to absorb the impact energy.



Skip to 6:02 to watch the egg test, best to support your statement: "Even if the tank does not crumble this will probably kill you, because you are stopped at once"

TSzack2381
post Nov 24 2012, 12:45 AM

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so that mean, in short, anything about affecting the roof is no longer safe?
Daniel John
post Nov 24 2012, 01:10 AM

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QUOTE(alg7_munif @ Nov 23 2012, 03:52 PM)
Just need to find a runner to do the job, they know their business inside out...
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so I.dun puspakom can pass la like tat...no source...all say runner only...

lipoted
whatdamn
post Nov 24 2012, 06:39 AM

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i think some replies you've gotten pointed you to head to a panel beater approved by the car manufacturing company.

the idea behind that is so that they have the ability/knowledge to restore the chassis to within manufacturer's dimensional tolerences.

there has to be a compromise here. one cannot expect the same physical properties of the metal to be maintained once the deformed metal has been worked in (ie. repaired). quality of the metal is obviously sacrificed but if parts of the metal being repaired have not sheared off which will result in welding the area, the repair could be acceptable.

depending on the quality of the repairs, you may experience stress cracks developing around the areas where repairs were made to the structural members of the car. the most common would be degradation in the welds made during the repair (ie. surface not prepared properly prior to welding or porosity of the welds just to name a couple).

if at all possible and costs aren't too high, you ought to consider engaging a third party inspection company to survey the damages.
alg7_munif
post Nov 24 2012, 07:12 AM

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QUOTE(Daniel John @ Nov 24 2012, 01:10 AM)
so I.dun puspakom can pass la like tat...no source...all say runner only...

lipoted
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Like it or not, the fact is our country is so corrupted.

Fact: all imported CBU cars must go through Puspakom inspection regardless whether it is new or used.
Fact: you should not be able to pass the inspection if your windows are darker than the allowed level.
Fact: look around you and see how many Alphards, Estimas, Vellfires and etc. on the road which have dark glass all round the car except for the front glasses. These cars have all under gone through the Puspakom inspection.
Fact: if you want to sell your car, you need to book a slot for inspection a few weeks earlier but if you use a runner, he can do it for you just within 1-2 days.
Daniel John
post Nov 24 2012, 08:41 AM

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QUOTE(alg7_munif @ Nov 24 2012, 07:12 AM)
Like it or not, the fact is our country is so corrupted.

Fact: all imported CBU cars must go through Puspakom inspection regardless whether it is new or used.
Fact: you should not be able to pass the inspection if your windows are darker than the allowed level.
Fact: look around you and see how many Alphards, Estimas, Vellfires and etc. on the road which have dark glass all round the car except for the front glasses. These cars have all under gone through the Puspakom inspection.
Fact: if you want to sell your car, you need to book a slot for inspection a few weeks earlier but if you use a runner, he can do it for you just within 1-2 days.
*
fact about alphard cos family own veilfire: importer sewa the glass from shop changing glasses before puspakom inspection...I can intro u the glass shop...so puspakom being cheated or the importer is corrupted...

fact about selling car : puspakom inspection no need to book...1st come 1st serve basis...I dunno which puspakom are u going but tats wat wangsa maju puspakom practice...

back to the topic...
as the owner u actually have the final say with the insurance company...
1) since the car is recond, not sure about Toyota policy but once our family estima which is recond can not be diagnostic for a problem in Toyota sc...that maybe a different case...
2) u may or u may not pass the puspakom inspection once the repair is done unless someone here is intro u with lobang...

every puspakom inspector will sign the form...in the future if u get caught..the person who sign ur form is in danger...it is not easy like last time

TSzack2381
post Nov 24 2012, 12:29 PM

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QUOTE(Daniel John @ Nov 24 2012, 09:41 AM)
fact about alphard cos family own veilfire: importer sewa the glass from shop changing glasses before puspakom inspection...I can intro u the glass shop...so puspakom being cheated or the importer is corrupted...

fact about selling car : puspakom inspection no need to book...1st come 1st serve basis...I dunno which puspakom are u going but tats wat wangsa maju puspakom practice...

back to the topic...
as the owner u actually have the final say with the insurance company...
1) since the car is recond, not sure about Toyota policy but once our family estima which is recond can not be diagnostic for a problem in Toyota sc...that maybe a different case...
2) u may or u may not pass the puspakom inspection once the repair is done unless someone here is intro u with lobang...

every puspakom inspector will sign the form...in the future if u get caught..the person who sign ur form is in danger...it is not easy like last time
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hi there, to what extend the owner have the final say? refuse to accept any kind of insurance settlement will that make the insurance policy void?..on the other hand, u cant also ask for the sky rite? what they will do probably to convince u that this is the best offer, take it or leave it..

about sending the car to toyota, i'll insist for that in case they still want to proceed to fix the car..




ckhoong
post Nov 24 2012, 04:05 PM

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@zack

the first matter to concern is .. is that toyota body n paint workshop?
if toyota's B&P, they will repair for you in legal way.. and will get putrajaya's letter for the puspakom's inspection
but your car's logbook will be written some jpj notes.. "kebenaran utk membaiki XXXX ..."
while thirdparty workshop most probably your car just pull n knock back to the shape and put cement kaokao..

no matter which way you choose, because it is pillar n roof cases.. the resell value will be shit..

the total lost n repair is under the adjuster's decision
xiphone4
post Nov 24 2012, 04:57 PM

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I would like to share my experience with you, , 10 years ago I have the same situation like you, but it is a Proton saga.
I wrote to the insurance company, staying that the a pillar is crooked and the only way is to re weld with another a pillar, I said you can do what ever you can to salvage the car, but after that I will bring it to puspakom for inspection.If fall then I will claim total loss from your company, however I am will to accept certain amountof compensation as total loss.
Then they accept and I get the money instead of repairing the car.
You must write to them yourself.
SUSOptiplex330
post Nov 24 2012, 05:20 PM

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QUOTE(zack2381 @ Nov 23 2012, 09:31 AM)
Appreciate cifus advise on this..
opinion from loss adjustors or car owners with similar kind of experience are most welcomed..
car is almost 2 years old (recond built in  2008), victim of a reckless driver..
Thought the car is repairable as what mentioned by the workshop but friends told its totalled - due to structural damages.
Workshop could be conflicted if declared as total loss as no earnings to the workshop as payment will be direct to owner - frens told..
but frens could be wrong as they are not expert in this field..
insurance co / loss adjustors might be conflicted too right? as they trying possible ways to cut costs for their paymaster..

my worried is in term of roadworthiness, if the car can be repaired without compromising safety, why not?
but the workshop said this need 5-6 months to repair- the earliest could be 3 months.. if not a major issues, why taking so long?
what do you guys think?
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I think the proper term is "constructive total lost" or something like that. It basically means the cost is too high to make repair not worth the trouble. Propose that to the insurance company and they may be agreeable.


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