dear TS,

based on the 6 photos you provided. this car is not serious at all

it just a skin damaged...

u all talk about A pillar damaged..the damage is only at the skin, not the base

look at the photo i provided, that is what we call damage....total lost without doubt

TS's car skin damage and doors etc can be done within few months, if there is body panel need to replace. Insurance will insists repair to get approval from JPJ PutraJaya before the repairer proceed to repair. after repaired, repairer need to bring the JPJ approval letter to Puspakom for safety inspection.

Once Puspakom passed, they will give one copy report to repairer/car owner, one copy to JPJ and one copy to insurance.

Once insurance received, they will approved the claim and release the car to owner

nowadays insurance very strict, not like last time.

all Repairers need to follow PIAM ,JPJ, Puspakom and bank Negara procedures now...

As a forummer, of coz we all suggest TS to claim total lost....because thats not your car. "claim total lost and buy a new one la"......but who bear the cost?

try calculate the fee involves and ask urself if its worth...



This post has been edited by huakenny: Nov 24 2012, 05:30 PM


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The guard at Bangi won't even let you in if you didn't have a booking for that day.

This post has been edited by alg7_munif: Nov 24 2012, 09:15 PM


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hi there..

its not toyota body workshop..was told by the workshop that toyota doesnt want to do for my case..

in fact, they themselves sent my car to another workshop becoz they dont hv expertise in structured panel..

so i went to the another workshop where they keep my car, pending insurance loss adjuster to come..

when i asked them how long will it take to repair my car, they cant answer exactly when, as the timing depending on several milestone..

first, get the loss adjuster to give their evaluation..say, the repair cost doesnt exceeds 65% of the market value..

before my car get repaired, the owner (which is me, not the workshop) must write to JPJ Putrajaya on something "kebenaran membaiki"..when i asked why need JPJ blessing first, they told that becoz the repair works needs to replace left A-pillar and the roof (2 key structural parts)..he told that under JPJ rules, JPJ allow repair up to two critical parts, in this case, A-pillar and roof..say B-pillar need to replace too, then it wont get passed JPJ already..

after that, say JPJ approved it, and next time the car get into accident again which has something to do with any of the pillar, JPJ would not allow anymore..

walawey, seems like i'm the one who insist to get the car repaired instead of the total loss, to do so, i need to ask JPJ permission first before getting my car repaired..

they wont proceed to repair the car until JPJ's approval is given..once the repair work has done, then the car must be sent to puspakom for inspection..

so when i asked them about possibility of the car declaring as total loss, they said, no points talking about it already becoz eventually lies on the loss adjuster's opinion..the car's market value is still high to meet the 65% marks for total loss..

in my case, what should i do?

This post has been edited by zack2381: Nov 24 2012, 09:27 PM

Instead of writing to JPJ asking for permission, write it so that it is informing them about your accident and the damage to your car. Then ask them whether it is safe to be repaired and request for their permission if the car can be repaired safely.

'
thanks mate..

i did asked the workshop why need to replace the left A-pillar if the damage only at the skin, he said, the base also "kena"..same treatment for replacement of door panel, Toyota's part comes with a separate part of A-pillar..just replace the A-pillar part then its done..since i really dont know about this car things, i just take it without further question..

What do you mean, Luke didn't really get a new hand?! Nooooooooooooooooooooo!

We need a yearly puspakom check, done by something like the TÜV, to their standards and by well trained testers. They also have to be regularly checked for corruption, i.e. every month or so someone unknown goes there with a car and tries to bribe. If he gets through the tester is immediately fined and fired, also branded as corrupt. Though I'd expect about 40-60% of all cars on our roads can't pass the test without significant repairs... or at all.

Even the car industry should be in favour for this, since it means they get to sell new cars

TS,

as a repairer....my personal suggestion is to repair the car.

adjuster and insurance wont totalled your car, it just too minor....

if u need more info, you can pm me......

Toyota itself doesnt do body repair, even they did...they also assigned third party(outside workshop) to do......

many customers dunno bout this...they insists to sent toyota for repair, but actually the one repair your car is from outside workshop(appointed)

my 2cent

yup, get the loss adjuster to see the car first..
but is it true that the owner have to go personally to JPJ putrajaya to ask for approval, not the workshop?
i foresee tedious process and the car wont get fix expeditiously due to that..the car then need to go puspakom for inspection..but what happen the car cant get passed the puspakom? will the insurance company the willing to give full market value compensation after substantial repair costs has been incurred?
say puspakom approved the car to be on the road, the next step is to claim for "loss of use benefit"..this is tricky part as the one that bang my car was a singaporean car, meaning, the singapore insurance company..this another things that i totally lost..

http://www.toyota.com.my/highlights/body-and-paint.html

There are 21 Toyota outlets which do body & paint jobs:
http://www.toyota.com.my/sales-service-locator/

all jobs done by workshop...not owner

loss of use can be claim back

if u no ideas, ask ur insurance firm...not agent(agent know nuts bout claim)

if ur car follows the proper JPJ guidelines to fix, puspakom normally passed

wat i meant is...as i know..most of them are appointed outsider, to work there....

example, toyota branch A appointed this workshop ABC as panel repairer, so workshop ABC sent his staff to repair the car at toyota outlet. once done, they ciao...

toyota staff only do service maintenane job, and some insurance claim

corect me if im wrong

just deal directly with your insurance Co claim division. officially write-in as a start, seeking an appointment w/ claim dept.

dealing w/ agents, work-shops will only lead you to thousands of "opinions only".

thanks, i've called the claim division already..they asked me to claim direct to the singapore insurance company..they even give me the address and the phone number already..wth?

---

Added on November 26, 2012, 5:18 pmthe problem is, since mine is recond car from Japan, they (TOYOTA) here wont take it..
the workshop that currently im dealing with is structure panel workshop registered with PIAM, but i cant verify this.


This post has been edited by zack2381: Nov 26 2012, 05:18 PM

better ask the workshop help u do the paperwork n help you submit..i not sure how is west malaysia procedure...but i at east malaysia, im helping customers to do all these things....

you wont be able to do it correctly as it is quite troublesome, it just waste of time.

let me know if u need the sample for those letters etc, i can email to you

most insurance claim workshops are registered under PIAM, this is the basic requirement. without PIAM, they can get into this industry. so no worries.

as long as the workshop is panel for your insurance firm, then it is fine.

This post has been edited by huakenny: Nov 26 2012, 08:01 PM

thanks BRO, definitely need your help on this. sure will PM u thx in advance for willing to lend me such help..
another question, to what extend the liability from the third party insurance in my case?
the car wont get fixed at least in the next 3 months..how much per day you would think they will compensate. i'm using my other car at this moment and not gonna rent new car, so cannot show any invoices etc to claim.

---

Added on November 26, 2012, 8:43 pmthanks BRO, definitely need your help on this. sure will PM u thx in advance for willing to lend me such help..
another question, to what extend the liability from the third party insurance in my case?
the car wont get fixed at least in the next 3 months..how much per day you would think they will compensate. i'm using my other car at this moment and not gonna rent new car, so cannot show any invoices etc to claim.


This post has been edited by zack2381: Nov 26 2012, 08:43 PM

TS, is this a recon Toyota Wish? How many airbags are there in this car? Did any airbags deployed during the accident?

---

Added on November 26, 2012, 8:43 pm
thanks BRO, definitely need your help on this. sure will PM u thx in advance for willing to lend me such help..
another question, to what extend the liability from the third party insurance in my case?
the car wont get fixed at least in the next 3 months..how much per day you would think they will compensate. i'm using my other car at this moment and not gonna rent new car, so cannot show any invoices etc to claim.

[/quote]

third party insurance for ur car should be enough to cover.....

the loss of use gotta wait for adjuster report, it will written estimated days. wish should be around rm150 daily(estimated)...you dun ned show invoice for this

[quote=huakenny,Nov 27 2012, 01:11 AM]

---

Added on November 26, 2012, 8:43 pm
thanks BRO, definitely need your help on this. sure will PM u thx in advance for willing to lend me such help..
another question, to what extend the liability from the third party insurance in my case?
the car wont get fixed at least in the next 3 months..how much per day you would think they will compensate. i'm using my other car at this moment and not gonna rent new car, so cannot show any invoices etc to claim.

[/quote]

third party insurance for ur car should be enough to cover.....

the loss of use gotta wait for adjuster report, it will written estimated days. wish should be around rm150 daily(estimated)...you dun ned show invoice for this

[/quote]

i can only claim the loss of use benefit after the car repair works has finished rite, do we need to inform them now so that they are aware and acknowledge such liability? just dont want to be caught in the situation that procedurally, early notification must be made to them within certain period of time after the accident happen failing which, their liability is discharged automatically? what if the insurance company refuses to pay such compensation? Pls bear in mind its singapore insurance company and i dont think KFK arrangement cover this, as i understand this application must be made direct by the owner to the insurance company. what if after the car repaired, the car didnt passed the PUSPAKOM test? will the insurance company declare the car total loss and compensate me based on the full market value (after incurring so much repair cost already)? what if i dont agree with the loss adjuster report and also argue the calculation of the estimated of days for the loss of use benefit?

[quote=zack2381,Nov 28 2012, 09:26 AM]
third party insurance for ur car should be enough to cover.....

the loss of use gotta wait for adjuster report, it will written estimated days. wish should be around rm150 daily(estimated)...you dun ned show invoice for this

[/quote]

i can only claim the loss of use benefit after the car repair works has finished rite, do we need to inform them now so that they are aware and acknowledge such liability? just dont want to be caught in the situation that procedurally, early notification must be made to them within certain period of time after the accident happen failing which, their liability is discharged automatically? what if the insurance company refuses to pay such compensation? Pls bear in mind its singapore insurance company and i dont think KFK arrangement cover this, as i understand this application must be made direct by the owner to the insurance company. what if after the car repaired, the car didnt passed the PUSPAKOM test? will the insurance company declare the car total loss and compensate me based on the full market value (after incurring so much repair cost already)? what if i dont agree with the loss adjuster report and also argue the calculation of the estimated of days for the loss of use benefit?

[/quote]

if the car is appplied JPJ for approval before repair of panel replacement...the car normally will passed as all procedures followed

if the car din applied JPJ for body panel replacement and then you failed puspakom test, then u will be headache

the loss of use if not agree, appeal again and wait for approval.....not agree again, appeal and wait again....few months few months and few months....

better go directly to your own insurance company and ask them all these..u will get clear picture on the spot how to claim singapore insurance company...

over forum, we just can advise yet not 100% accurate

Yes,undoubtedly good protecting you and family...for the first time.Second time wont be so lucky.

[/quote]

if the car is appplied JPJ for approval before repair of panel replacement...the car normally will passed as all procedures followed

if the car din applied JPJ for body panel replacement and then you failed puspakom test, then u will be headache

the loss of use if not agree, appeal again and wait for approval.....not agree again, appeal and wait again....few months few months and few months....

better go directly to your own insurance company and ask them all these..u will get clear picture on the spot how to claim singapore insurance company...

over forum, we just can advise yet not 100% accurate

[/quote]

the one i bolded above, make me worry already..