Fixed

if im in the position to bargain, i would ask for the car to totalled..but the reality as what you rightfully mentioned, it wont be totalled, its just economically sense for the insurance company to minimize payment, so will tend to proceed with the repair, thinking that the car could come back to original condition after repair and the owner is well compensated...as what allenultra rightfully said also, the insurance co and loss adjuster has little knowledge about the car structure and safety issue, it make more sense for them to just look at the $$$ perspective only..the driver and car owner is me, not them.

im not the one who at fault..so to me, its hardly difficult to accept the fact that im gonna face all this hassles and mess..this accident jeorpadize the safety of my car, the comfy drive without worry the side effect of the car after repair, already loss of use, loss of resale value, loss of driving confidence etc..

i just want the car back to the original condition, thats all im asking..need to convince my wife to sit in the car is another issue, but i guess, this can be managed separately..not a key issue at this moment..thanx

Zack, send me your email. I might able to send some copy or letters where my clients sent to insurance companies to request for total lost.

Sometimes insurance companies do react based on your profession, they hardly messed up with lawyer, etc.

Overturn is always the worst to repair, wind noise....etc, nightmare.

The best would be front impact accident with airbag deployed. Maximum profit with much shorter repair time.

I think what we mean is a car is these days made from different metals at different places, and with different thickness etc. The purpose being to absorb the impact energy, and to spread it out evenly and around the passengers. --> Passengers won't get stopped abruptly. The seats will go into a protecting position before the impact really hits the passengers, the seatbelts will first pull back the passengers and then let him go "gently" (during which a part of the thing that holds the seatbelt in place is torn). There should be pieces that are intended to be damaged during the accident, and pieces that are supposed to stay as stiff as possible. In the first generation Merc A class the engine is supposed to move underneath the passengers during a crash, so that it isn't pushed into the passenger compartment. The A pillar is also crucial during frontal crashes. If it collapses that will be quite a big problem.

http://www.youtube.com/watch?v=onkNWGfcO8M
http://www.youtube.com/watch?v=zS_Gk7vjmOg
etc.

Under http://moba.i.daimler.com/baix/cars/246/de...Startseite.html and then Making of B-Klasse you can see how much effort went into that car, including the safety features. Unfortunately I couldn't find an English version of the video. If you want a translation please write down and I'll translate it. They have done 7100 crash simulations in the computer. 170 crash tests.

So basically I'd be worried if a small workshop can get the car back to that condition. If structurally important parts are replaced (and only if they were meant to be replaced by the manufacturer), with original parts, in the same way they were put together in the first place, I'd be ok. But those are many ifs, and to be honest I'd be a bit sceptical.

my first approach is to request for my to totalled..but very slim chances to win this..so need to prepare for the very likelihood scenario.

This is not about changing bumper, windscreen or head lamp we are talking about..this is about the structure panel broken which has something to do with safety, and as you already know, this kind of repair require experience and expert workmanship and proper facilities to get it done to original condition, and nobody could confirm this can be done properly simply by changing parts, right?

I dont think there is a need for JPJ to set the rules for their prior approval before proceeding with any structural panel repair, if the repair procedure its just like a "plug and play" kind of installation..u knew that well too right? Similarly, why the workshop hv to wait for JPJ approval first bfore proceeding for repair, if they 100% sure that JPJ will approve it?

since JPJ is not 100% approve...tat the reason we as repairer needs to wait for the approval letter.

if JPJ declined the application, mean the car MUST total lost

if JPJ approved, meaning it is repairable.

most of the panels are Plug N Play provided you got the right tools, just like u Play LEGO/TAMIYA(similarity)

since you are the car owner and im the repairer, our points of view is different. the things i think is minor, for you maybe its major.

As i said, there is only one solution for u...total lost...

how u get total lost...this is wat you need to discus wit adjuster n insurance firm and also workshop.

Hi All,

Update from the workshop..

The loss adjuster has yet to inspect the car. But the workshp has prepared the estimated repair cost which include spare part replacement and labour, which costs estimated ranging from RM50k to RM60k..Say the market value of the car is RM110k and the repair cost is RM55k, that 50% of the MV. Since the cost is below 65% of the MV, so likely from the economical point of view, the car will proceed to repair..not to mention that usually, the loss adjuster will cut down the repair costs further..

if i want to declare as total loss, i need to prepare a letter and forward to the workshop..will do that see how..

Dude.

declare total loss.

DO NOT FIX IT.

You will die in that car.

You do not know how those retard workshop people will fix this car.

You life or your money more important ?

Buy a new car, call it a day.

This car is fit for scrap metal.

hi, thanks, but have u seen the pictures? the workshp point of view is the car is repairable..the loss adjustors will likely concur for repair esp with workshop said it can be done...same goes to so to the insurance co, who wants to pay more? JPJ will not have any objection as they wont inspect the car before its repair and rely solely on the report by the workshop and the loss adjustors...and after the car repaired, the PUSPAKOM will approve it..dont worry about it...its predictable..anyone has a case that PUSPAKOM didnot approved the car after repair? if yes, then its strange..as i spoke to the loss adjuster already, they never encounter one before (the loss adjuster has yet to inspect the car anyway) - but THIS IS WORSE CASE SCENARIO.. - i need to think positively as well..it could be really the car can be repaired, without compromising safety..under this circumstance, i shouldnt make small thing as a BIG ISSUE, right?

so leaving me with little options as everything already governed by the law...something i learned today is that based on my conversation with loss adjuster, the A-pillar is not critical compared to centre pillar B & C..so chances are the car wont be total loss..

so what im gonna do next:

1) Attempt to request for the car declared as total loss (just try my luck);
2) If the car proceed to repair, insist for the car to be sent to UMW toyota..(the loss adjuster said, if the car repaired by the outside workshop, it wont be back to the original conditions - he shared this view as well. So he suggests to me that its my rights to ask for this, but dont tell the insurance co that he was the one suggesting it. the reason is the costs or repair is far costly compare to the outside workshop and insurance co wont like it..!
3) im not gonna be the person who will apply to JPJ for approval otherwise it will contradict to my earlier action for total loss declaration..
4) IF UMW toyota refuses to repair the car, it put me in better position to bargain for total loss.

The replacement cost and labour is around RM60k for new replacement parts but there also 25% discount so the total costs is around RM45k only..safely put the car away from 65% repair cost required for the car to totalled.

the whole idea about this is for the peace of mind, without worrying the safety of the car..

Dude,

rule of thumb . if the roof of the car has been damaged, the car is total loss .

You do not repair your car for more than > 15% of the cost of the car.

Anything above that is total loss in my view.

Stop thinking about safety of the car, it wont be safe.

Cars were made to take a hit once in a major accident.

repairing it wont bring it back to factory condition.

then i think 99% proton wira need to total lost edi

as they change the roof more often than u change car

if u own a wira, u know why

why proton wira often change the roof? car often turtle also?

as for omnimech's points, same opinions shared with frens i met and also some forummers here too...the moment they heard about the car turtle, things in their mind is total loss, as it affect the roof - the rule of thumb..unfortunately, one case differs from others so one cant make that kind of presumption too fast. This is first time i encounter this as at first i thought changing the roof is less difficult compared if damages affect the engines parts..so i never thought about totaled my car at the beginning..

why the people made that kind of generic statement becos they dont believe that workshop can restore this part as per original factory condition..even the loss adjuster for my car shared this view..unless if we send the car to the car manufacturer, in this case, UMW toyota, which insurance company dont like it coz it repair cost is damn high compared to the outside workshop..easy way out, ask for total loss, which what i'm gonna do next, once the adjuster report is out..

by looking at the equipment the workshop use...u will know how advance the workshop is.

try ask those riding wira, who never change the roof before?

people made those kind of generic statement because they are not understand how things work....

see the roof kemek...wah total lost....

by the way, now talk what also pointless....

u havent tell me you wanna total lost or repair????

if u insist wanna total lost, just tell adjuster. how much money i get back is not problem, i just want it totalled.

HI ALL, thx for all your feedback, advise and comments so far, indeed its helpful and good sharing knowledge to me, and hope to forummers here as well..

I just got a call from the LOSS ADJUSTER that they will submit for a recommendation for a TOTAL LOSS claim, after looking at the condition of the car yesterday. He said A and B Pillar affected (including roof), hence justify for the TOTAL LOSS claim. Pls note that as per the repair claim statement prepared by the Workshop, their remarks on the car condition is "GOOD". So indeed its different opinion from the Loss Adjuster point of view.

Now waiting for the report from the loss adjuster and thereafter for the Insurance Co's decision.

Im not sure how much they will compensate me, but usually they will source the market value from several used car dealer, mudah.my and other online sources, and come up with average market value.

Not sure whether my NCB will be affected, but i guess, it shouldnt becoz im not the one at fault.

NCB wont be affected, they will pay u based on Market Price.

So if you got bank loan, try check how much the balance. whether the current market price is higher than the balance of the loan.

if you bank loan's balance is higher than the car market value, then u will need to settle the balance when your car is totalled.

if the loan is lower than the market value, then after settled all the loan..the balance is urs

Hi thanks, for Toyota wish 1.8 (2008) registered in 2011 (full specs), how much u think they will pay me? any idea? what if they find out the car market value is higher than loan value, and trying their luck to offer me that based on the loan outstanding amount? for that reason, i need to also make my homework to see what is the fair MV so that i can counter claim them?

u check mudah or call ur car dealer for current market price for the said model wish

Here is a source for you.
http://www.star-motoring.com/News/2013/Syn...kom-system.aspx

yes i read the news n its the common practice...u can pass using runner but can u pass when puspakom send u letter to re do the puspakom assesment again? hehehe


Members of the public with such information can contact the company’s head of Investigation and Surveillance at 013-2160434 or email to integriti.isd@gmail.com.

so i believe u are good rakyat rite? call or give them details ok to investigate cos i dun have any source