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?

thank you for sharing info..

the car built in early 2008, registered here in 2011. The workshop said the car already 5 years by now, hence replacement should be from used part, not new part, under BNM rules. (verification check: issit true the car already 5 years old for the insurance purpose?)

as for 65% mark, if the loss adjuster value the car lower and the workshop up the repair ost price, wouldnt it able to reach 65% mark?..pls note i had my other car repaired in workshop, not serious though, just change the front bonet and front lights and spray(nothing on the engine)- it costed the insurance co for RM7k already for used part (according to insurance claim).. for this kind of damages, i imagine the cost should escalate few times higher..

my insurance from etiqa, same also for the car that hit me, but singapore branch.. towing, police report are all done, im not the one being summoned.

yup, the workshop will only start doing the repair work once JPJ approval letter is obtained. In this case, the owner must do themselves, not the workshop (verification check: issit true?)

so the structure panel can be properly repaired without kes "sambung" case? Why i should be the one have to incur costs for JPJ or PUSPAKOM inspection? is it claimable to the insurance company? what happen if the car proceeded to repair and then thereafter PUSPAKOM reject it? what happen then?

[The vehicle registration card will be stamped of "roof panel replaced, pillar replaced"] - this will make the car is not saleable in the secondary market as peoples are car about safety risk too...i view this as a total loss due to this reason as well..

on the letter, to whom should i address the letter to? chances wise how?

thanks for the valuable info..my comments in bold

Toyota Wish Year 2008 Market Value

Mine is 1.8 version, not 2.0.

What workshop told you is correct. All for reconditioned vehicle, betterment effective date is calculated based on the 1st of January of the manufactured year.
Refer to the betterment letter attached, your car currently is under 15% betterment charge. Unless you willing to topup for the 15% difference, the workshop will use used/taiwan parts to refurnish and repair your vehicle.

mine is currenlty is not yet 5 years old until next year January..the accident occur before it reaches 5 years. Do you agree?

Your car, currently at around RM105k. Based on 65% calculation, you shall know how much of the repair cost required to be certified as total lost.
Your car reach 65% of sum insured? To my experience, it will not. Not a single chance to reach 70k in repair cost approval letter.
There are retail price for adjuster/repairer to follow, Toyota Wish spare part isn't that expensive actually.
I'm not sure what car u used to have for accident claim collision repair, but if u talking about front impact collision sum up to RM7k isn't something special.
Bumper front, headlamp LH/RH, Grille Front, Front Panel Assembly, Radiator, A/C Condenser, Cooling Fan Cover, Cooling Fan Motor and LABOUR can be pretty expensive if you don't know.

Nothing to do with Radiator, A/C Condenser, Cooling Fan Cover or Motor whatsoever..
I just had a Honda Accord front impact collision (latest model), Headlamp LH/RH, bumper front, fender LH, bumper beam, fog lamp LH + labour = RM8.6k
Radiator and A/C Condenser of the vehicle is intact and in good condition.

I think mine is like yours..so mine is cheaper then..

For the JPJ approval letter, its either owner apply himself or the workshop can appoint runner to do on behalf. (Runner incur cost, right?)

How much it costed?

About the incur cost for JPJ/Puspakom inspection, unless insurance company willing to pay in the approval letter, else owner will have the bear the cost. Why? The workshop not gonna do it for free, it usually will cost few hundred ringgit if appoint a runner to do so. Puspakom will approve it, because JPJ has released such a letter than this vehicle has been repaired/replaced the roof panel, pillar, etc. That's the main intention of having such inspection, to ensure the car is properly repaired. If the car cannot pass, the workshop will be in deep trouble.

JPJ approved the layout repair, PUSPAKOM will check how its done..if the layout by JPJ is ok but the workshop didnot follow, how can it get pass PUSPAKOM then? In my case, the workshop told that the left A pillar and roof need to be replaced. The B pillar at the right got dent but not sure they replace it or not. According to them, JPJ rules doesnt allow 3 structural panel to be replaced. In my case, only 2, but let say my car get hit again, they wont approve further structural repair. This itself makes things scary in term of safety of the car..[verification check: issit true)

About the vehicle registration card stamp issue, its to prove that the car is properly repaired at those area after went through Puspakom inspection.
The car not sell-able, its more to economical reason but not the intention of JPJ/Puspakom inspection which focus into safety issue (proper repair).
This isn't a reason for total loss if you ask me.

If no buyer for my car due to its historical structural repair, its serious concern about the safety of the car, hence they wont take the risk of buying..am i as the driver shouldnt have the similar concern too? i should..

The letter? Address to the insurance company.

Noted

Something that I need to share with you, it isn't compulsory for Etiqa insured vehicle to perform JPJ/Puspakom inspection for structural damage caused. You can choose not to perform the JPJ inspection, refer to your insurance company. Certain insurance companies like Tokio Marine, MSIG and AIG (used to known as Chartis) made their insured compulsory to perform the JPJ/Puspakom inspection upon any structural damage.

Well, im not the one insist for the car to be repaired, but Etiqa could, as they dont want to pay full market value compensation. If the car structural integrity is compromised (as per PUSPAKOM report), what is my rights under this circumstances?

For instance if you choose not to do the JPJ/Puspakom inspection now, you can do it later. There isn't any expiry date (refer to Etiqa for this possibility).
Somehow if next time you want to sell off the vehicle and Puspakom hold you because u din perform any Puspakom inspection due to previous accident, you will need to do the inspection by then.

If i want to sell /trade in the car, this is cannot be avoided, anyway. my plan to go inspect right after the car finish repair.

You, as the owner of the vehicle is the customer of insurance company. You have the rights on what to do with your vehicle, deal with your insurer - Etiqa.

Seems like Loss Adjuster is the most powerful person..

We - body & paint shop (when involving insurance claim), your status are not our customers. Firstly, you are not the one who pay for the repair cost, insurance company does. We are entitle to perform whatever repair based on how they pay us. If the insurance company willing to include the JPJ/Puspakom inspection incur cost (We charge RM300 in Ipoh) into the approval letter, you yourself as the owner will not need to pay for that.

Hope my sharing clear your doubts.

thanks huakenny,

seriously my main worry is about the safety of the car..u as the expert in repair works, what do you think? Should or shouldnt i worry about this thing?put yourself into your shoe..there many forummers ad frens here already warned me about the safety issue if get hit into 2nd accident, so im not sure whether its fair for me to hv such feeling or im too much worrying for something isnt serious at all...its about the safety of myself and my family members i'm care the most. not to mention as i dont want to cause risk to  other road users too..btw, the  actual car condition is worse than what u see in the picture.
but i will accept the reality if the car proceed to repair..well, i dont think the loss adjuster will buy the story about i'll get insomnia if the car get repaired, woudnt they? hehe..

i seen alot accident cases, and there all more serious than urs.

urs is like 'kacang putih' case only...close eyes also can repair actually

at my point of view (if its my car), i just repair n drive

Too dangerous. I wouldn't drive that car.

Can you get compensated for loss of resale value?

The issue that I have is that in modern cars every part seems to be important and designed to make the car safer. In the oldern days, yes, only a few parts so important. But these days from what I know the strength of every single metal piece is carefully chosen to absorb the most energy as smoothly as possible so serious injuries can be avoided. Any repair, even welding completely new pieces to it, should have an impact on the safety of the vehicle.

is not bout how much they will compensate...is how many years they are going to approve it...lolz

my customer claimed kurnia...6years....

by the way, im from kk. i visited ipoh Soo Kee before, i bought the  same chassis measuring system like him too from d same supplier.

how dangerous is dangerous bro?

if the A pillar is seriously damaged, ok la...i accepted your statement..its dangerous to replace/fix it back

but if just based on TS provided photos, it is just A Pillar outer layer problem only, its skin only bro....

but if skin damaged also considered dangerous, then i got no comment

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Added on November 29, 2012, 12:45 am

10 yrs ago i still a kid

now me n my bro starting to handle the workshop edi, its family business.....

thats why my shop is updated in kk...the equipments i bought, only i got at kk. other workshops still canot accept new technologies, sad

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

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..

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

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 ....

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..

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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 ?

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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?

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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?

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? "