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> Accident 101: i teach u claim loss of use

saigetsu
post Oct 1 2014, 09:59 AM, updated 6d ago

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Whenever people bang u.
1. u can claim OD kfk (own damage knock for knock)- preferable, ncd wont loose, faster, less hassle
2. u can claim third party against langsi - ncd wont loose, slower claims process, more hassle, u might getting less that what uve paid.

Y? im lazy to explain.

whenever your car at workshop for repair, u cannot use your car. but u can claim loss of use as u unable to use your car.

LOSS OF USE (LOU) claims a.k.a Compenssation assessed repair time (CART)

1. u can only claim from third party insurance. ask your agent.
2. For case no.1 above, after u make claim from your own insurance under ODKFK, u have to claim against 3rd party for LOU. a bit hassle
3. For case no.2 above, u claim one shot lah since u claim from third party anyway.

Scale of Compensation for Assessed Repair Time (CART)

Vehicle Type
Private Use Vehicles
Up to 1500 cc - RM 30
Above 1500 cc up to 2000 cc - RM 40
Above 2000 cc - RM 50

Motorcycles
Up to 250 cc - RM10
Above 250 cc - RM15

Terms and Conditions
1. The above scale defines the minimum amount payable by third party insurers for
CART claims where the claimant is unable to produce satisfactory documentary
evidence, receipts, etc. to support his/her claim for CART.

2. In cases where receipts can be produced for vehicle rentals, insurers shall pay
the amount shown in the original receipts
and original car rental agreement
subject to the principle of indemnity and subject always that the claimant shall
only be entitled to the rental of a vehicle of an equivalent nature to the damaged
vehicle. Such rental must be only from a rental agency/company duly registered
and licensed by the relevant authority.


3. The number of days for computation of CART shall be based on the independent
loss adjuster’s recommendation on the number of days for repair
of the damaged
vehicle subject to the insurers’ discretion to apply an additional seven working
days grace period for unforeseen delays.

http://imgur.com/5AxuEVq
no.3 is the tricky part, coz adjuster u know lah...

sekian. Thank you

This post has been edited by saigetsu: Dec 29 2015, 02:44 PM
2feidei
post Oct 1 2014, 10:05 AM

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Good info. thumbup.gif

But need further clarification/ explanation on layman term, not everyone in /k is expert like u

What is different between 1 and 2.
What is OD kfk?
What is langsi?

saigetsu
post Oct 1 2014, 10:07 AM

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QUOTE(2feidei @ Oct 1 2014, 10:05 AM)
Good info.  thumbup.gif

But need further clarification/ explanation on layman term, not everyone in /k is expert like u

What is different between 1 and 2. - which 1 and 2?
What is OD kfk? own damage knock for knock - its a term anyway where u claimed from your own insurance
What is langsi? - people who bang u lah... sorry if langsi got diff meaning
*
vearn29
post Oct 1 2014, 10:08 AM

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thanks for info
AceKendy
post Oct 1 2014, 10:09 AM

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U forgot to note that all these claims only work if the 3rd party reported the case as well.

If hit and run without a proper police report. You can makan sendiri.
2feidei
post Oct 1 2014, 10:11 AM

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QUOTE(saigetsu @ Oct 1 2014, 10:07 AM)

*
Tenkiu....your point on 1 and 2. Anyway, you already answered.

OD kfk - you claim your own insurance and still not lost NCD. Wow....something new I learned. Thank you

Further question, OD kfk - can elaborate more? Ppl bang me, I claim my own insurance, and at same time I won't lost my NCD. Then, don't my insurance company disagree? Not my fault, or I mean the insurance co issue, but they have to pay for me, while the insurance for the person who bang me no need pay anything?
EdBaaBaa
post Oct 1 2014, 10:13 AM

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Terima kasih TS
KepliCorn Inc
post Oct 1 2014, 10:14 AM

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TQ BRO
DarkNite
post Oct 1 2014, 10:18 AM

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if I knock the other vehicle, can still claim how?

This post has been edited by DarkNite: Oct 1 2014, 10:20 AM
saigetsu
post Oct 1 2014, 10:18 AM

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QUOTE(2feidei @ Oct 1 2014, 10:11 AM)
Tenkiu....your point on 1 and 2. Anyway, you already answered.

OD kfk - you claim your own insurance and still not lost NCD. Wow....something new I learned. Thank you

Further question, OD kfk - can elaborate more? Ppl bang me, I claim my own insurance, and at same time I won't lost my NCD. Then, don't my insurance company disagree? Not my fault, or I mean the insurance co issue, but they have to pay for me, while the insurance for the person who bang me no need pay anything?
*
there is a condition for od kfk. if people bang u is comprehensive policy, u can claim od kfk. insurance company legally must agree. but u must know the type of cover of the people bang u lah.

if people bang u only have third party policy, then u have no choice but option 2.


saigetsu
post Oct 1 2014, 10:20 AM

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QUOTE(AceKendy @ Oct 1 2014, 10:09 AM)
U forgot to note that all these claims only work if the 3rd party reported the case as well.

If hit and run without a proper police report. You can makan sendiri.
*
if hit and run, make sure first thing u know the plate number. once u know the plate number u still can claim but a bit hassle.

have to go to commisioner of oath ckp this plate number car hit me and run away. then u can proceed claim third party against insurers of this langsi people.
2feidei
post Oct 1 2014, 10:20 AM

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QUOTE(saigetsu @ Oct 1 2014, 10:18 AM)
there is a condition for od kfk. if people bang u is comprehensive policy, u can claim od kfk. insurance company legally must agree. but u must know the type of cover of the people bang u lah.

if people bang u only have third party policy, then u have no choice but option 2.
*
OIC...once again. Thank you TS notworthy.gif notworthy.gif notworthy.gif thumbup.gif thumbup.gif thumbup.gif
saigetsu
post Oct 1 2014, 10:21 AM

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QUOTE(DarkNite @ Oct 1 2014, 10:18 AM)
if I knock the other vehicle, can still claim how?
*
x faham... details sket.
barista
post Oct 1 2014, 10:23 AM

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I recently got bang in a pile up. Car behind got hit and the car moved forward and hit mine sad.gif
When we went to report, the last car did not report yet. We both want to claim from the last car.
What happens if the car did not report? I don't know whether the stupid driver reported or not. I have got my police report and calling the elevator to access my 1 month old car sad.gif

This post has been edited by barista: Oct 1 2014, 10:23 AM
BigSaver
post Oct 1 2014, 10:23 AM

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How about we bang ppl for their own mistake? Malaysian SOP i believe whoever hit us from back is consider already wrong.

Pernah involved in one excident at federal. It's a LADY bwk motor xreti bagi signal and look for any incoming vehicle. Instead compensate, her brother threaten me to report and accuse me for hitting from back.

How??
ZzZzz...
post Oct 1 2014, 10:24 AM

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TS, how if my car park at there, and kena hit and run by someone, can claim wat? with no NCD void?
TunaFish1990
post Oct 1 2014, 10:25 AM

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Good info on the CART! Never thought about that...
WaCKy-Angel
post Oct 1 2014, 10:26 AM

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Ayam abit confiused...

This is my case.

Met accident and reported police 1 hour after that on the same day.
Bring car to shop and claim OD-KFK, fixed and out shop after 1 week.
Waited 2 weeks for keputusan but police say not yet out due to 3rd party no report.
The sergeant doesnt seems to be helpful...keputusan still pending until now due to im at KL, reported at BTW.

My NCD still not affected although i have not submitted keputusan (special case)

So will i am to claim LOU?
If yes, will my insurance company kao tim for me or i ownself have to do it?
If ownself, how?

minionbanana
post Oct 1 2014, 10:27 AM

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QUOTE(saigetsu @ Oct 1 2014, 10:20 AM)
if hit and run, make sure first thing u know the plate number. once u know the plate number u still can claim but a bit hassle.

have to go to commisioner of oath ckp this plate number car hit me and run away. then u can proceed claim third party against insurers of this langsi people.
*
i parking my car liao kena hit n run.dunno who dunno when..zz
Pugface
post Oct 1 2014, 10:29 AM

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thx bro

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