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 Accident 101: i teach u claim loss of use

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TSsaigetsu
post Dec 6 2016, 04:34 PM

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QUOTE(michaelangelo @ Dec 6 2016, 03:08 PM)
Ok I called the workshop and they told me in order to claim the 3rd party.. need the keputusan but that one need to wait about 2 weeks. Do they proceed to repair my car first and claim od Kfk ?
I haven't collected my police report.. dun wanna go there so many times.. anyone with experience in collecting the keputusan +reports? Is it really 2 weeks?
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Own damage and third party is 2 diff thing.

Own damage - u claim your own insured. In this case. knock for knock or KFK coz all kereta affected are first party cover(comprehensive) cover.
Third party - u claim from third party insurance la.

But doesnt matter. it doesnt concern u, only concerns between insurance companies.

So your workshop wanna claim third party- so be it. thus, this is not od kfk. both claims wont affect your ncd. if you have to collect police report for the workshop to submit third party claim. if the workshop say no need, please expect

1. they will do everything from you, and in return, they will songlap the loss of use claim. to cover their exp to bayar polis, minyak to collect police report.
2. POTENTIAL slightly delay in your repair process because third party insurance mesti die2 want to see keputusan stating that their insured at fault. actually behind the scene, if workshop confirm know that u r not at fault, they will repair straight away.



TSsaigetsu
post Dec 6 2016, 09:08 PM

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QUOTE(michaelangelo @ Dec 6 2016, 05:01 PM)
Actually they will fix it under od kfk first. Then when keputusan out, they will upload the keputusan+photos to the claim system in order to process the claim. My workshop dun do for me the police thingy. Ask me to go collect the keputusan and give to them.The loss of use also need to submit myself, they will provide the forms, documents etc.
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Haa then good lor. Prepare some money to pay police for the keputusan and stuff. Last time they asked me rm60 no receipt. Feel macam kena tipu
TSsaigetsu
post Dec 7 2016, 12:03 AM

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QUOTE(michaelangelo @ Dec 6 2016, 09:25 PM)
how much should we pay for the keputusan?shouldn't it be a fixed amount..?
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My fren didnt pay a thing. I paid rm60. Lets found out yours then.
TSsaigetsu
post Dec 16 2016, 09:53 PM

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QUOTE(newsreadr7 @ Dec 16 2016, 09:17 PM)
My car got accident with a bus sometimes in 2012. Yes, that was years ago. We were travelling on a rather straight stretch, when suddenly the approaching bus from the opposite direction served into my lane. Managed to hit my brakes but it was too close. Hit the bus front left wheel but damage to my car was very bad. Totally crumpled. Engine got off of its mountings, etc...

My family got light injuries, and was discharged the same evening.

Made police report the same evening then called the bus company to discuss about insurance.

As it was the bus driver's fault to swerve the bus into my lane, i insisted that the repair to my damage car be paid by the bus company. The bus company manager agreed but the repair work might get delayed. If i don't want any delay, the repair work should be covered by my own insurance. Meaning i have to 'rugi' first. I want 'fast' repair, as i badly need the car again, so i followed the manager's words. When all was done (after 6 months of repair) i got my car back and receive an offer from my insurance, offering to 'compensate' my 'loss' for about RM1k ++. I didn't accept the insurance company offer, with the hope that it's not an end to my unattended demand.

Now my insurance NCD is 100% and the bus company is silent, probably hoping that I'm content with the 'hassles'.

I would like to know whether I can still make a claim from the bus company after a long period of silent? Please enlighten me
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Dont think u can... U should claim bro... Not only u can claim for ur car... Ur injury oso can.. Coz of the repair u made, u dont have any more proof. Maybe u can seek legal advice.
TSsaigetsu
post Dec 17 2016, 08:11 AM

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QUOTE(newsreadr7 @ Dec 16 2016, 10:30 PM)
Thanks for the advice bro. But i haven't engage any thing legal yet, rather than calling up the bus company. Still refraining myself engaging legal because it might be expensive.
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If u win bus insutance company will pay. Just briefly ask lawyer first can win or not... Coz the bus is party at fault.


But if u want a free advice... Complaint to bnm LINK.
TSsaigetsu
post Dec 17 2016, 08:12 AM

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QUOTE(newsreadr7 @ Dec 16 2016, 10:30 PM)
Thanks for the advice bro. But i haven't engage any thing legal yet, rather than calling up the bus company. Still refraining myself engaging legal because it might be expensive.
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If u win bus insutance company will pay. Just briefly ask lawyer first can win or not... Coz the bus is party at fault.


But if u want a free advice... Complaint to bnm LINK.
TSsaigetsu
post Dec 21 2016, 11:07 AM

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QUOTE(yvonnesoo @ Dec 21 2016, 10:12 AM)
the third party insurance only provide me 4 days of lou mentioning that my insurance adjuster stated the repair only took 4 days however my car was in the workshop for more than 2 weeks. after i argue with the third party insurance, they only add in additional 4 days. so total only 8 days. is this acceptable? i haven't sign the document to accept the offer yet. is there any way for me to fight for it?
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Acceptable. Bnm said limited to what adjuster said. Again adjuster should be independent...
TSsaigetsu
post Dec 25 2016, 10:07 PM

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QUOTE(sundae @ Dec 25 2016, 08:59 PM)
Was involved in accident
a) I have reported police but the other party did not report to police
b) Police result was in my favor, which I have used to retrieved the other party's insurance information
c) I claimed his insurance but was rejected because the other party did not make the police report

What options do I have to pursue this case? The other party is basically a company car, driven by I think the owner's spoiled son and I want to teach them a lesson because of their bad attitude.
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Can.. Go find pesuruh jaya sumpah. Make statutory declaration that the other party at fault.. Then use the doc to claim the other party insurance... Supported with supporting docs.
TSsaigetsu
post Dec 27 2016, 01:25 PM

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QUOTE(iwubpreve @ Dec 27 2016, 01:03 PM)
bro, having accident with motorbike. so police report in favor of me but insurance agent said that odkpk also will deduct the ncd. how ar?
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Odkfk mmg x boleh for motorcycle if im not mistaken. Go claim third party lor. Ncd not affected.
TSsaigetsu
post Dec 27 2016, 04:15 PM

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QUOTE(iwubpreve @ Dec 27 2016, 03:15 PM)
3rd party under what? odn?
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third party normal third party lor. u claim against his insurance.

go to workshop say u wanna make third party claim.
TSsaigetsu
post Dec 29 2016, 08:55 AM

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QUOTE(c-lan^666 @ Dec 28 2016, 09:52 PM)
Hi All,

Need some advise on this topic:

An idiot came n knock my car at the back and my behind bumper together with my sport rim broken. Is there any recommendation for the following:

1.Any good workshop near Seri Kembangan that covers Liberty Insurance? Or any recommendation with good review ?
2.Is there any chance for me to negotiate to claim the 3rd party insurance to change all my sport rim since i can never find one rim to replace and the insurance company will give money only to replace back the stock rim & tyre?

Please give me some suggestion what I can do. I am waiting for the keputusan from the IO to come out. He mentioned that it will take 2 weeks. So I have time to investigate all this.

Thanks in advance.
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1. u can always complaint if the panel workshop is lousy.
2. not sure this one. probably can.
TSsaigetsu
post Dec 30 2016, 11:58 PM

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QUOTE(Icona Pop @ Dec 30 2016, 05:06 PM)
Hi, car got knocked down and sent to SC for repair. due to the sc delay, it took nearly 3 weeks for me to get back my car. So right now i get letter from insurance company stating i only can claim 5 days.. (rm30 x 5).  anyone can help??

then for the police report  I only got a receipt of RM8 but the picture report cost around rm20++  but police never issue any receipt.. What should I do?
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Based on bank negara rules.. if adjuster say your car shoykd be repair in 5 days... Then u get 5 days only lor.


But there is one ktard fight kaw2 with insurance company writing letter to ceo or durector or somethjnv.. he got extda days a bit. Mind mg typo coz not used to 4.7 inch ohone.


Therrs nithinv u can do for q 2. Ask recript for what?
TSsaigetsu
post Dec 31 2016, 12:00 AM

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QUOTE(c-lan^666 @ Dec 29 2016, 09:58 PM)
Thank you for the reply. It looks like i wont be able to claim for the sport rim and they will allow me only to claim the original stock rim. This is so unfair in my opinion. Someone else bang my car and I have to bear the cost of changing my rim.
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If u rajin.. go make a fuss at financial mediation biro, customer sided one. They can force insurance comoany to pay uo to 40k... Go go and update here.
TSsaigetsu
post Jan 2 2017, 09:32 AM

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QUOTE(Icona Pop @ Jan 2 2017, 12:51 AM)
So now the rm20++ given to the police for the report in order to release the car will not be claimable to me since there's is no receipt given by police?
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Mmg cannot. Got receiot or no receipt x boleh clain
TSsaigetsu
post Jan 2 2017, 09:37 AM

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QUOTE(v1n0d @ Jan 2 2017, 01:39 AM)
saigetsu please advise on the following:

I had an accident earlier today where I knocked the car in front of me. Both of us have made a police report at the station. Took photos of the damage, collected my summons as I was the offending party. Since it's a public holiday, the officer informed us that we can only come to collect our stamped report copies on Tuesday.

1. Must I send my car for repairs only at a panel workshop to be able to claim? Is there an option for me to send it to the authorized car dealer I purchased and service the car at?
2. Am I able to proceed with the claims process with the current report I have in hand (signed, but not stamped)? Do I have to do all the running around, or can I just hand over to the workshop and let the agent handle it?

Thanks in advance.
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1. Yes. If u lucky panel is the service centre. Can check at website if the insuranxce. U can try your luck deal with insurance company. This is for quality n cost control.

But even with panel, ull get genuine

2. Depends on your luck. Since this is your fault. Its unlikely. U can ask workshop do it for u for a small duit upah. Mine rm 60 la that runner offer me.



TSsaigetsu
post Jan 2 2017, 09:49 AM

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QUOTE(v1n0d @ Jan 2 2017, 09:40 AM)
Alright thank you. Car is still under warranty, so I've been advised to only get it repaired at an authorized center. Will call my insurer again to find if there are any which are panel.
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If can pls let us know ok. Tq
TSsaigetsu
post Jan 2 2017, 12:46 PM

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QUOTE(a13solut3 @ Jan 2 2017, 11:20 AM)
My case susah.

Need advise.

My car kena bang n knock by motor rempit which most probably trying to rob me.

Now I claim insurance with the police report but

1) the plate number use by motor is fake number
2) obviously another party does not make police report

The problem now is workshop panel say most probably I'll lose NCD as regardless it's my fault or not as my report stated that another party is using motor.

Is that correct statement by them?
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Yes n no. Yes ull lose ncd not because the third party using mtorbike, but more on the other party using fake number. U cannot claim from legitimate rider. U will be safe if the ofher party make police report using real plate number. Pls update us ur development

But your workship is right if, the rider using legit motorcycle... And that rider injured. Once rider injured, regardless his fault, court will say ur fault ada jugak contribute to accident so u must pay the injury. Thus ur ncd burn

TSsaigetsu
post Jan 3 2017, 02:12 PM

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QUOTE(CoffeeDude @ Jan 3 2017, 01:29 PM)
Does Etiqa Takaful still give 10% discount on insurance premiums?
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ALL insurance and takaful give 10% discount if you buy motor insurance/takaful online or direct branch.
TSsaigetsu
post Jan 4 2017, 10:14 PM

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QUOTE(Qooohqoo @ Jan 4 2017, 07:04 PM)
What if someone knocks you and admits it (damage very bad) but you don't have license? Can report?
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Can report... U kena saman. Insurnace can claim coz not ur fault.
TSsaigetsu
post Jan 6 2017, 07:15 AM

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QUOTE(v1n0d @ Jan 6 2017, 06:11 AM)
saigetsu am I eligible to claim loss of use?
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Since its your fault, no. But if u extend your coverage to cover yourself for loss of use in the event u are party at fault yes. The cover is called compesation against repair time. Or cart. Go call your insurnace see u bought or not.

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