Hi guys and sifu sekalian,
I had an accident, hitting  an abandoned lorry tyre  on MRR2.
I had comprehensive policy on a 13 yearold car, OAC

So I called a tow truck with the insurance company, picked up my car and sent to a panel workshop in selayang. It was 4 am in the morning.

Then i made a police report at trafik police station at 4 pm later that day, met with sargant, and he wanted to see the car himself.
The towtruck fellow say he will settle with him, and will submit claims on my behalf.

So right now, I have just received sms from insurance company that they have received the claims and working on it.

My question is, how do i make sure/confirm, the claim is a No-Fault claim or not?
I have called the insurance office, and they keep saying they will settle and no worry without giving me answers.

Thanks.

Hi,

Need advise, my car was hit by a langsi big car bmw. The damage is tiny, hit my right back bumper and it got scratch and paint is peel off.

He asked me to report police and which i  did. The sergent said cannot claim his insurance since the damage is so little.

So what else can i do to teach this langsi?

Caught up in minor accident last night.

U know those straight stretch of road with 2 lanes, and there will be traffic light for right lane car to turn right to the junction. See below 2 images





So I'm A and the other guy B. The B lane is going straight only lane, but my lane is either go straight or turn right lane, but usually ppl will turn right there.

Few of the cars in front of me turn right, but i'm going straight and this B car came in from left lane to turn to right into the junction and then I hit his car. My car damage was left front bumper and his car right back bumper.

Additional info, he did gave signal though and i'm unsure if my lane is turn right only or both go straight or turn right, but my instinct told me is the latter.
He said that i never gave signal but i'm going straight, what signal should i gave? And i told him that his lane can't turn right, no way i can see him even he gave signal.

So questions are:
1) Sarahan who? Me? Him? Or both of us sarah?
2) Can I lipot polis after 24 hours as we discussing on settle outside
3) If i lipot, who polis will think salah? Since was me hitting his butt and there was no proof that he made that turn at the lane that not supposed to turn, as we always heard in msia, no matter what u did, whoever hit ppl behind is the one salah lol

Any advise?

okok bro, will contact my insurance agent asap.
becoz the B driver wan to settle..

but if report won't polis said i'm the 1 salah since i hit his butt?

Received DV then I signed back with setem hasil, after 14 days no money received then I call back they say need to sign new DV and they sent me via email PDF, now another 14 days passed I still yet to receive my claims.

*Liberty insurance, as sucks as the insured party.
The insurer crashed into my back of my car then come down threaten want to beat me, now insurance don't want to pay loss of use.

Hi saigetsu

I was hit by a car driven by a group of teenage/early-20's boys speeding in opposite direction in Mid Valley mall car park.

They refused to provide any sort of information, IC, phone no. License, car insurance, etc. But they are okay to follow me to police station to make report. So they have license. They verbally admitted that it was their mistake but I have no idea if they told the Sargent a different story later.

Anyway, I was told (not by the police) that car insurance does not cover accidents that took place in shopping mall car park. This came as a shock to me. I went home and read my car insurance policy and it didn't mention any such exclusion.

Can you enlighten me please? What would be my best option now? Thanks in advance.

Thank you so much saigetsu. The guy does have driving license. Just doesn't wanna show me. He let the car park manager snap a picture of his driving license last night. I think I can ask the manager for it.

Also from their conversation, it is their car (one of the boys anyway). With this, my best bet is to wait ya?

Is it possible to send to the authorized workshop (VW) instead? The panel workshop outside usually use fake parts right? Sorry I think I should be asking my insurer instead. Thanks again.

how to know people insurance company?

see in many highway

if 5 car involve
one car hit another,
so the remaining 4 car claim on the fault car or
the first car claim on the second car
second claim third
third claim fourth?

I have submitted LOU claim for an accident , how long should it be? It has been 1.5 month, but not yet receive any call/payment.tq

I need help,

I just got banged from behind exiting from mall car park toward main road, the guy drove away immediately. Lucky enough I manage to get the his car plate.

I already made a police report, the police ask me to wait 24 hours and call them back.

What else I should do to claim insurance to fix my car?

Police suggest I should go fix it myself or claim my insurance.

ADD: My car is only 4 months old, the back bumper cracked and number plate fall off.

The police told me if the guy did not make any police report, nothing much they can do.

How come the guy can get away just like this?

I just called police station ask report update, they told me I need to buy the police report and wait 14 days for keputusan. I don't quite get it why need to wait keputusan. 

How do I claim his or my insurance so I can fix my car as soon as possible.

I understood now.

I don't mind to lose my NCD to fix my car, I am just not happy that the guy banged my car and ran away just like nothing happened.

Just called my insurance company, they told me to drive to their authorized workshop ASAP.

If the police investivation outcome said the guy at fault, I can claim insurance without losing NCD.

if my fault, NCD forfeited.

Hopefully I understand correctly.

I think I will claim my own insurance and lose my NCD to avoid the hassle.

Even the sergeant suggest me to repair with my own money. 

The sergeant said "Kalau tu orang tak buat polis report, tak boleh buat apa-apa juge, baik u pergi repair tak payeh claim insurance, nanti NCD jadi kosong"

I guess maybe the sergeant is too tired to entertain me at mid night.

Hi again sifus,

Got an advice from BNM Link to approach the insurance company. I communicate with them via phone calls and emails.

The insurance company had sort of 're-looked' into my case but then insisted me to provide them with enough documents, especially medical history, etc...
I couldn't produce any docs on medical but insisted that my family and i had several visits to traditional health/medical practitioners of some sort (i.e dukun/bomoh/sinsei - not legit registered, of course).

Failing to fulfil their request promptly, they called me up to offer me some 'meagre' amount of compensation - just a couple of thousand for the worst nightmare of our lives (we had experience the worst accident that no word could describe). The insurance co seems ignorant to the fact that any accident is traumatic and very stressfull. To us, the trauma is unpayable with money.

When i asked the insurance, what is the role/commitment of the offending bus company, they didn't give me the answer. I am holding them as trying to settle with me on their own part and leaving the company 'untouchable'. At least the 'offending' company call me up or provide me with a line of their response.

Now, like i said earlier they made an offer to compensate us for a couple of thousand but i haven't responded yet.

I am still seeking ur advice - is it wrong for me to ask for the compensation to be raised? Beneath the raise request, i put up an example which sounds something like this - "If i am to offer somebody tens of thousand of ringgit, and then make him stand in the middle of the road to let me knock him down, will he 'agree'? No, definitely not. Thus i am asking for an increase - use something like "budibicara" and "perikemanusiaan... etc...etc... and not merely relying on the book in considering an amount of compensation..." (I haven't engaged any legal yet, as i am afraid the legal guy would demand a high legal fee). If it's OK for me to ask for a higher compensation, then i'll reply to the insurance company offer.

Please advise further, bros n sis, n thank you very much.

i got my keputusan on 28 Dec 2016...accident on 1 Dec 2016..till now the workshop has not called me to bring my car to fix...already 2 months now...insurance already approved the claim..workshop delays me..said not yet get the parts...wtf..

Guys, just a quick talk over here.

Some time ago, this lady banged into my car. She refused to pay compensation without doing police report although she was in the wrong (banged my car while the traffic light is red).

So I kind of being very stern that if you do not pay up the compensation, we go to the police station. So I went separately to the police station and also told her to go there ASAP. Now both of us done the police report but she REFUSES to give the report from her to claim the insurance loss from her side. What am I going to do? Should we just sue her, she banged my favourite car and yet she can get away with this? Is there another way to claim the report?

Now I'm having sleepless nights over this, will appreciate the prompt reply.

i wonder why the insurance company/agent do not publish this information. or maybe im just blind when looking at their website

hi TS, it is me again. the accident v motorbike. report in favor on me but insurance said under section 52(2) cannot claim except deduct ncd.