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> Accident 101: i teach u claim loss of use

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teikboon
post Jun 26 2019, 05:56 PM

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QUOTE(saigetsu @ Jun 26 2019, 12:53 PM)
He made a police report, claiming against your insurance for bodily injury. If no insurance, then no need to make police report la.
Bye bye to ur ncd.
*
walao sound so unfair
Milk_MilkzZzz
post Jul 4 2019, 09:19 PM

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Hi all sifu, my car has been bang by a car @ End of May.
Claim his insurance and sent to workshop for a week,
after that workshop ask me courier the document to his insurance copy(AIG) to claim loss of use,
about 1 month liao but no reply at all, how suppose the procedure work?
TSsaigetsu
post Jul 5 2019, 12:47 AM

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QUOTE(Milk_MilkzZzz @ Jul 4 2019, 09:19 PM)
Hi all sifu, my car has been bang by a car @ End of May.
Claim his insurance and sent to workshop for a week,
after that workshop ask me courier the document to his insurance copy(AIG) to claim loss of use,
about 1 month liao but no reply at all, how suppose the procedure work?
*
Follow up je. Call aig complaint
benji
post Jul 5 2019, 12:30 PM

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Car got bang in fasting month. Done police report and confirm not my fault. Send to panel for repair n done. Now want to do lou claim. By the time send repair, another party insurance is aig. Then yesterday the panel help prepare the lou claim document, i notice the other person change the insurance already. Will it be any hassle doing the lou claim at the previous insurance company?
juvaan
post Jul 12 2019, 07:26 PM

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I have a situation.

My wife's car got hit from behind. Minor dent.

The guy who hit was not owner.. driving his uncles car.

The uncle came to the scene of accident.. he had walkie talkie in his hand. we Took pictures and phone number but the guys refused to share IC and license. Die die say number plate is enough. And when my wife asked again he became aggressive and shoved the IC in her face and warned her "only for you to see, happy now?"

He said will settle if affordable if not asked us to claim insurance. He even asked us to go to his own workshop in batu caves to fix the car. Make it sound almost like they are syndicate in PJ to cause accident and generate business for his workshop.

Now I'm worried we cant claim the insurance since the owner and the driver is different. What if the car has no 3rd party insurance?

How is the best way to resolve this? We otw to police station to make report.
Xanelyne
post Jul 15 2019, 09:27 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.
What is OD kfk?
What is langsi?
*
asd
TSsaigetsu
post Jul 15 2019, 10:23 AM

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QUOTE(juvaan @ Jul 12 2019, 07:26 PM)
I have a situation.

My wife's car got hit from behind. Minor dent.

The guy who hit was not owner.. driving his uncles car.

The uncle came to the scene of accident.. he had walkie talkie in his hand. we Took pictures and phone number but the guys refused to share IC and license. Die die say number plate is enough. And when my wife asked again he became aggressive and shoved the IC in her face and warned her "only for you to see, happy now?"

He said will settle if affordable if not asked us to claim insurance. He even asked us to go to his own workshop in batu caves to fix the car. Make it sound almost like they are syndicate in PJ to cause accident and generate business for his workshop.

Now I'm worried we cant claim the insurance since the owner and the driver is different. What if the car has no 3rd party insurance?

How is the best way to resolve this? We otw to police station to make report.
*
u need him to make the police report as well. or else claims third party insurance.

if he has no insurance. you have no choice to to his workshop lor. pity u
TSsaigetsu
post Jul 15 2019, 10:24 AM

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QUOTE(benji @ Jul 5 2019, 12:30 PM)
Car got bang in fasting month. Done police report and confirm not my fault. Send to panel for repair n done. Now want to do lou claim. By the time send repair, another party insurance is aig. Then yesterday the panel help prepare the lou claim document, i notice the other person change the insurance already. Will it be any hassle doing the lou claim at the previous insurance company?
*
the insurance company which provided the coverage during the accident will have to bear the lou.

no worries.
juvaan
post Jul 15 2019, 11:07 AM

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QUOTE(saigetsu @ Jul 15 2019, 10:23 AM)
u need him to make the police report as well. or else claims third party insurance.

if he has no insurance. you have no choice to to his workshop lor. pity u
*
thanks for your advice, we managed to settle without claim insurance
d-realm
post Jul 15 2019, 12:46 PM

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can i know the mean of under insured charge?

my father car kena bang from behind 2 weeks ago.

both side made police report.

sent to workshop. police report n investigation done. other party fault

today workshop call say i have to pay rm1k+.. say under-insured charge.

i thought kena langgar is claim other pparty insurans?
benji
post Jul 15 2019, 09:27 PM

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QUOTE(saigetsu @ Jul 15 2019, 10:24 AM)
the insurance company which provided the coverage during the accident will have to bear the lou.

no worries.
*
Thanks mate
TSsaigetsu
post Jul 16 2019, 09:51 AM

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QUOTE(d-realm @ Jul 15 2019, 12:46 PM)
can i know the mean of under insured charge?

my father car kena bang from behind 2 weeks ago.

both side made police report.

sent to workshop. police report n investigation done. other party fault

today workshop call say i have to pay rm1k+.. say under-insured charge.

i thought kena langgar is claim other pparty insurans?
*
call your insurance company. tell them what happened.

Say to workshop go claim from insurance company of the culprit.

you are right.
d-realm
post Jul 16 2019, 12:25 PM

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QUOTE(saigetsu @ Jul 16 2019, 09:51 AM)
call your insurance company. tell them what happened.

Say to workshop go claim from insurance company of the culprit.

you are right.
*
thanks, its a misunderstand. they claim OD kfk(perodua) not claim 3rd party.

need pay 1k+ but can claim according to them. my father car under insured.
TSsaigetsu
post Jul 16 2019, 01:29 PM

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QUOTE(d-realm @ Jul 16 2019, 12:25 PM)
thanks, its a misunderstand. they claim OD kfk(perodua) not claim 3rd party.

need pay 1k+ but can claim according to them. my father car under insured.
*
i see. ok u have to claim seperately by your self or they will help?
d-realm
post Jul 16 2019, 08:27 PM

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QUOTE(saigetsu @ Jul 16 2019, 01:29 PM)
i see. ok u have to claim seperately by your self or they will help?
*
not sure. perodua workshop just ask me pay rm1k during collection. n claim back later.


TSsaigetsu
post Jul 17 2019, 11:55 AM

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QUOTE(d-realm @ Jul 16 2019, 08:27 PM)
not sure. perodua workshop just ask me pay rm1k during collection. n claim back later.
*
so what is the procedure to claim back
SGSuser
post Jul 19 2019, 06:33 PM

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Car got banged at the back 2 days ago...bumper need change and also bonet need ketuk back...sent to authorised body shop, say will claim OD knock for knock first then reimburse back from the wrong party's insurance

But still expect around 1.5 months for car to be serviced completely

Is that the proper procedure?
TSsaigetsu
post Jul 19 2019, 11:43 PM

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QUOTE(SGSuser @ Jul 19 2019, 06:33 PM)
Car got banged at the back 2 days ago...bumper need change and also bonet need ketuk back...sent to authorised body shop, say will claim OD knock for knock first then reimburse back from the wrong party's insurance

But still expect around 1.5 months for car to be serviced completely

Is that the proper procedure?
*
that is some f up explanation..

theres no such thngs as claims from the culprit's insurer.

Third party claim = go to any workshop, workshop appoint adjuster and lawyer, claim repair cost laywer fees adjuster fees from third party insurer. then third party insurer will assess and ask permission from YOUR insurance to pay the agreed amount. YOUR insurance give clearance, third party will pay the workshop laywer adjuster fees. Then third party insurer will ask YOUR insurer to reimburse back to them. NCD not affected.

OD KFK = go to panel workshop, YOUR insurance appoint adjuster, assess and approved repair. once repaired, YOUR insurance pay adjuster workshop. thats it. NCD not affected. process is simpler. hence faster.


SGSuser
post Jul 20 2019, 12:43 AM

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QUOTE(saigetsu @ Jul 19 2019, 11:43 PM)
that is some f up explanation..

theres no such thngs as claims from the culprit's insurer.

Third party claim = go to any workshop, workshop appoint adjuster and lawyer, claim repair cost laywer fees adjuster fees from third party insurer. then third party insurer will assess and ask permission from YOUR insurance to pay the agreed amount. YOUR insurance give clearance, third party will pay the workshop laywer adjuster fees. Then third party insurer will ask YOUR insurer to reimburse back to them. NCD not affected.

OD KFK = go to panel workshop, YOUR insurance appoint adjuster, assess and approved repair. once repaired, YOUR insurance pay adjuster workshop. thats it. NCD not affected. process is simpler. hence faster.
*
i guess its the bolded one...bt i really got a fked up explanation by advisor...so the only thg i cn claim is LoU from their insurer?
TSsaigetsu
post Jul 21 2019, 11:01 AM

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QUOTE(SGSuser @ Jul 20 2019, 12:43 AM)
i guess its the bolded one...bt i really got a fked up explanation by advisor...so the only thg i cn claim is LoU from their insurer?
*
Thats right

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