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> Accident 101: i teach u claim loss of use

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KOHTT
post Jul 21 2019, 10:19 PM

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if the accident is only minor damage, then it is best to settle on the spot ie ask the other party to pay the damage upfront. But there is also a risk that tre workshop may charge us more than what we ask for later.

If the damage is more serious one, then go ahead to report to police and claim insurance. I personally find that insurance claiming process is pretty lengthy and take out some of personal time. And it need both parties to make police report.

Kindly comment if I am wrong. There is pro and cons on both approaches.
de_ghost
post Aug 4 2019, 06:37 PM

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Hi all, i just got an accident. I try to turn to left then giv signal. Then suddenly as i am preparing to make my turn one motor come bang me to my left. Got hit on my front left door. Already made polis report. The motor also do polis report. Problem now is his motor no road tax. And the sargent say looks like the fault more heavy on me. Question is for this kind of case can still go for od-kfk. Or my ncd will gg
TSsaigetsu
post Aug 4 2019, 08:46 PM

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QUOTE(de_ghost @ Aug 4 2019, 06:37 PM)
Hi all, i just got an accident. I try to turn to left then giv signal. Then suddenly as i am preparing to make my turn one motor come bang me to my left. Got hit on my front left door. Already made polis report. The motor also do polis report. Problem now is his motor no road tax. And the sargent say looks like the fault more heavy on me. Question is for this kind of case can still go for od-kfk. Or my ncd will gg
*
No roadtax still insurance can cover if got cover. I doubt so la he has insurance.

Still got hope if police blame the motorcycle. So ncd will be saved. But if ur fault. Then gg ur ncd
de_ghost
post Aug 4 2019, 08:54 PM

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QUOTE(saigetsu @ Aug 4 2019, 08:46 PM)
No roadtax still insurance can cover if got cover. I doubt so la he has insurance.

Still got hope if police blame the motorcycle. So ncd will be saved. But if ur fault. Then gg ur ncd
*
Noted thanks for the input. So i dont hv to wait for keputusan and straight go to my car sc?
TSsaigetsu
post Aug 4 2019, 11:22 PM

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QUOTE(de_ghost @ Aug 4 2019, 08:54 PM)
Noted thanks for the input. So i dont hv to wait for keputusan and straight go to my car sc?
*
Yea. If let say unfound out that the police blame the motorcycle, u give the keputusan to your insurance Co. They will reinstate ur ncd
digidigi
post Aug 6 2019, 11:19 PM

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QUOTE(saigetsu @ Aug 4 2019, 11:22 PM)
Yea. If let say unfound out that the police blame the motorcycle, u give the keputusan to your insurance Co. They will reinstate ur ncd
*
hi, my car hit by a car from behind, I did take down photo roadtax and make polis report, what if she din make polis report, can I still able to claim from her insurance ? Thank s
TSsaigetsu
post Aug 7 2019, 04:19 AM

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QUOTE(digidigi @ Aug 6 2019, 11:19 PM)
hi, my car hit by a car from behind, I did take down photo roadtax and make polis report, what if she din make polis report, can I still able to claim from her insurance ? Thank s
*
Can. But more hassle
digidigi
post Aug 7 2019, 09:32 AM

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QUOTE(saigetsu @ Aug 7 2019, 04:19 AM)
Can. But more hassle
*
Can share what is the procedure ?
TSsaigetsu
post Aug 7 2019, 11:25 AM

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now go to any workshop, ask them ibthey do third party claims. if yes good.
then u go to jpj, ask who is the insurer of that car. Hav to pay rm10 kot. or call that person asked him what insurance co he use.

then go to pesuruh jaya sumpah make statutory declaration that this sohai hit u and dont want to make police report. so u want to claim from him.


and collect that doc, ask the workshop can help kawtim u or not. workshop will try get adjuster and lawyer for u. u no need to pay anything. but make sure pols confirm u are not at fault ok.

thats all. leceh jugak la.
TSsaigetsu
post Aug 7 2019, 11:25 AM

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QUOTE(digidigi @ Aug 7 2019, 09:32 AM)
Can share what is the procedure ?
*
Refer above
teikboon
post Aug 7 2019, 11:45 AM

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QUOTE(saigetsu @ Aug 7 2019, 11:25 AM)
now go to any workshop, ask them ibthey do third party claims. if yes good.
then u go to jpj, ask who is the insurer of that car. Hav to pay rm10 kot. or call that person asked him what insurance co he use.

then go to pesuruh jaya sumpah make statutory declaration that this sohai hit u and dont want to make police report. so u want to claim from him.
and collect that doc, ask the workshop can help kawtim u or not. workshop will try get adjuster and lawyer for u. u no need to pay anything. but make sure pols confirm u are not at fault ok.

thats all. leceh jugak la.
*
rclxms.gif rclxms.gif rclxms.gif nice guide
digidigi
post Aug 7 2019, 11:54 AM

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QUOTE(saigetsu @ Aug 7 2019, 11:25 AM)
now go to any workshop, ask them ibthey do third party claims. if yes good.
then u go to jpj, ask who is the insurer of that car. Hav to pay rm10 kot. or call that person asked him what insurance co he use.

then go to pesuruh jaya sumpah make statutory declaration that this sohai hit u and dont want to make police report. so u want to claim from him.
and collect that doc, ask the workshop can help kawtim u or not. workshop will try get adjuster and lawyer for u. u no need to pay anything. but make sure pols confirm u are not at fault ok.

thats all. leceh jugak la.
*
Thanks for the guide, the one hit me from behind is a old wira, my car repair cost at dealer is around 7k or outside workshop 4K plus .... headache
Jcsy
post Aug 13 2019, 04:33 PM

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Recently I got a hit and run case and the 3rd party didnt report.

Challenge me summore say go report and then say she wont report

2. Hasil siasatan awal yang dijalankan didapati ada kecuaian pada pemamdu Motokar/Wagon
W6884M. Walau pun masih belum rnembuat laporan polis, pemandu Motokar/wagon W6884M
boleh dituduh di bawah RULE/SEK R10 LNISS/S9 dan SEK 52 {2} APJ

This TOYOTA RED PRIUS ran. I already obtained RM10 JPJ and the car insurer is RHB.

My insurance is Allianz. Allianz said they dont do SD and I must claim OD first, then claim LOSS OF USE against RHB W6884M then if win, will convert to OD-KFK.

This means I lose NCD because I OD first ?

I want to make sure her side kena at least something

I don't have proof, but just bystander leave a note on my car stating who hit and run, and car model. WIth my keputusan, can I win the LOSS OF USE case?

This post has been edited by Jcsy: Aug 13 2019, 04:35 PM
TSsaigetsu
post Aug 14 2019, 12:50 AM

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QUOTE(Jcsy @ Aug 13 2019, 04:33 PM)
Recently I got a hit and run case and the 3rd party didnt report.

Challenge me summore say go report and then say she wont report

2. Hasil siasatan awal yang dijalankan didapati ada kecuaian pada pemamdu Motokar/Wagon
W6884M. Walau pun masih belum rnembuat laporan polis, pemandu Motokar/wagon W6884M
boleh dituduh di bawah RULE/SEK R10 LNISS/S9 dan SEK 52 {2} APJ

This TOYOTA RED PRIUS ran. I already obtained RM10 JPJ and the car insurer is RHB.

My insurance is Allianz. Allianz said they dont do SD and I must claim OD first, then claim LOSS OF USE against RHB W6884M then if win, will convert to OD-KFK.



This means I lose NCD because I OD first ?

I want to make sure her side kena at least something

I don't have proof, but just bystander leave a note on my car stating who hit and run, and car model. WIth my keputusan, can I win the LOSS OF USE case?
*
Can. No prob.

Yes lose ncd. They will reinstate if confirm u were not wrong

Jcsy
post Aug 14 2019, 03:58 PM

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QUOTE(saigetsu @ Aug 14 2019, 12:50 AM)
Can. No prob.

Yes lose ncd. They will reinstate if confirm u were not wrong
*
Thanks @saigetsu
you do great work here in this thread with all the replies!

in your experience or other experiences here, with my keputusan, can claim Loss of use successfully?
i have some doubt I will be able to push my case against someone who will just ignore and deny any creditability to the accident
TSsaigetsu
post Aug 14 2019, 04:34 PM

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QUOTE(Jcsy @ Aug 14 2019, 03:58 PM)
Thanks @saigetsu
you do great work here in this thread with all the replies!

in your experience or other experiences here, with my keputusan, can claim Loss of use successfully?
i have some doubt I will be able to push my case against someone who will just ignore and deny any creditability to the accident
*
can. based on my exp, ive seen amgeneral/kurnia paid loss of use langgar lari case.
digidigi
post Aug 19 2019, 05:40 PM

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QUOTE(Jcsy @ Aug 13 2019, 04:33 PM)
Recently I got a hit and run case and the 3rd party didnt report.

Challenge me summore say go report and then say she wont report

2. Hasil siasatan awal yang dijalankan didapati ada kecuaian pada pemamdu Motokar/Wagon
W6884M. Walau pun masih belum rnembuat laporan polis, pemandu Motokar/wagon W6884M
boleh dituduh di bawah RULE/SEK R10 LNISS/S9 dan SEK 52 {2} APJ

This TOYOTA RED PRIUS ran. I already obtained RM10 JPJ and the car insurer is RHB.

My insurance is Allianz. Allianz said they dont do SD and I must claim OD first, then claim LOSS OF USE against RHB W6884M then if win, will convert to OD-KFK.

This means I lose NCD because I OD first ?

I want to make sure her side kena at least something

I don't have proof, but just bystander leave a note on my car stating who hit and run, and car model. WIth my keputusan, can I win the LOSS OF USE case?
*
Hi, do you mind highlight the step you went through and the document required to claim loss of use? My car is insured by Allianz as well, I went to their CS and they told me that if third party din make police report I can’t claim their insurance no matter how.

I get the maklumat from jpj and her car is insured by Pacific insurance Berhad

Thanks
digidigi
post Aug 19 2019, 07:26 PM

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QUOTE(saigetsu @ Aug 7 2019, 11:25 AM)
now go to any workshop, ask them ibthey do third party claims. if yes good.
then u go to jpj, ask who is the insurer of that car. Hav to pay rm10 kot. or call that person asked him what insurance co he use.

then go to pesuruh jaya sumpah make statutory declaration that this sohai hit u and dont want to make police report. so u want to claim from him.
and collect that doc, ask the workshop can help kawtim u or not. workshop will try get adjuster and lawyer for u. u no need to pay anything. but make sure pols confirm u are not at fault ok.

thats all. leceh jugak la.
*
My car insurance is Allianz, the one hit me and din make report is Pacific insurance, I want to sent my car back to official dealer to repair ( autobavaria jb), but the person in charge said must have theirs party police report, so what should I do? Find my own lawyer ?
Jcsy
post Aug 19 2019, 07:48 PM

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I spoke to Allianz claim department and they said file an OD first, then claim LOSS OF USE of NCD against 3rd party (RHB, MSIG, or Kurnia, etc)
*Apparently cant claim loss of use if the other side is the SAME INSURANCE as you

Then wait for other side to respond, and usually the other side will pay up based on my keputusan.

Your car workshop would recommend to do OD first, then LOSS of use

If loss of use success, then will convert to OD-KFK. According to "them" la

I am in the midst of doing this process, hopefully can claim success.

This post has been edited by Jcsy: Aug 19 2019, 07:48 PM
TSsaigetsu
post Aug 19 2019, 09:11 PM

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QUOTE(digidigi @ Aug 19 2019, 07:26 PM)
My car insurance is Allianz, the one hit me and din make report is Pacific insurance, I want to sent my car back to official dealer to repair ( autobavaria jb), but the person in charge said must have theirs party police report, so what should I do? Find my own lawyer ?
*
Demand to speak to the manager. Sohai.

Easiest way is to go to any workshop ask them if they can do third party claims. And ask them for help. They will appoint lawyer and all.

U have to make statutory declaration tht the other guy hit u amd didnt make police report.

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