MCO - loss of use. How?

Before MCO and corona virus, my car got accident, then the aunty who bang my car didnt report police, after all the hassle and after MCO. Total loss of use in my definition is 100 days (days since it enter workshop)
I ask the other party insurance to compensate RM 100/day x 100 since my car is brand new, and i am paying that much in installment. this is aside from all the taxi i am paying during this period.
But after few months they reply me say compensate RM 120.00 in total only.. 120 is like 3 days taxi fare only.
how to fight this?

Feel bullied, since its not my fault there is a delay, that aunty dont want report police, make the workshop dont want to repair cause insurance side pending.
sad la.. this is corporate bully MSI-G

Someone mentioned that loss of use only covers the actual number of days that are required to repair the car

MCO - loss of use. How?

Before MCO and corona virus, my car got accident, then the aunty who bang my car didnt report police, after all the hassle and after MCO. Total loss of use in my definition is 100 days (days since it enter workshop)
I ask the other party insurance to compensate RM 100/day x 100 since my car is brand new, and i am paying that much in installment. this is aside from all the taxi i am paying during this period.
But after few months they reply me say compensate RM 120.00 in total only.. 120 is like 3 days taxi fare only.
how to fight this?

Feel bullied, since its not my fault there is a delay, that aunty dont want report police, make the workshop dont want to repair cause insurance side pending.
sad la.. this is corporate bully MSI-G

I still don't get my LOU claim after 3 months. Accident on February. The third-party panel make it hard for me to claim my LOU. They make a lot of excuses. Their boss just blue tick me on WhatsApp.

I make a number of call to the panel and still the worker gave me a lot of excuses. Should I make a police report?

In my latest takaful Malaysia motor insurance renewal they put loss of use as additional benefit package (have to top up premium)? I thought loss of use is park as main benefits?

Why this no longer pin thread ?

I got one general question. Said i buy comprehensive insurance for my car for 8k.

Hit a another motorbike and the cost to repair my car rm5k, motorbike lost rm3k, motor rider patah kaki cost claim ??

How the car sum insured of 8k to distribute between that and if not enough how much insurer need top up ?

Hi guys, I have case where car had an accident knocking metal rail divider. Car badly damaged on front part.
Car is insured to RM44,000.
Service center quote RM80,000 repair cost.

6 years old vios

What should I do in this case?
Can my insurance cover the repair cost or should I claim total loss?

Why this no longer pin thread ?

I got one general question. Said i buy comprehensive insurance for my car for 8k.

Hit a another motorbike and the cost to repair my car rm5k, motorbike lost rm3k, motor rider patah kaki cost claim ??

How the car sum insured of 8k to distribute between that and if not enough how much insurer need top up ?

I still don't get my LOU claim after 3 months. Accident on February. The third-party panel make it hard for me to claim my LOU. They make a lot of excuses. Their boss just blue tick me on WhatsApp.

I make a number of call to the panel and still the worker gave me a lot of excuses. Should I make a police report?

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

Comprehensive don't have LOU?