saigetsu TS, glad to see that there is a thread on this topic! Recently got into an accident hope u can give some advise.

Case:
- Car got hit at the back on 21/12/15
- Towed into Etiqa panel workshop that day and submitted docs to workshop 22/12/15
- Called workshop and told that adjuster going on the 30/12/15
- Called own insurance (before i see this thread ) to check on LOU claim and got following explanation:
i) Get police report + collect investigation report from police (2 wks after accident) and send a letter to file claim with 3rd party (person who hit me) insurance
ii) Send a copy to my own Etiqa insurance
iii) Days claimable is when the workshop start to repair until complete repair only, not including waiting time before can start repair

Question:
- Do I do this myself or can ask the workshop to help claim the LOU together?
- Wat documentation i need to provide? Taxi receipts?
- When to submit these documentation (police report + investigation report + receipts (if needed))?
- How much can we claim (follow post #1)?

Still quite blur after calling the Customer Service especially on the procedure sequence and timeline. Thanks in advance for your help.

1. usually workshop will do

2. if you did not submit receipts, they will compensate base on the type of your car. With receipts, you can claim more

3. police report + investigation report + photos + adjuster evaluation + police sketch. Usually workshop people will do it for you. Try ask them 1st, cause recent years, police station no longer entertain workshop runner

4. check my thread, I have stated the standard LOU rate without the receipts.

Hi Lou. Working hard i heard next year a lot of retrenchment. big motor players. sad. hard time

marketing/admin sides maybe

underwriting/claim/actuarial/account sides still quite save

hopefully la

i also scare

for your last question, i already put the rate in my first post. u can refer to that lor. the rest master loui has spoken.

thanks both masters loui saigetsu, will check with the workshop, if they agree i can go and rent a car i hope.

so it seems when the car fully repaired only i can claim back right? how long is the claim back process? Do i receive a cheque by the 3rd party insurance down the road?

thanks

Bro jangan put high hope to get high claim sangat. Because, your car repair process might took 2 days only. Therefore can only claim for 2 days. The rest of the days tersadai at parking waiting to be repaired not counted one.

ok noted with thanks.

Parking

For the claims cost usually set by the workshop. VW claim 20k just to replace the smashed bumper

Now still waiting for LOU claims

This post has been edited by Boy96: Dec 29 2015, 09:07 PM

my 3 yo car got hit from behind.

i want to claim the other party insurance, is't a must to send to panel workshop?
my ins co is etiqa takaful
i already change my rear bumper, dont want they will replace with original bumper

This post has been edited by one punch man: Jan 27 2016, 01:28 PM

3 years old car. call etiqa panel workshop ask they do third party insurance or not. or call your service centre pun bole.

for first party, u can buy the loss time / cart conpensation coverage ... for etiqa only maximum 20 days if not mistaken

insurance people are really the scum of the earth. personally experienced many cases involving them cheating. concerning LOU, the story was simple:

1. i claimed LOU
2. received letter saying claim received
3. waited many weeks, no reply
4. called person in charge

5. idiot said he already sent a letter saying claim approved,
this letter wanted me to confirm final amount (less than claimed),
re-checked with him - wrong address! how did he get wrong address when 1st letter was sent correctly?
won't send new letter, asked me to find letter myself

that's why i avoid dealing with insurance as much as possible

Hi saigetsu & loui,

My 5 year old + car got hit from behind.

Is it possible if I send my car back to proton SC for OD-KFK and pay for the betterment (15%) or I have to send my car to panel workshops which I do not have any confidence to leave my car there?

Also, do i have to wait for police keputusan before send my car to SC? By the way, I am using Etiqa Takaful.

Many thanks.

As long as that proton sc is panel insurance lor. Or else cannot. Recently umw punya workshop not listed under authorised PIAM workshop. PIAM is a body who regulate insurance industry apart from bnm. So customer complaint but rule is rule. Send to panel wprkshop, if not aatisfy ccan complaint.

Hi All, the adjuster who analyzed the Loss of Use amount, is it from the third party (the insurance company we raised the claim) or from our own insured company?

third party.

Good infooo parking here.