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 Accident 101: i teach u claim loss of use

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TSsaigetsu
post Mar 22 2017, 01:59 PM

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QUOTE(EpicBlue @ Mar 22 2017, 01:44 PM)
coz they were saying if i pay first, i can take out the bike as soon as it is done.

then wait insurance let me claim for me.

if claim 3rd party, should i go his insurance company there notify them? or just notify my own insurance(Bike shop do)?
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loui come help. u are pro than me.


epicblue - who said you need to pay first? i never encounter such thing. how do you know the workshop not going to overcharge you?

if claim third party, go to big bike shop who can do third party insurance claim. for bodily injury, fastest way to go to third party insurance company.
TSsaigetsu
post Mar 25 2017, 11:54 PM

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QUOTE(mobeus @ Mar 24 2017, 02:05 PM)
My wife drove my car and got hit from side. The car only insured under my name, can i claim insurance?

Plus, the insurance last day is 25th march which is tomorrow
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Can. Claim from ur own insurance. U will not lose ur ncd nor pay anything coz tbe other oarty at fault.
TSsaigetsu
post Mar 26 2017, 03:52 PM

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QUOTE(MNet @ Mar 26 2017, 11:32 AM)
takaful malaysia reliable?
they provide 25% cash back
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U wantvbetter? Take etiqa.. got maybank behind them. Also give cash back on top of ur ncd
TSsaigetsu
post Mar 26 2017, 07:38 PM

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QUOTE(MNet @ Mar 26 2017, 04:25 PM)
etiqa only 10%
but takaful malaysia give 25% discount.
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Serious? Demn.. point taken.
TSsaigetsu
post Mar 28 2017, 02:47 AM

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QUOTE(Hueleegun @ Mar 28 2017, 02:09 AM)
Just had an accident this morning where a motorcycle hit my right rear passenger door after he ran a red light. We both already made police reports, he admitted fault because I have a dashcam.

I have comprehensive insurance under AXA, how should I proceed? The sergeant told me to take my car to a certified workshop where I only need to submit my details without police report and my car and they will take care of it from there, because otherwise I will need to wait for the police report and stuff to be cleared which he said will take 14 days. What should I do? I havent contacted my insurance yet. The motorcycle also has comprehensive insurance.

My car is also still driveable.
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Fastest most efficient.

Call ur insurance notify them. Ask them what doc u need to bring to the workshop. Call ur car service cenfre, ask they do own damage kfk claim or not. If yes, proceed. If no, go search i ternet axa authorised panel workshop.

Pass the doc. And hand in the car. For loss of use, u need to contact that motorcycle insurance. No matter what happen, ur ncd should not be zero. Pls check ur ncd again after 3 months.
TSsaigetsu
post Apr 13 2017, 09:07 AM

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QUOTE(vektor_sigma @ Apr 12 2017, 07:57 PM)
Yesterday my house got bang by a motorcycle, causing damage to my gate, autogate component and also to my car. I got to lodge police report but the rider didn't. I believe rider doesn't have license. However, this point didn't mentioned in police report.

The motorcycle got active insurance, and is Third Party Coverage type. Can I make third party claim?

My house also got insurance, so can I claim this insurance as well? In case I unable to claim motorcycle insurance. Pls advice.
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Yes you can. but he needs to make police report as well. U can claim againts his motorcycle insurance for third party property damage TPPD.

your house got insurance for fire, thunder kind of stuff i guess. dont think can cover property damage by other party or even your self.
TSsaigetsu
post Apr 17 2017, 08:44 AM

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QUOTE(Sudoku123 @ Apr 17 2017, 08:01 AM)
Wow!! Thank you very much for the fast reply! Really appreciate it at this time when I'm stressed with my school yet that person giving me constant trauma....
Thanks for answering all the questions, I have a clearer picture of the whole case now.

Now to answer your question in return, yes I did claim against my own insurer as well, and man the cost is "Big". It's very weird to see that obviously my car has lesser damage compared to that person, but my repair cost is so many folds of the thousand they have. Well not that I am concerned about the need to pay them, but I did received advises about it stating that the reduction of NCD is based on the amount you claim. So maybe if ever the cost is lower, I might be able to save some of my NCD there, is this true?
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No. Once claim regardless of amount, ncd is reset to zero
TSsaigetsu
post May 2 2017, 11:13 PM

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QUOTE(happying @ May 2 2017, 10:09 PM)
menara allianz kl sentral..i dont see any commissioner of oaths around..and how much do they charge usually?
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Mara got epf got. Thats the nearest i know
TSsaigetsu
post May 26 2017, 02:27 PM

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QUOTE(ixole @ May 26 2017, 06:36 AM)
Hi regarding the number of days for computation of cart based on the independent loss adjuster recommmendation.
So the adjuster will come to the workshop and tell the workshop?
Currently i am claiming odkfk and cart from chubb insurance due to my axia bang by others from behind.
New car so sent to perodua and they help me claim 20 days x rm50 but chubb insurance offered me 10 days x rm30, i submitted all document completely. I should be able to claim more right?
Maybe the days are controlled by afjuster, i cant do anythg but the rate per day can be more right? Because i submitred all the documents...please advice tai gor icon_question.gif
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rate already fixed by bnm. dont think u can claim more. The figure i take bulat2 from the bnm guideline.
TSsaigetsu
post May 28 2017, 07:44 PM

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QUOTE(tailangong @ May 28 2017, 03:34 PM)
My honda got rear ended as well.
Wonder if i send to the panel and I rent a car, how do i claim for the CART?
Panel will help me to claim 3rd party insurance for sure for the car repair, but how about the CART? I have to submit myself?
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Panel will claim od kfk. Wont helpl u. Must submit ur self
TSsaigetsu
post May 29 2017, 05:30 AM

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QUOTE(tailangong @ May 28 2017, 08:39 PM)
Damnit. Wonder if I use car rental during that period they will let me fully claim it back.
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Fully not sure. By right can. Make sure same cc.
TSsaigetsu
post May 29 2017, 12:27 PM

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QUOTE(D800E @ May 29 2017, 10:58 AM)
i claim LOU from 2015 till now still haven''t get. Am i got conned?
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call them ask. threathen to report to bnm tele link

or just call bnm telelink. 1300885465
TSsaigetsu
post May 30 2017, 09:08 AM

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QUOTE(ixole @ May 30 2017, 08:17 AM)
How to check the rate? Why perodua helped us to claim at rm50 if they know the rate is fixed at rm30 at first point?

I checked most website, it stated "The number of days is determined by the adjuster’s recommendation of the time required for repair. And NOT the number of days the car is stuck in the workshop"

How do i claim more days based on above statement?
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they probably main cakap saja. u can check the bnm website

I checked most website, it stated "The number of days is determined by the adjuster’s recommendation of the time required for repair. And NOT the number of days the car is stuck in the workshop"

Yes. if your car stuck at workshop for 10 days. adjuster may say actually this car only need 6 days to repair. and maybe workshop only need 2 days to repair your car.

but in the end adjuster has the final say. but u can still nego.
TSsaigetsu
post May 30 2017, 12:00 PM

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QUOTE(D800E @ May 30 2017, 10:42 AM)
ok thank you. but i dont know where is my case number fly dy. dammit.
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they can track by vehicle number of their insured. so in your case. do u still keep the vehicle number of the other party?
TSsaigetsu
post May 30 2017, 12:54 PM

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QUOTE(ixole @ May 30 2017, 12:48 PM)
Thanks bro, then i will try to nego o  the days of repair....
Can we threaten to make a complaint at bnm or consumer right department...lol
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Cannot la coz bnm say must follow adjuster recommendation. But can try luck. Who knows they takut.
TSsaigetsu
post May 30 2017, 03:04 PM

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QUOTE(ixole @ May 30 2017, 01:02 PM)
Btw bro, which section to check the rate from bnm website? I cant really find the info from google
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Attached File(s)
Attached File  appendix_to_claims_settlement.pdf ( 16.26k ) Number of downloads: 79
TSsaigetsu
post Jun 1 2017, 04:36 PM

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QUOTE(digitalcode @ Jun 1 2017, 03:08 PM)
i purchase loss of use addon in my motor policy. I bought RM200 per day option (they also have other options like RM100/day). when I claim CART, will they pay RM200 per day or revert to whatever minimum daily rate BNM decides?
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The bnm rate is for third party claim. So in your case. Let say third party bang u. U can claim from ur own insurnace and third party insurnace.
TSsaigetsu
post Jun 10 2017, 05:22 AM

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QUOTE(Nama saya Amad @ Jun 10 2017, 12:26 AM)
With all the hastles,  you only get rm210 sad.gif
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Bnm promise with detariff the servis will get better. Lets see
TSsaigetsu
post Jun 13 2017, 04:21 PM

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QUOTE(flazeroth4th @ Jun 13 2017, 03:59 PM)
Hi, I got knocked this morning, can someone give me advice on how to proceed?

Situation:

A rammed my car from behind. A's car NCD 55%, my car NCD at 0%. Can claim for repair using my insurans instead of his although it's his fault or not?
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yes but please dont be stupid if you just claim ur insurance even your ncd is zero, ur history is tarnished and insurance will be more expensive next time u renew.

so u call your insurance company say wanna make claim coz a hit u from the back. tell them u want to make OWN DAMAGE CLAIM WITHOUT AFFECTING MY NCD or OWN DAMAGE KNOCK FOR KNOCK. this way, u still claim from your insurance company but your record still clean. then sent your car to your service centre assuming your car is new.

make sure the other fella also make police report ya.
TSsaigetsu
post Jun 14 2017, 12:58 PM

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QUOTE(flazeroth4th @ Jun 14 2017, 12:43 PM)
this OD KFK affect other fella NCD or not?
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yes affect other fella. but not yours. good luck

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