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> Accident 101: i teach u claim loss of use

AceKendy
post Oct 1 2014, 10:29 AM

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QUOTE(saigetsu @ Oct 1 2014, 11:20 AM)
if hit and run, make sure first thing u know the plate number. once u know the plate number u still can claim but a bit hassle.

have to go to commisioner of oath ckp this plate number car hit me and run away. then u can proceed claim third party against insurers of this langsi people.
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most likely is not claim able even wit the plate number submitted on the report.
hit and run is a gone case. not insurance company will dare to insure it.
DarkNite
post Oct 1 2014, 10:33 AM

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QUOTE(saigetsu @ Oct 1 2014, 10:21 AM)
x faham... details sket.
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I knock the other car and now both cars are in the workshop for repair.
so can I also claim for lose of usage of my car? hmm.gif
cruel_boy
post Oct 1 2014, 10:39 AM

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this article is still rough and sketchy for newbies like me. Pls elaborate more.
saigetsu
post Oct 1 2014, 10:41 AM

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QUOTE(DarkNite @ Oct 1 2014, 10:33 AM)
I knock the other car and now both cars are in the workshop for repair.
so can I also claim for lose of usage of my car? hmm.gif
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oh my post is about people bang your car. now that u bang people car, u cannot claim loss of use laa.... u wrong ma.. only he can claims against yours.

unless, u subscribe CART insurance when u renew your insurance. then u can claim for LOU
saigetsu
post Oct 1 2014, 10:44 AM

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QUOTE(barista @ Oct 1 2014, 10:23 AM)
I recently got bang in a pile up. Car behind got hit and the car moved forward and hit mine sad.gif
When we went to report, the last car did not report yet.  We both want to claim from the last car.
What happens if the car did not report? I don't know whether the stupid driver reported or not. I have got my police report and calling the elevator to access my 1 month old car sad.gif
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yours is chain collision... procedure is u always claim people from behind you... immediate behind. not the last one. if you are thesecond last in your case above.. then too bad. refer to my post earlier how to claim if people behind u didnt lodge police report. but i belip he will la... his car sure ggot damage one. sure claim insurance one. it just slower or late report.
saigetsu
post Oct 1 2014, 10:47 AM

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QUOTE(BigSaver @ Oct 1 2014, 10:23 AM)
How about we bang ppl for their own mistake? Malaysian SOP i believe whoever hit us from back is consider already wrong.

Pernah involved in one excident at federal. It's a LADY bwk motor xreti bagi signal and look for any incoming vehicle. Instead compensate, her brother threaten me to report and accuse me for hitting from back.

How??
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there is no their own mistake in malaysia lorrr...

when u bang people, its yours, unless u stated in your police report

that car x bg signal and enroach my path, i give honk but its too late. police may end up summon that guy, and u can claim against him .. but rarely happen. too bad. or

the other condition, police didnt summon anybody but consider this case as RTI - refer to insurer.
in this case, insurance decide la who salah, and only pay 40% of the total cost repair. fuuu
saigetsu
post Oct 1 2014, 10:48 AM

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QUOTE(cruel_boy @ Oct 1 2014, 10:39 AM)
this article is still rough and sketchy for newbies like me. Pls elaborate more.
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which part?
WaCKy-Angel
post Oct 1 2014, 10:50 AM

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QUOTE(WaCKy-Angel @ Oct 1 2014, 10:26 AM)
» Click to show Spoiler - click again to hide... «

Ayam abit confiused...

This is my case.

Met accident and reported police 1 hour after that on the same day.
Bring car to shop and claim OD-KFK, fixed and out shop after 1 week.
Waited 2 weeks for keputusan but police say not yet out due to 3rd party no report.
The sergeant doesnt seems to be helpful...keputusan still pending until now due to im at KL, reported at BTW.

My NCD still not affected although i have not submitted keputusan (special case)

So will i am to claim LOU?
If yes, will my insurance company kao tim for me or i ownself have to do it?
If ownself, how?
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QUOTE(saigetsu @ Oct 1 2014, 10:48 AM)
which part?
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boss mai case how?
DarkNite
post Oct 1 2014, 10:51 AM

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QUOTE(saigetsu @ Oct 1 2014, 10:41 AM)
oh my post is about people bang your car. now that u bang people car, u cannot claim loss of use laa.... u wrong ma.. only he can claims against yours.

unless, u subscribe CART insurance when u renew your insurance. then u can claim for LOU
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thanks for the reply. how much is the premium for CART insurance? what are they cost factors?
MR_alien
post Oct 1 2014, 10:55 AM

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1 question
i claim warranty before...other party's insurance
the workshop told me they have help me claim loss of use..i saw it somemore
but i never received any cheque since
what do i do?
cruel_boy
post Oct 1 2014, 10:58 AM

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QUOTE(saigetsu @ Oct 1 2014, 10:48 AM)
which part?
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well, you can start with all the questions ppl are asking and you having to answer one by one. How about combining all those info properly in the 1st post itself with example of scenarios for better understanding

I appreciate the info given, but having to go through countless posts to get the whole picture isn't helpful for ppl like me who is new to these things.
saigetsu
post Oct 1 2014, 11:01 AM

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QUOTE(WaCKy-Angel @ Oct 1 2014, 10:50 AM)
boss mai case how?
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1. find the langsi plate number - kalo x dapat your loss.
2. go jpj, find out which insurer this langsi subscribed.
3. write letter want to claim LOU from this insurer, pass all doc (adjuster report, police report)
4. langsi insurer received your claim, and will contact langsi confrim everything. langsi insurer ussually will send a letter to langsi stated that if x mengaku, insurer will liable to pay if anything.
5. ????
6. profit.. well if x menagku jugak, seek advice from langsi insurer how... i seriously dunno what to do la if got people like this.

saigetsu
post Oct 1 2014, 11:01 AM

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QUOTE(cruel_boy @ Oct 1 2014, 10:58 AM)
well, you can start with all the questions ppl are asking and you having to answer one by one. How about combining all those info properly in the 1st post itself with example of scenarios for better understanding

I appreciate the info given, but having to go through countless posts to get the whole picture isn't helpful for ppl like me who is new to these things.
*
u meant spoonfeed u? boh layan
saigetsu
post Oct 1 2014, 11:02 AM

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QUOTE(DarkNite @ Oct 1 2014, 10:51 AM)
thanks for the reply. how much is the premium for CART insurance? what are they cost factors?
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haha this one i dunno.. diff insurers vary. i only know kurnia offer this product
HeReLiSm
post Oct 1 2014, 11:02 AM

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My case:
My car stuck at the workshop for three months before completed repair. I claimed for ODKFK first, later got all police results then the workshop claimed for third party.

If I wanna claim for LOU, do I have to claim myself? What document I need? and since the car stuck at the workshop for three months, how many days do I get to claim?
saigetsu
post Oct 1 2014, 11:03 AM

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QUOTE(MR_alien @ Oct 1 2014, 10:55 AM)
1 question
i claim warranty before...other party's insurance
the workshop told me they have help me claim loss of use..i saw it somemore
but i never received any cheque since
what do i do?
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lol too bad. next time do it your self. workshop sudah telan, or unless u got prove that workshop need to help u.
quick_shaq
post Oct 1 2014, 11:04 AM

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TS should include info on betterment and excess terms use by insurance company.


saigetsu
post Oct 1 2014, 11:06 AM

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QUOTE(HeReLiSm @ Oct 1 2014, 11:02 AM)
My case:
My car stuck at the workshop for three months before completed repair. I claimed for ODKFK first, later got all police results then the workshop claimed for third party.

If I wanna claim for LOU, do I have to claim myself? What document I need? and since the car stuck at the workshop for three months, how many days do I get to claim?
*
your car stuck for three month doenst mean in the adjuster report says the repair time require is 3 months. it may only requires 7 days. then u only eligible to claim 7 days ony. thats y i said, adjuster x boleh pakai or workshop x boleh pakai.

workshop claim third party its either , the other party only got third party cover, not comprehensive cover or, u kena tipu dengan insurer.

how to make claim for LOU by your self

1. refer to my previous post in this thread. go to jpj etc2.
saigetsu
post Oct 1 2014, 11:07 AM

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QUOTE(quick_shaq @ Oct 1 2014, 11:04 AM)
TS should include info on betterment and excess terms use by insurance company.
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today LOU sudah la
MR_alien
post Oct 1 2014, 11:09 AM

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QUOTE(AceKendy @ Oct 1 2014, 10:29 AM)
most likely is not claim able even wit the plate number submitted on the report.
hit and run is a gone case. not insurance company will dare to insure it.
*
hit and run mostly can claim as long as u have the other party's plate
many known case already

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