Hi,

My car skided off from road into drainage due to slippery road.
So this is consider OD right?
Can i claim CART If is OD?

Hi may I know what's the different between Compensation for Assessed Repair Time (Cart) & Compensation for Loss of Use (CLU).

Etiqa car insurance offers CART or/and CLU
Etiqa car takaful only offers CLU

I'm confuse now. 

What if i meet into an accident in a multistory car park (malls, office buildings). Will insurance claim process be the same?
What if its within a residential property (condominiums)?

Thank you in advance

My car was in their workshop for 35 days but only got compensated 21 days.. They say it's from the time they start work and not how many days ur car is there.

saigetsu Sigh, it's very unfortunate that I have to ask this question. Here goes.

I got hit at the side (both doors kemek and one quite bad, both cannot be opened or locked anymore). The culprit was making a turn but he/she overturned and hit me. I can't get off the car and there's a car behind me. The car stopped at the rear for a bit but sped off.

No car plate, no nothing.

Based on the damage, it should amount to 4-5k (I think). So I'm gonna make a claim.

My questions are : -

1. If I make a claim, will my NCD be affected?
2. I only have 1 car, since your first post says that it's faster to claim as OD kfk, should I?
3. How do I know which shop to go for? Do I just go to a shop authorized by my insurance?
4. Do I still need to report pulis?

THANKS!!!!! and be safe everyone!

If the car total loss and car owner die in the accident, how the insurance compensate? to next of kin?

Hopefully someone can provide some input to this. How does claiming insurance of another person works if let's say someone go and hit 3 parked cars in an accident, and let's say this car is a very old proton wira which is covered by some cheap insurance..

will his insurance pay the damages for the 3 of the cars he knocked? or the 3 cars have to claim their own insurance and retain their NCB?

As both does not lose NCD, may i know is there is any disadvantage if we have to claim OD KFK?

Just wanted to say a zillion thanks to saigetsu for this info. Managed to claim 15 days from Chubb.

Kena knocked after 2 cars collided and 1 skidded into my lane. Took around 2 months from the date I submitted the required documents to Chubb :
1. Claim LOU cover letter
2. My drivers license
3. My IC
4. My police report
5. My car registration
6. Police sketch layout, investigation outcome, photos, 3rd Party reports
7. My car insurance policy

In between however I had to check with my own insurance company to ensure that they sent Adjuster Report, Policy, to Chubb using some insurer-insurer online system.

Good luck to all.

Whats chub?

Bro, my cousin just got accident today. Got woman langgar his car's butt. Got made a police report already. But today that counter print report no open. Only monday to friday. Its weird. Is it still need to get the report on monday before proceed to workshop? Can tell what to bring to the workshop for claiming insurance? IC, Lesen, Car insurance, car registration , and polis report then enough? The keputusan the workshop will settle with the police or we need to get from the police?
To claim LOU, i must find out what insurance the woman is using? and then write in to her insurance and request for LOU? Sorry yea asking much.
Bro, how if car putting at workshop and they do nothing and said not free, spare part no come yet and also i cannot do anything but just can wait?

Bro

1 month ago when i reverse got people bang me, i think is both party wrong and we didnt make police report.

to repair need RM1k , both side also damaged badly..

any idea what should i do? thanks

so i was heading out with my old viva during dinner just now
was waiting at traffic light
suddenly itu bomba come from behind.
all the cars swerved to the side in attempt to clear the middle lane for the bomba.
this bomba then came straight at us and forced its way through, scratching the line of cars in the process

what are my options now?
claim against bomba? possible?

Dear all, advice needed and appreciated.

My car was hit lightly at the bumper by a motorcyclist when I stopped at turning junction to give way to oncoming traffic using the main road. The motorcyclist and my car are ok as it was just a minor bump. He apologised to me and we both moved on. My rear video recorder captured the whole thing clearly - my car slowing to a halt and somehow the motorcyclist was dreaming and his instinctive reaction was to raise his hand to apologise to me.

Called up my insurance company and was advised to lodge a police report to protect myself against any future claim from the motorcyclist.

What should I write in the report? I read on LYN that if I don't wish to claim or get him into trouble (since he already apologised), I should omit his vehicle registration number in the report. However, if there is a claim and my video is needed and it shows the number clearly, will I get into trouble for making false report?
Thank you in advance.

Thank you so much for your advice. A few more questions:
1. should I mention his motorcycle registration number in the report?
2. after the report is made, what would be my next course of action and follow up (assuming the motorcyclist does *not* file a claim)? Do I just let it be or do I need to buy any report?

Thank you.

got abit question. if accident not at tar road (jalan kampung, tanah) cannot claim insurance meh?

TS, questions......

I met accident where I try to avoid a vehicle which stopped at federal highway fast lane without proper action taken ( no open boot, no signage, etc ) and car lost control and hit into road divider, no other vehicle was involved in this accident. Has made police report right after the accident and contacted insurance company to toll into panel workshop. police did not fine me for the accident. currently my car has spent 2 week in workshop.

in such no-third party accident scenario, can i claim loss of usage ( CART) and what will happen to my NCD

Tq TS

Do insurance company  notify us if anyone claims against our insurance?

What can we do to prevent any Tom and dick claims our insurance?

I started to worry because I sent a fell down motorist and dump him at govt hospital.

Do different agents can have different quotation/fee, even though same type of coverage/company?

Does CART can only be claim if we rented a car or by receipt (taxi, uber etc)?

Its possible to claim CART just by days of 'loss of use'?

I thought it was possible to claim by days after reading the TS first post.

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