yup own damage kfk. ncd still protected

Ok I called the workshop and they told me in order to claim the 3rd party.. need the keputusan but that one need to wait about 2 weeks. Do they proceed to repair my car first and claim od Kfk ?
I haven't collected my police report.. dun wanna go there so many times.. anyone with experience in collecting the keputusan +reports? Is it really 2 weeks?

Own damage and third party is 2 diff thing.

Own damage - u claim your own insured. In this case. knock for knock or KFK coz all kereta affected are first party cover(comprehensive) cover.
Third party - u claim from third party insurance la.

But doesnt matter. it doesnt concern u, only concerns between insurance companies.

So your workshop wanna claim third party- so be it. thus, this is not od kfk. both claims wont affect your ncd. if you have to collect police report for the workshop to submit third party claim. if the workshop say no need, please expect

1. they will do everything from you, and in return, they will songlap the loss of use claim. to cover their exp to bayar polis, minyak to collect police report.
2. POTENTIAL slightly delay in your repair process because third party insurance mesti die2 want to see keputusan stating that their insured at fault. actually behind the scene, if workshop confirm know that u r not at fault, they will repair straight away.

Actually they will fix it under od kfk first. Then when keputusan out, they will upload the keputusan+photos to the claim system in order to process the claim. My workshop dun do for me the police thingy. Ask me to go collect the keputusan and give to them.The loss of use also need to submit myself, they will provide the forms, documents etc.

Haa then good lor. Prepare some money to pay police for the keputusan and stuff. Last time they asked me rm60 no receipt. Feel macam kena tipu

how much should we pay for the keputusan?shouldn't it be a fixed amount..?

My fren didnt pay a thing. I paid rm60. Lets found out yours then.

My report was rather long, Sargent said 2 week but the report she gave me wrote 3 weeks, so i ask workshop fix first i claim 3rd party later.

Keputusan is rm8

Went to get my report yesterday. The police told me keputusan set is Rm20. And its 14 working days so in my request form 28th Dec only can get the keputusan...

My car got accident with a bus sometimes in 2012. Yes, that was years ago. We were travelling on a rather straight stretch, when suddenly the approaching bus from the opposite direction served into my lane. Managed to hit my brakes but it was too close. Hit the bus front left wheel but damage to my car was very bad. Totally crumpled. Engine got off of its mountings, etc...

My family got light injuries, and was discharged the same evening.

Made police report the same evening then called the bus company to discuss about insurance.

As it was the bus driver's fault to swerve the bus into my lane, i insisted that the repair to my damage car be paid by the bus company. The bus company manager agreed but the repair work might get delayed. If i don't want any delay, the repair work should be covered by my own insurance. Meaning i have to 'rugi' first. I want 'fast' repair, as i badly need the car again, so i followed the manager's words. When all was done (after 6 months of repair) i got my car back and receive an offer from my insurance, offering to 'compensate' my 'loss' for about RM1k ++. I didn't accept the insurance company offer, with the hope that it's not an end to my unattended demand.

Now my insurance NCD is 100% and the bus company is silent, probably hoping that I'm content with the 'hassles'.

I would like to know whether I can still make a claim from the bus company after a long period of silent? Please enlighten me

Dont think u can... U should claim bro... Not only u can claim for ur car... Ur injury oso can.. Coz of the repair u made, u dont have any more proof. Maybe u can seek legal advice.

Thanks for the advice bro. But i haven't engage any thing legal yet, rather than calling up the bus company. Still refraining myself engaging legal because it might be expensive.

there are 4 things that you cannot claim on insurance

police vehicle, military vehicle, public transport, riot

If u win bus insutance company will pay. Just briefly ask lawyer first can win or not... Coz the bus is party at fault.


But if u want a free advice... Complaint to bnm LINK.

If u win bus insutance company will pay. Just briefly ask lawyer first can win or not... Coz the bus is party at fault.


But if u want a free advice... Complaint to bnm LINK.

Thanks again, bro.

the third party insurance only provide me 4 days of lou mentioning that my insurance adjuster stated the repair only took 4 days however my car was in the workshop for more than 2 weeks. after i argue with the third party insurance, they only add in additional 4 days. so total only 8 days. is this acceptable? i haven't sign the document to accept the offer yet. is there any way for me to fight for it?

Acceptable. Bnm said limited to what adjuster said. Again adjuster should be independent...

alright thanks

Was involved in accident
a) I have reported police but the other party did not report to police
b) Police result was in my favor, which I have used to retrieved the other party's insurance information
c) I claimed his insurance but was rejected because the other party did not make the police report

What options do I have to pursue this case? The other party is basically a company car, driven by I think the owner's spoiled son and I want to teach them a lesson because of their bad attitude.