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 Accident 101: i teach u claim loss of use

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TSsaigetsu
post Feb 15 2018, 05:01 PM

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QUOTE(JustcallmeLarry @ Feb 15 2018, 02:43 PM)
Hi so after handling over keputusan to the workshop from who and when will I get a phone call next? Will it be
a) meeting with insurance adjuster
Or
b) call from workshop asking me to come and collect my car once it fixed
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Call follow up with workshop. Insurance will pay workshop. L
TSsaigetsu
post Feb 17 2018, 07:04 AM

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QUOTE(JustcallmeLarry @ Feb 17 2018, 01:42 AM)
Bro how about if my car less then 5 years but I change my Tyre and rim size will the adjuster reject my repairs just bcs I change the tyre and rims??? I was not salah in the accident.
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Not sure tho. Coz ur sum insured does not reflect how expensive r rim is. Bit your overall car value. Orry typo
TSsaigetsu
post Feb 20 2018, 03:55 AM

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QUOTE(ramli sarip @ Feb 19 2018, 11:36 PM)
Update on this case.

The motorcycle have made a police report. But of course the report he stated that his light is green and im is wrong.

He got no serious injuries. Just some bengkak.. no broken bones.. not a single blood drop.

I think he will not claim for any medical bill.

Car is at insurance panel workshop.

So now do i wait for the keputusan or can straight claim third party?

Who should complete all the documents needed? Me or workshop? If workshop, do i have to pay anything?

What if the keputusan said im wrong? Should i fight back or just burn ncd?
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Ur insurance panel workshop? If yes, u can either ask the workshop to get the keputusan for u. If they can do it, u just relax lor until ur car fully repaired. But if they say u must get ur self, wait till u get the keputusan, give to insurance company via post ke or hantar sendiri or just give to workshop.

Dont have to pay anything to workshop.

Pls fightback. Sure got cctv.

TSsaigetsu
post Feb 21 2018, 11:41 PM

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QUOTE(Yogi Bear @ Feb 21 2018, 07:31 PM)
Hi sir, wta can a report still be edited after the keputusan been given out???
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No. U have to make new policereport to amend the previous police report
TSsaigetsu
post Feb 22 2018, 11:50 AM

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QUOTE(Yogi Bear @ Feb 22 2018, 02:24 AM)
Then what you suggest I do. Donno whose fault when the salah party made his report he go write example wkl 2020 langgar wkl 2020. Now want to claim his insurance cannot bcs in the keputusan don't have my car details.
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U have to go to balai make another police report say the earlier police report tak complete.
TSsaigetsu
post Feb 26 2018, 08:42 AM

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QUOTE(JustcallmeLarry @ Feb 25 2018, 09:33 PM)
Bro, can you claim LOU  if you are currently unemployed?
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can. as long as the car is yours
TSsaigetsu
post Feb 26 2018, 03:29 PM

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QUOTE(mazza @ Feb 26 2018, 03:26 PM)
Bro, any caps or limits for the days to be claimed for LOU? My car is already in the workshop for 3 months, maybe require another 1 month to be completed.
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yes. it depends on the actual days the workshop repair your car.

tersadai, lying at the back yard, waiting for sparepart - not counted.

number of days of repair determine by adjuster.
TSsaigetsu
post Mar 1 2018, 10:52 AM

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QUOTE(JustcallmeLarry @ Feb 28 2018, 08:36 PM)
Hey guys sorry off topic but wta like my car been sitting in workshop for 2 weeks and still not started working on it, sure will have battery problem right? Will they change the battery for free when they try to start it and it can't start?
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actually u can take your car use it, until they really want to repair it, then u can send back.

to your question, yea
TSsaigetsu
post Mar 1 2018, 02:27 PM

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QUOTE(MeToo @ Mar 1 2018, 11:41 AM)
sometimes just the vehicle might not be drivable
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Of course. No need to take bulat2 what i said.
TSsaigetsu
post Mar 2 2018, 06:13 PM

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QUOTE(hihihehe @ Mar 2 2018, 05:59 PM)
Just being hit by a car when she turning to my lane.

1. I was at the correct lane and she at my left
2. She want to turn to my lane at front when my car already half of her car body
3. Both have minor scratches at her rear right and my front left
4. She said it's my fault for hitting from behind but I'm at my own lane and she's the one changing lane at tight spot.

I believe she at fault here? She want me to pay or report police but I don't think I'm at fault to pay her. Should I make police report?
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Make police report, let police decide. If police cannot decide, police will let insurance to decide. If insurance decide, both ncd gone
TSsaigetsu
post Mar 4 2018, 09:55 PM

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QUOTE(al_madd @ Mar 4 2018, 09:34 PM)
Hai..about LOU

Can i claim but car is my wife name....Is that possible?
police report all using my name..i drove the car
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Ur wife la claim.but u can write the letter on behalf of gour wife.
TSsaigetsu
post Mar 4 2018, 10:35 PM

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QUOTE(TheHitman47 @ Mar 4 2018, 10:00 PM)
how often police cannot decide?
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dunno. usually when the skid mark at the middle of the road.
TSsaigetsu
post Mar 8 2018, 03:38 PM

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QUOTE(flintbatu @ Mar 8 2018, 12:38 PM)
Hi bro,

Need some advise whether we’re able to claim for 15% Cashback for non claim incurred during the year from the third party Insurance? Would the Insurance consider this claim or they will reject it? (3rd party at fault from the police investigation). Besides that, Takaful Malaysia estimated the repair days as 21 but  Mazda had made a claim of just 7 days. It’s correct as my car was at the workshop for not more than 5 days.

Thank you
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no cannot. where do you get this idea of claim 15% cashback from the third party insurance. from your own insurance yes (but even this subject to insurance decision, not you)

u need to give full story, i dun understand. your are not at fault. then? u repair your self?
TSsaigetsu
post Mar 8 2018, 03:44 PM

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QUOTE(Mr.Docter @ Mar 8 2018, 02:41 PM)
Bro, straightforward case.

Front care emergency brake. I braked on time. Lorry behind be didn't. So he hit the rear of my car.

We came down, took pictures of the damage. Snap his lorry roadtax and his IC as well.

Promised to pay. But didn't.

Then the boss called me, said will lodged police report.

Said that he did, but according to my IO not yet in system.

Clarified with him, he said he went but unable to proceed since he (the boss) not the driver during incident.

Eventually I repaired myself.

They keep on promising to pay but delay every fucking time.

So what are my next step? My IO said he can't do shit. Unless the lorry wanna renew the roadtax then cannot proceed due to this issue but he just recently renew, so next year this shit will be basi already.
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1 - find out who is the lorry insurance company
2 - contact the insurance comapny and tell him what happened, and u said u wanna claim regardless no report
3 - go to pesuruh jaya sumpah, declare that this idiot hit u but dudnt make report
4 - go back to your workshop where your car is repaired, ask him whether he can help appoint adjuster to look at you car or not. ( because insurance require adjuster to check what is really the cost to repair your car)
5. submit all docs, police report, adjuster report, psuruh jaya sumpah to insurance to claim.


now problem that i foresee, u already repaird your car, adjuster cant no longer validate the repair cost u incurred is genuine or not. try to discuss with third party insurance and workshop see possible to claim or not.

you can also approach workshop ask them if any lawyer can help or not.


TSsaigetsu
post Mar 9 2018, 06:28 AM

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QUOTE(flintbatu @ Mar 8 2018, 10:56 PM)
Hi bro,

Thank you for the prompt reply. Appreciate it. Not sure whether you remember that I message you before and my car is already repaired by Mazda. Thank you so much for the kind information and advise.

Now, I’m sending a claim of loss of use letter and docs to the third party Insurance, ie Etiqa Takaful. For the 15% cashback, it’s from my Insurance, Takaful Malaysia in the even there’s no claim in the calendar year. TM informed me that I’m not entitle to this cashback since I’ve already made a KFK - OD with them even though the Police has stated in the keputusan that it was the other driver fault. They ™ advised me to try to claim from Etiqa Takaful.

That’s why I seek your advise on this matter.

Thank you
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haha sorry2. always forgot.
u see that 15% u can only claim from tm not etiqa. coz that is their own initiative. has your ncd being restored? if yes print that thing. u can find ur ncd thru website. google je ncd check.

then call bnm link and make report. its ur right. unless unless there is a fine print telling that u are not entitle for the 15% for any claim. od kfk pun x boleh. ask them to provide prove first. if cannot threathen to complain to bnm link. cc to them pls.google bnm link.


bnm wll send thnjuk sebab letter to the ceo.



TSsaigetsu
post Mar 9 2018, 09:15 AM

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QUOTE(flintbatu @ Mar 9 2018, 06:41 AM)
Good morning bro!

Wow! Again, thank you for the useful information. I didn't know that. Will do so! Have to know our rights. I will keep you posted on the latest update. My insurance anniversary is in May 2018. May have to wait till then to see whether TM will give me the cashback.

Have a great Friday!
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wait wait wait.... you insurance with takaful malaysia not yet expired... then dont do what i told u. lol


i tot the period of cover is over already.

any takaful in malaysia will give you profit sharing - in this case takful malaysia, only after your insurance period is over.
takaful malaysia memang cakap 15% but the catch is that subject to their profitability (baru je google and verified) and your pool.

pool= other group of mazda people insured with TM. If one of u people claim, then it will affect your pool and you may get less than 15%.

now you have to wait lor.
TSsaigetsu
post Mar 9 2018, 10:18 AM

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QUOTE(teikboon @ Mar 9 2018, 09:49 AM)
bro saigetsu, by just following your topic, I, myself learn something new almost everyday related to vehicle accident claim

someone should give you a cookies, i mean medal  laugh.gif
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related to my work ma..
TSsaigetsu
post Mar 11 2018, 02:48 PM

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QUOTE(Mr.Docter @ Mar 11 2018, 08:56 AM)
My bro, may I know what do you work as? Roughly, if specifics are sensitive.
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auditor of insurance co
TSsaigetsu
post Mar 12 2018, 11:14 AM

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QUOTE(JustcallmeLarry @ Mar 12 2018, 02:48 AM)
Hi bro, wta for claiming lost of use is it ok I add a few extra days, like example my car was in workshop for 25 days. In the letter for lost of use is it ok I put I want to claim for 1 month? Bcs don't know the guy at the workshop say I can even put 2 months lol is he high on something or what.
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u need to understand that its not u to decide whether u can claim 25 days 2 months etc. it depends on the adjuster opinion on how lng the workshop to repair your car.
you may not be able to use your car 25 days, but there is possibility that the actual working days to repair your car is just 5 days. the rest waiting for sparepart etc.

good luck

just put 25. nanti insurer adjust sendiri. you can appeal tho. complaint sikit bising2 sikit they maybe give you more that adjuster prescribed in the report.
TSsaigetsu
post Mar 15 2018, 01:54 PM

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QUOTE(shimmers @ Mar 15 2018, 12:51 PM)
Hi dear Sifus,

My case :
1 yr new car , under warranty still. i got hit from back by car, he was trying to hit n run n i managed to get him, he was drunk.
I made police reported on same day, n next day he made his police report.

Need your advise as per below:
1) Police advised me do not include other party "suspected drunk n drive" in the report, as this will hard to claims insurance, is this true?

2) i want to claims other party insurance, i got my police report n try to submit claims to my car service center, but they required accident report from other party and final report from traffic police which approx need 2 weeks only can get. Are those report mandatory ?

3) How likely the final report from police will in favour to other party who at fault? Am concerning the other party twist the story n affect the final report n cause me cant make claims on his insurance. (i was slowing down as there was a bike cross my lane, but he couldnt stop n hit me from back.)

Thank you for your help in advance. smile.gif
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1) Yes. better dont

2) dont claim from other party insurance. Lambat. read my first post. call your insurance, tell them u wanna claim od kfk. those report is mandatory and that report is the only way to restore your ncd.

3) it will 100% sure favour to u. He failed to maintain safe distance.

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