I understood now.

I don't mind to lose my NCD to fix my car, I am just not happy that the guy banged my car and ran away just like nothing happened.

Just called my insurance company, they told me to drive to their authorized workshop ASAP.

If the police investivation outcome said the guy at fault, I can claim insurance without losing NCD.

if my fault, NCD forfeited.

Hopefully I understand correctly.

Yes u r correct. Do update us if u manage to claims against him particularly on the Statutpry declaration... wjether u need it do it or not.

I think I will claim my own insurance and lose my NCD to avoid the hassle.

Even the sergeant suggest me to repair with my own money.

The sergeant said "Kalau tu orang tak buat polis report, tak boleh buat apa-apa juge, baik u pergi repair tak payeh claim insurance, nanti NCD jadi kosong"

I guess maybe the sergeant is too tired to entertain me at mid night.

This post has been edited by WiLeKiyO: Jan 20 2017, 01:44 AM

Dont listen to that police la. Typical police ma... u dont become like typical malay boleh x even u r not even one...

Ncd u kumpul over the years mana tau one day u wanna buy merce, 55% discount is like rm2000 saving yo. Who wanna give?

Ive audited many claims files, insurance pay one.. provoded there is statutory declaration.

The guy finally made police report.

He just called me and verbally agreed to pay the repair bill, and the sergeant ask me to close the report tomorrow morning.

Right now I am very afraid the guy do not keep his promise, later send him the bill he ignore me.

This post has been edited by WiLeKiyO: Jan 23 2017, 12:58 AM

Hi again sifus,

Got an advice from BNM Link to approach the insurance company. I communicate with them via phone calls and emails.

The insurance company had sort of 're-looked' into my case but then insisted me to provide them with enough documents, especially medical history, etc...
I couldn't produce any docs on medical but insisted that my family and i had several visits to traditional health/medical practitioners of some sort (i.e dukun/bomoh/sinsei - not legit registered, of course).

Failing to fulfil their request promptly, they called me up to offer me some 'meagre' amount of compensation - just a couple of thousand for the worst nightmare of our lives (we had experience the worst accident that no word could describe). The insurance co seems ignorant to the fact that any accident is traumatic and very stressfull. To us, the trauma is unpayable with money.

When i asked the insurance, what is the role/commitment of the offending bus company, they didn't give me the answer. I am holding them as trying to settle with me on their own part and leaving the company 'untouchable'. At least the 'offending' company call me up or provide me with a line of their response.

Now, like i said earlier they made an offer to compensate us for a couple of thousand but i haven't responded yet.

I am still seeking ur advice - is it wrong for me to ask for the compensation to be raised? Beneath the raise request, i put up an example which sounds something like this - "If i am to offer somebody tens of thousand of ringgit, and then make him stand in the middle of the road to let me knock him down, will he 'agree'? No, definitely not. Thus i am asking for an increase - use something like "budibicara" and "perikemanusiaan... etc...etc... and not merely relying on the book in considering an amount of compensation..." (I haven't engaged any legal yet, as i am afraid the legal guy would demand a high legal fee). If it's OK for me to ask for a higher compensation, then i'll reply to the insurance company offer.

Please advise further, bros n sis, n thank you very much.

This post has been edited by newsreadr7: Jan 26 2017, 12:23 AM

Can. Ive seen a case a doctor write a letter 2 3 times liao fight to increase the compensation. Finallyboth parties settle amicably. Go for it.

Tyvm tuan sifu.
I m still refraining myself from penning down any words which might deem to become offending to my reader, even though it's only an ordinary email interaction. Thank you very much again

i got my keputusan on 28 Dec 2016...accident on 1 Dec 2016..till now the workshop has not called me to bring my car to fix...already 2 months now...insurance already approved the claim..workshop delays me..said not yet get the parts...wtf..

conti car?

Guys, just a quick talk over here.

Some time ago, this lady banged into my car. She refused to pay compensation without doing police report although she was in the wrong (banged my car while the traffic light is red).

So I kind of being very stern that if you do not pay up the compensation, we go to the police station. So I went separately to the police station and also told her to go there ASAP. Now both of us done the police report but she REFUSES to give the report from her to claim the insurance loss from her side. What am I going to do? Should we just sue her, she banged my favourite car and yet she can get away with this? Is there another way to claim the report?

Now I'm having sleepless nights over this, will appreciate the prompt reply.

go to police and say u wanna claim insurance. u dont need her police report as in asked her personally. police will do it for u. after u tell police, they will do investigation and give u keputusan. based on that she will get summoned. u go kolek kepuusan and pay small fees, police will give u her police repirt as well. pass the doc to insurance company.

what u need to do now is calll your insurnace company informed u involved in accident and want to claim od kfk. then go to police do as above.

call that women say to her u dont chi bye and u will get summon. unless she is somebody.

I do not think she is a somebody, but anyway, will do the aforementioned steps in the above, thanks for the advice.

japan car..

i wonder why the insurance company/agent do not publish this information. or maybe im just blind when looking at their website

if u go ro the office there will be a pamplet on insurance info by bnm.

website insurance info oso got.

but yea awareness is lacking

hi TS, it is me again. the accident v motorbike. report in favor on me but insurance said under section 52(2) cannot claim except deduct ncd.


Attached thumbnail(s)

Dalam hal sesuatu kemalangan seperti yang tersebut dahulu
pemandu kenderaan motor itu dan, jika terdapat lebih daripada satu
kenderaan motor, pemandu tiap-tiap kenderaan motor itu, hendaklah
melaporkan kemalangan itu di balai polis yang berhampiran sekali
dengan seberapa segera yang semunasabahnya praktik dan dalam
mana-mana hal dalam tempoh dua puluh empat jam selepas
berlakunya kejadian itu, dan hendaklah mengemukakan kepada
pegawai yang menjaga balai polis itu lesen memandunya dan, jika
dikehendaki sedemikian, perakuan insurans yang dikeluarkan di
bawah seksyen 90 Akta ini.


u didnt report within 24 hours meh?

got. that is against that motorbike? not me right?

i dunno. y not u ask insurance. if u report within 24 hours, should be atated in your report time and date.u