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 Accident 101: i teach u claim loss of use

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TSsaigetsu
post May 18 2018, 02:48 PM

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QUOTE(JustcallmeLarry @ May 18 2018, 02:45 PM)
Hey bro, I also just got my Lou offer. The certified true copy of bank statement is it really necessary? Bcs there is sensitive information that they will see if I send them my bank statement.

Can I just give a copy of my bank book? The first page???
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no u go to bank they print jletter that just say that is your account only. official bank stamp and signed. no need to print ur own
TSsaigetsu
post May 19 2018, 05:14 AM

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QUOTE(JustcallmeLarry @ May 18 2018, 02:58 PM)
The letter that bank will print will show my past few bank transaction records???
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sorry i was inrush replying your post.


no it will show no figure. the letter will just say ur name is the owner of this xx acc.

signiture olus stamp.
TSsaigetsu
post May 22 2018, 07:15 PM

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QUOTE(flintbatu @ May 22 2018, 05:24 PM)
Hi Saigetsu,

Hope you remember me. My car, CX5 was involved in a minor incident in Jan 18. I have asked and received valuable advise from you.

Claim under OD-KFK and received the CART payment already. My insurance is Takaful Malaysia and the third party is Maybank. Maybank had pay the CART. It is the third party fault

Now, today is the new anniversary of my road tax/Insurance. I have renew it with Takaful Malaysia. As advised I have written to ask on my rebate for no claim but the Customer Service rejected since she say I have made a claim during the year. I have a copy of the email.

My question it is advisable to make a complaint to BNM on non payment of the 15% rebate? Or it is TM right not to pay me the rebate?

Your advise will be appreciated.

Thank you.
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complaint je. see their response. im pretty sure they will play around with fineprint.
TSsaigetsu
post May 23 2018, 08:23 AM

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QUOTE(peja5081 @ May 23 2018, 06:16 AM)
Hi all, i want to ask until now adjuster no come check my car?what should i do.who should i call?.workshop said adjuster otw2 but until now no come.
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follow up with rye company. not workshop. cos insurance is the one who assign the adjuster to your car.
TSsaigetsu
post May 23 2018, 08:48 AM

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QUOTE(peja5081 @ May 23 2018, 08:28 AM)
My insurance under zurich takaful.so i direct call zurich?
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yup
TSsaigetsu
post May 24 2018, 05:56 AM

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QUOTE(peja5081 @ May 23 2018, 11:29 PM)
Is there any issues why adjuster wont come and keep delay?i have been an accident almost 3 week now.i only got 1 car so i dont leave my car at workshop.i said to workshop call me when adjuster come and i will send my car bcoz my work time quite flexible.maybe bcoz damage not seriouse they wont repair?between accident is not my fault.
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not enough staff? i dont know. adjuster is a third party. not really from the insurance company. adjuater is an independent panel to assess your car damage. i guess this one not really a reputable one. keep bugging the insurance company. better get one name, and keep kacaubthe same person
TSsaigetsu
post May 24 2018, 05:47 PM

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QUOTE(masaharuendo @ May 24 2018, 03:46 PM)
Hi TS,

I involved in accident in February and got my car fixed after almost 2-months (57-days to be exact).

I submitted the Loss of Use claim from the other car's insurance (the accident caused by the other car's driver), and they only approved for a mere 14-days.

I questioned them, and they ask me to re-submit the claim.  From your experience, are they going to approve more?

The insurance company is AmGeneral Insurance.
Thanks in advance TS. smile.gif
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coz inpendent adjuster is of the opinion that the repair should only takes 14 days. yes u can appeal. usually yes. good luck
TSsaigetsu
post May 24 2018, 05:51 PM

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QUOTE(tikaram @ May 24 2018, 04:12 PM)
hi TS

My daughter just hit someone from her back and she panic hit infront wall.

So she wanted to pay the car got hitted  Rm120 as it was her fault. ( the other female driver demand 120)

My daughter car  NCB will gone about RM800 if she claim inurance.

The car repair cost will be around RM850

Should make police report or not and claim insurance?
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bayar 120 je. no need report. but make sure u have evidence that u pay 120 to kawtim everything
. but kete your anak repair cost berapa? berbaloi ke rm850 vs repair cost of your doughter car?
TSsaigetsu
post May 31 2018, 04:35 PM

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QUOTE(JustcallmeLarry @ May 31 2018, 03:19 PM)
Hi sifu, last question from me here. This morning i got an email from bank standard chartered saying they have already bank in my lost of use money. I got this email at 11am and been checking my bank acc every hour since but still no money.

From what i told there 2 type of online banking, instant and a slower one? Usually these banks which use which one??? Or did they bank it to wrong account?
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double check with co. ur acc no
TSsaigetsu
post Jun 1 2018, 05:06 AM

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QUOTE(JustcallmeLarry @ May 31 2018, 08:50 PM)
lol when i call them they like to push my call around. Whole day i check my account still no money. But email from bank said they already bank in???
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they cannot confirm the acc number?
TSsaigetsu
post Jun 25 2018, 08:51 AM

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QUOTE(jyu_bonk @ Jun 24 2018, 11:23 AM)
Hi sifu,

Recently my car got hit from behind and already in process of claiming 3rd part insurance. Mine is etiqa and the hitter is RHB insurance.

How can I claim LOU and who should I call? My insurance or hitter?

Sorry, 1st time involve in this kind of thing.
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contact RHB.
TSsaigetsu
post Jun 25 2018, 08:54 AM

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QUOTE(area61 @ Jun 24 2018, 09:28 PM)
I was driving thru a green light on my lane on a cross road. A motorcycle from the opposite lane broke the red light on his lane and crashed into my car when i was in the yellow box on the crossroad junction.

The motorcyclist does not have licence. How to I proceed from here? Make a police report and claim the biker insurance? My bumper, bonnet, fender and front lights gone. Biker was not injured as the bike landed on my car.

Do I have to claim my NCD?
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2 possibilities

1: try luck claims against the motorcycle insurance. 1st of all, make sure your [police report say the rider did not injure at all. 2nd ly try identify wh is the owner of the motorcycle, and get to know the insurance. U can get from jpj.

2. contact malaysian insurance bureau. https://www.ibanding.com/what-to-do-when-so...nocks-into-you/
TSsaigetsu
post Jun 27 2018, 05:39 PM

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QUOTE(j_coolman @ Jun 27 2018, 04:48 PM)
Hi guys,
Need some of your advice.. this afternoon my car got hit  from the side when the offender car come out from parking..
We agreed to settle peacefully, so he bring me to the knock and painting shop which he paid for the deposit RM200 (total to fix is rm500) and will settle the rest when my car's done. He refused to let me take his IC//Driving license photo but i'd take his road tax and car plate number.
I haven't let the shop  fix my car yet. Should I go report police and have to paid rm300 for the report?
I'm quite worry that if I done fixing my car and that guy refuse to come to settle the outstanding amount.
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then u should refuse in the first place.

if he didnt report, additional hassle for u to claim his insurance.

TSsaigetsu
post Jun 28 2018, 08:46 AM

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QUOTE(j_coolman @ Jun 27 2018, 05:51 PM)
Ya, when he first come down and apologies said will responsible for it.. I immediately agreed to settle peacefully de.. sad.gif
Now after he said only settle all when my car done fixing, I start worry de.. guess I can only think of another solution if he really is those unresponsible ppl..

Is it possible for me to go jpj check for his car insurance then go his insurance workshop claim for 3rd party claim..
I won't mind run here and there if he act like this lol..
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yes can. but did u make police report within 24 hrs?
TSsaigetsu
post Jun 28 2018, 08:46 AM

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QUOTE(j_coolman @ Jun 27 2018, 05:51 PM)
Ya, when he first come down and apologies said will responsible for it.. I immediately agreed to settle peacefully de.. sad.gif
Now after he said only settle all when my car done fixing, I start worry de.. guess I can only think of another solution if he really is those unresponsible ppl..

Is it possible for me to go jpj check for his car insurance then go his insurance workshop claim for 3rd party claim..
I won't mind run here and there if he act like this lol..
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yes can. but did u make police report within 24 hrs?
TSsaigetsu
post Jul 1 2018, 04:13 AM

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QUOTE(rcracer @ Jun 30 2018, 11:13 PM)
Noob question, first time today

After make police report , am I able to get copy of third party report also?

For OD KFK.
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yes. onky after u buy the report keputusan. which u will get after 45 days? cant remember.
TSsaigetsu
post Jul 11 2018, 03:23 PM

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QUOTE(tropicanagolf @ Jul 11 2018, 07:49 AM)
I'm driving a 2017 c class and got hit by another car, can I rent a c class or 3 series from a car rental company? As long as I can produce receipt? C class I have to rent from that local limo company in plaza damas. If it's 3 series I can get from Hertz.
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you can. same cc. but to avoid any dispute, better u consult insurance company that you are claiming

nanti you rugi.
TSsaigetsu
post Jul 16 2018, 01:31 PM

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QUOTE(nasiayam @ Jul 16 2018, 12:08 AM)
Hi bro saigetsu, understood this thread is for claiming loss of use, but appreciate if you could share your experience on the below!  notworthy.gif

My car (20 year old saga) was hit by a motor (normal motorbike, 125cc type i think) from behind last weekend. Both of us have made police report. The motor rider stated his police report that he hit my car from behind, and he was fined. I wasn't fined. Keputusan report will only be ready in another week.

My car insurance is 3rd party (Tune Protect), while the motor's insurance is comprehensive (Allianz).

I'm planning to claim the motor's insurance and loss of use. I'll be repairing the car at a workshop that doesn't do insurance claims because need it to be repaired fast, thus will pay first and claim later. The repair cost is estimated to be RM 1000.

I need the loss adjuster report to claim the motor's insurance. My insurer and the motor's insurer say i need to get the report myself. A loss adjuster i contacted say the report will cost around RM 500 for damages below RM 5000.

Question:

1. The loss adjuster quote me around RM 500 for the loss adjuster report, the amount is reasonable?

2. The loss adjuster say the insurer will reimburse the fee for the adjuster report, on top of the repair cost for my car, is this true? Say the loss adjuster report cost RM 500 and repair cost is RM 1000, i'll get RM 1500?

2. Since I need to fork out RM 500 first for the loss adjuster report, would like to know how likely my claim on motor's comprehensive insurance would be successful ? I've asked a relative, he say very hard to claim motor insurance...

Thanks!
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1. not sure
2. why u pandai2... haiyo.. if let say insurance company think rm1000k is too expensive how?. just try ur luck and update here. ull get ur rm500 back. yhis one confirm.
2?. sucess.
TSsaigetsu
post Jul 23 2018, 08:45 PM

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QUOTE(serez @ Jul 23 2018, 05:41 PM)
i just completed insurance claim for recent accident from 3rd party. repair work done within less than a week. kudos p2 nilai!

and now i'm about to submit loss of use claim to 3rd party insurance and i noticed that the 3rd party insurance only approve rm30/day. dei, wanna rent a car nye pun cant cover the cost. so my questions are :
1. can we propose to the 3rd party for reasonable loss of use claim?
2. can the loss of use application via email?
3. some said that if we send the application via post they (3rd party suren) wont acknowledge it.
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cannot. coz bank negara guideline.
they need original copy, how to email
i send usimg post ok je.
TSsaigetsu
post Jul 28 2018, 07:06 PM

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QUOTE(AllnGap @ Jul 28 2018, 04:02 PM)
Hi bro. Wanna ask u.....

I got bang by another car. Police report all settle d.
Will be sending my car to mazda after their adjuster decide on the repairs.
Repairs might take 7-14 days as need to spray a bit.

How do I go about claiming that duration which I don't get to use my car.
I got a spare car, just I wanna claim it cuz their repairs might not cover all the damage.

Thanks !!!
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call the culprit insurance, ask them what doc they need. then write a letter to them, with supporting document.. usually the keputusan from pilice, police report, ur ic driving license and adjuster report if they did not have it.

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