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 Accident 101: i teach u claim loss of use

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TSsaigetsu
post Aug 16 2018, 09:44 PM

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QUOTE(razuryza @ Aug 13 2018, 02:35 PM)
Can i make LOU claim at the insurance branch instead of hq? The third party insurer is tune protect
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can
TSsaigetsu
post Aug 17 2018, 07:06 AM

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QUOTE(razuryza @ Aug 17 2018, 03:53 AM)
just went to the branch, but they said go to hq much faster process becoz branch also will send to hq.

one more thing, they need the claim letter but not provided. must write myself. anyone can share the loss of use letter sample?
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dear sir

i involved on accident on when with what car plate number at where.hence i would like to claim lou against your insured policy. attached the document for your ref. tq

ic.
TSsaigetsu
post Aug 29 2018, 11:25 AM

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QUOTE(benji @ Aug 29 2018, 11:01 AM)
anyone here from tokiomarine? staff didnt read email eh? i need to waste my phone bills to call to inform? haduih la..
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dont think people dare to reveal where they work
TSsaigetsu
post Aug 29 2018, 02:16 PM

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QUOTE(zabanya @ Aug 29 2018, 12:12 PM)
Got into an accident yesterday, other car hit my car from behind

I've already made a police report yesterday, provide all the video, pics, dashcam recording to sarjan. But the driver who bang my car didn't made any report until now

Need advise, what can I do in this case?
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theres other way. ask sarjan when can u make statutory declaration at pesuruh jaya sumpah - basically report that that cb hit ur car from the back but he didnt make police report.

then u go to jpj pay them rm10 i think to find out what is his insurance company.

then go to any workshop ask them if they do third party claim. if yes, ask them to repair and tell them the insurance company of that cb, give them everything - police report, keputusan from police, staturtory declaration etc.


TSsaigetsu
post Aug 29 2018, 02:49 PM

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QUOTE(zabanya @ Aug 29 2018, 02:41 PM)
It's okay, just got confirmation from the Balai, that other guy already made the police report.

What next to be done, the sarjan cuti today, can only deal with the IO in charge is it? Need to wait for him naik kerja la I guest
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have u call ur insurance company? tell them about the incident. send to ur prefereed workshop. ask what doc that they needed. swnd to them. siap. dont forget to claim loss of use ok.
TSsaigetsu
post Aug 29 2018, 03:05 PM

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QUOTE(zabanya @ Aug 29 2018, 02:53 PM)
Already call Am yesterday. Usually can send to panel workshop right away, or need to wait for the keputusan siasatan first?
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can send right away, the keputusan is only for to restore your ncd back to its original %

i.e. u send car now ncd zero. after they received keputusan, your ncd back to whatever % u have. but please check with them ok after u get back your car.


TSsaigetsu
post Aug 29 2018, 03:07 PM

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QUOTE(Commander Uber @ Aug 29 2018, 03:03 PM)
bro...my case, during accident time, the car that bang my car has expired insurance. So, how am I going to claim from his insurance?
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https://www.ibanding.com/accident-with-unin...u-mib-can-help/

mibs ada. dont worry.
TSsaigetsu
post Aug 29 2018, 03:22 PM

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QUOTE(zabanya @ Aug 29 2018, 03:17 PM)
Which type of claim should I go for? OD kfk or third party?

Call the workshop just now, they said use third party

TQ in advance bro, you're really helpful
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od kfk faster.

because for third party, there are additonal steps which is time consuming. may affect the time taken to repair your car - based on my exp la.

basically for third party, the cb insurer will ask your insurer boleh x repair with xxx amount. if your insurer say x boleh, will take more time for both of them to ding dong. say after both party agreed to repair at rm100, baru your workshop repair.

then the cb insurer will pay the workshop rm100. and will seek reimbursement rm100 form your insurance. weird right?

this is what i understand.

as of od kfk, your insurance directly pay rm100 to the workshop, no need to discuss with any party.

so less hassle and faster.

both claims will not affect your ncd. so your choice.
TSsaigetsu
post Aug 30 2018, 09:14 AM

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QUOTE(urnicksux2 @ Aug 30 2018, 08:18 AM)
My car got bang 3 months ago,got minor scratch and dent not yet repair....already report police and the guy get summon 300....but i didnt claim insurance yet because ppl say too much hassle....whats the best option for me?
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no option for you.

u should report immediately to insurance company. 3 months have passed, they unable to confirm if other sracth or dent really originate from the incident.


TSsaigetsu
post Aug 30 2018, 09:15 AM

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QUOTE(Commander Uber @ Aug 29 2018, 04:08 PM)
But this only covers injuries, not damaged car...
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oh sorry my bad. hire a lwyer and sue him.
TSsaigetsu
post Aug 30 2018, 09:16 AM

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QUOTE(benji @ Aug 30 2018, 09:00 AM)
i forgot the term of claiming the rental car.. anyone remember? between LOU and that claim.. the insurance will pay only one rite?
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yes. either you rent a car (please call insurer what car u can rent) or loss of use RM per day.
TSsaigetsu
post Aug 30 2018, 03:05 PM

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QUOTE(urnicksux2 @ Aug 30 2018, 02:43 PM)
ok thanks....the repair cost around 200-300....is it too much hassle to claim insurance for that amount?
old man reverse didnt see my car,minor dent
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yup

hassle. coz u may not be able to use your car for 2 weeks. should settle outside. ask him money
TSsaigetsu
post Sep 21 2018, 05:16 PM

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QUOTE(tohff7 @ Sep 21 2018, 04:43 PM)
saigetsu

this signed declaration letter when making OD-KFK? what is it really?

Some said only keputusan report + police sketch will be enough?

EDIT
Somebody bang my car from behind last week. Dented my bumper and bonet.

Made police report within 24 hrs (i think he did also). But I have yet to send in my car to workshop because of the long holidays. Going to do it tmrw and probably get the keputusan report from balai
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Statutory declaration is only necessary when the other party didn't make police report
TSsaigetsu
post Sep 29 2018, 02:57 AM

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QUOTE(bigtoadz @ Sep 28 2018, 09:18 PM)
@saigetsu

Bro, sorry, stray from topic abit. My car was recently stolen. So I made a police report and submitted my claim to the insurance company. Question is, how will they determine how much to compensate? The sum insured for my car is 25 k and I owned a Myvi 1.3 SE (2013)
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Call ur insurance
Ask tgem if u have endorsement 87 in your policy. If yes that means u will get 25k. If not u will get at current market val
Ue. Rulw of thumb go refer to your soecific model at
Mudah or carlist. If they pay less, remember to appeal appeal n appeal.

6 bulan tau kena tunggu. Coz police need 6 months.
TSsaigetsu
post Sep 29 2018, 09:08 PM

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QUOTE(bigtoadz @ Sep 29 2018, 08:31 PM)
So I won’t see my claim until 6 months later? 😞
When I submitted my claim the person said 1 1/2 months if fast, means it’s just words?
She also said depends on how fast the IO close case. So is it fixed 6 months or up to them to close the case early if they want? 

BTW thanks for replying to my post.
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I remember correctly 6 months. I duunno if ur insurance can expidit
! The proce9
TSsaigetsu
post Oct 3 2018, 08:45 AM

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QUOTE(enixcv123 @ Oct 3 2018, 06:42 AM)
Hello All Sifu,

I knocked a dog today and unfortunately the dog couldn't survive.. I didn't take any picture during the incident .. it knocked my bumper and need for a replacement.. so can I proceed to claim under own damage ? And what should I do? I don't have any incident picture and polis report ..
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make a police report first. and call your isnurance to notify them (must)

but.. is it worth it? rugi la ncd. how bad is your bumper?

u need to consider how many % of your ncd
how much are u paying insurance premium per year.


TSsaigetsu
post Oct 3 2018, 11:46 AM

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QUOTE(enixcv123 @ Oct 3 2018, 11:23 AM)
Will insurance company reject my claim? And what would be the consequences after claim, will it affect my ncd for my new car with 55%?
And do you think if i have to pay excess for my own damage claim?

Really first time making claim for own damage.. sweat.gif
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Should be no problem. Will not affect
TSsaigetsu
post Oct 3 2018, 05:39 PM

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QUOTE(jianwei87 @ Oct 3 2018, 05:35 PM)
I'm doing my own insurance claim under Allianz. Am I able to claim the compensation for assessed repair time?
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no unless u bought the cover.

TSsaigetsu
post Oct 4 2018, 09:17 AM

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QUOTE(haru20 @ Oct 3 2018, 09:04 PM)
Hi, my car just hit a lamp post and one side of the bumper and headlights is broken.

Would like to claim OD, may I know what the procedure? can I just proceed to Toyota service centre and fix and request for the insurance claim?

Do I need to pay any fee on the OD claim?

your advice is much appreciated. thanks in advance.
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u have to make a police report and notify your insurance first

but is it owrth it? how much is your NCD. Just a headlamp right. cannot be more than 2000.


TSsaigetsu
post Oct 15 2018, 01:41 PM

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QUOTE(remeron @ Oct 15 2018, 01:09 PM)
Hi Sifu,
This may be unrelated a bit but seriously need some advice.  My friend was making a turn at a traffic light (the traffic allows U-Turn and even has a green U-Turn light to let you know it's your turn).

So when the U-Turn light turned green, my friend made the turn to the right and suddenly a motorcyclist hit her passenger side door very hard.  The man was conscious and all but was sent to hospital.

The question now is not really about claims, but what's happening and what should my friend do because the situations is like this now.
THe guy obtained a fracture.  Initially he insisted he was right, that his light was green (when obviously it's not), but at the accident scene, when my friend scolded him, he admitted he was wrong.

Now he hasn't made a police report because he's still in hospital.  But now we are not sure whether he will tell the truth.  The car cam wasn't working so we have no evidence that we had right of way.  There was a witness at the scene who told my friend he's willing to be witness because he say the motorcyclist ran red light.

So, what should we do now?
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Nothing u can do. A lawyer will approach ur insurance co. U may need to sttend court or being interviewed by lawyer. Thats all


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