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

lost my accumulated NCD now

thanks to a woman,

share la story.... 

nvm

i just have a question, once i make police report, do i need to pay the police and wait 14 days for the photo and the other documents to claim insurance

yes. RM12 or RM16 cant recall

from your experience, how successful insurance company recover from their insured?

me trying to come out from t- junction, to turn right
road to left is jamming, road to right is smooth
woman from road to left so nice stopped and give way me go out
me car came out half of the road already and check out any car from left
me see no car from left so push pedal
women car suddenly moved in front of me
boom

i cry

women want to give way but dont want to give way. woman trapped me and me fault, paid summon + lost ncd

less the 0.01%

that few times also because the owner is a big company. Threaten to lingkup them if don't pay up
in woman theory, yes mean no, no mean yes

kecian

next time don't trust them

anyway got question. i got this one case.

langgar lari case. Insured said she didnt drive the car during the accident. probably her son drive the car and hit people and ran away. but thats not the whole point.

so third party make statutory declaration said that her car hit his car. no picture as prove at all.
so insured didnt realised that got people claim against her insurance until she wanted to renew her policy.

theres timing issue, which has caused company need to clawback the ncd. now
if insured didnt want to pay, how to get back? reduce SI?

thats why when it comes to claim from third party (rempit), most of the time it involves lawyer.

We wish to advise that under the Section C of the Private Car Policy, it states that your NCD will not be affected even if a claim is made if:-
a)      We are of the opinion that you are not at fault for causing the loss

b)      The offending vehicle is identifiable and is not a vehicle used for carriage of passengers for hire or reward (for example taxis, hire cars, public buses, stage buses, school buses and factory buses for hire)

c)      The offending vehicle is insured by a Malaysian licensed insurer

d)      There is no death or personal injury claim involved


There is no issue for the said condition (b) & ©. As for the condition (a), the motorcycle of Wxx1111 being charged by the police under Seksyen 52 (2) which define under RTA as the driver failed to report the accident within 24 hours. However, the police investigation result did not state the motorcyclist was at fault for the causing the accident. As for the condition (d), we need to study the third party police report for Wxx1111 if no injury is reported by the motorcyclist.

In order your NCD will not be affected even if a claim is made,  please arrange to let us have the following documents:-
1)      Police final investigation result

2)      Third party police report for WXX1111


Please do not hesitate to contact us if you need further clarification.

hi bro, update of my  case again. so now insurance company show me this which is in the policy

the sompo manager said section 3(i) & 3(iv) not satisfied them.

1)      Police final investigation result - pls get this, there is a sketch and bla2 in the report to show that motorcycle clearly at fault. the one u show is summon right?

2)      Third party police report for WXX1111

that is the result given by police. spend RM10++ to get it 1 o

3rd party report can get from?

hi bro, update of my  case again. so now insurance company show me this which is in the policy

the sompo manager said section 3(i) & 3(iv) not satisfied them.



the police report result said that police conclude that motorbike is at fault and summon will issue against motorbike. police result as follow:



their formal reply in email as follow

U forgot to note that all these claims only work if the 3rd party reported the case as well.

If hit and run without a proper police report. You can makan sendiri.

mistake is highlighted in red

cant see... blur

mistake is highlighted in red

this is the sample of final report is it?