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 Accident 101: i teach u claim loss of use

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melt
post Feb 17 2017, 10:32 AM

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keputusan need to take by owner itself?

workshop cant help to take?
loui
post Feb 17 2017, 10:37 AM

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QUOTE(melt @ Feb 17 2017, 10:32 AM)
keputusan need to take by owner itself?

workshop cant help to take?
*
nope

bukit aman send memo to all police station

only person involved & appointed lawyers can get it

but most of workshop people got cable, can easily get it
melt
post Feb 17 2017, 10:39 AM

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QUOTE(loui @ Feb 17 2017, 10:37 AM)
nope

bukit aman send memo to all police station

only person involved & appointed lawyers can get it

but most of workshop people got cable, can easily get it
*
I see

Thanks
TSsaigetsu
post Feb 17 2017, 11:02 AM

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QUOTE(melt @ Feb 17 2017, 10:32 AM)
keputusan need to take by owner itself?

workshop cant help to take?
*
QUOTE(loui @ Feb 17 2017, 10:37 AM)
nope

bukit aman send memo to all police station

only person involved & appointed lawyers can get it

but most of workshop people got cable, can easily get it
*
possible. i accident at taiping, two weeks later i sent my car to approved workshop at tampin, without the keputusan. but i gave the workshop the phone number of the inspector in charged.

2 weeks later, workshop called - my car was ready.

8 months later when i was about to renew my insurance, i realised my ncd zero. i called amgeneral ask nicely why the f my ncd zero, i was not at fault. next day, i checked my ncd at amgen still zero, but when i checked at etiqa (purchase online), my ncd has been restored.

kaotim.

This post has been edited by saigetsu: Feb 17 2017, 11:03 AM
Taeng9389
post Feb 17 2017, 11:09 AM

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was rear ended a couple days back, other driver agree to go report, told him that im gonna claim his insurance, he agreed,
since he bang into my car, us both went to report at police station, exchanged contact number, sent my car back to dealer body and paint,
intend to claim lost of usage, so, should i inform the opposite driver's insurance company beforehand ?
TSsaigetsu
post Feb 17 2017, 11:57 AM

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QUOTE(Taeng9389 @ Feb 17 2017, 11:09 AM)
was rear ended a couple days back, other driver agree to go report, told him that im gonna claim his insurance, he agreed,
since he bang into my car, us both went to report at police station, exchanged contact number, sent my car back to dealer body and paint,
intend to claim lost of usage, so, should i inform the opposite driver's insurance company beforehand ?
*
no need inform, just submit claim.. save time.
Taeng9389
post Feb 17 2017, 12:31 PM

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QUOTE(saigetsu @ Feb 17 2017, 11:57 AM)
no need inform, just submit claim.. save time.
*
by submitting claim, do you mean i have to submit a letter and all the relevant paperwork to the insurance company ?
don't think dealer B&P got any runner for this, they even ask me to go collect the accident result / report myself
lizarazu83
post Feb 17 2017, 01:08 PM

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QUOTE(saigetsu @ Oct 1 2014, 09:59 AM)
Whenever people bang u.
1. u can claim OD kfk (own damage knock for knock)- preferable, ncd wont loose, faster, less hassle
2. u can claim third party against langsi - ncd wont loose, slower claims process, more hassle, u might getting less that what uve paid.

Y? im lazy to explain.

whenever your car at workshop for repair, u cannot use your car. but u can claim loss of use as u unable to use your car.

LOSS OF USE (LOU) claims a.k.a Compenssation assessed repair time (CART)

1. u can only claim from third party insurance. ask your agent.
2. For case no.1 above, after u make claim from your own insurance under ODKFK, u have to claim against 3rd party for LOU. a bit hassle
3. For case no.2 above, u claim one shot lah since u claim from third party anyway.

Scale of Compensation for Assessed Repair Time (CART)

Vehicle Type
Private Use Vehicles
Up to 1500 cc - RM 30
Above 1500 cc up to 2000 cc - RM 40
Above 2000 cc - RM 50

Motorcycles
Up to 250 cc - RM10
Above 250 cc - RM15

Terms and Conditions
1. The above scale defines the minimum amount payable by third party insurers for
CART claims where the claimant is unable to produce satisfactory documentary
evidence, receipts, etc. to support his/her claim for CART.

2. In cases where receipts can be produced for vehicle rentals, insurers shall pay
the amount shown in the original receipts
and original car rental agreement
subject to the principle of indemnity and subject always that the claimant shall
only be entitled to the rental of a vehicle of an equivalent nature to the damaged
vehicle. Such rental must be only from a rental agency/company duly registered
and licensed by the relevant authority.


3. The number of days for computation of CART shall be based on the independent
loss adjuster’s recommendation on the number of days for repair
of the damaged
vehicle subject to the insurers’ discretion to apply an additional seven working
days grace period for unforeseen delays.

http://imgur.com/5AxuEVq
no.3 is the tricky part, coz adjuster u know lah...

sekian. Thank you
*
WoW..very informative thread.. thumbup.gif
Lada Putih
post Feb 20 2017, 10:53 AM

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Hi
My gf got into an accident
Gf main road and the other guy come out from junction and his view was blocked by big parked bus
So when he come out separuh then crash

So what is the protocol
1. Exchange details phone number and ic and name and carplate.
2. Take pictures of cars damage and everything
3. Go to IPD to get pulis report
4. What should I do next?

Should I go to his OUG workshop?
Or should I go straight to dealership car coz car is new less than 6 months somemore.

Can any sifu help?
First time kena

I am at IPD now

This post has been edited by Lada Putih: Feb 20 2017, 10:54 AM
TSsaigetsu
post Feb 20 2017, 11:00 AM

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QUOTE(Lada Putih @ Feb 20 2017, 10:53 AM)
Hi
My gf got into an accident
Gf main road and the other guy come out from junction and his view was blocked by big parked bus
So when he come out separuh then crash

So what is the protocol
1. Exchange details phone number and ic and name and carplate.
2. Take pictures of cars damage and everything
3. Go to IPD to get pulis report
4. What should I do next?

Should I go to his OUG workshop?
Or should I go straight to dealership car coz car is new less than 6 months somemore.

Can any sifu help?
First time kena

I am at IPD now
*
1. get his phone number, vechile number, picture of damage both vehicle
2. call your isnurance inform, ask want to claim own damage and
3. report police. wait for keputusan ( 2 weeks time)
4. in the mean time, send vehicle to service centre to for repair and claim insurance.
Lada Putih
post Feb 20 2017, 11:32 AM

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QUOTE(saigetsu @ Feb 20 2017, 11:00 AM)
1. get his phone number, vechile number, picture of damage both vehicle
2. call your isnurance inform, ask want to claim own damage and
3. report police. wait for keputusan ( 2 weeks time)
4. in the mean time, send vehicle to service centre to for repair and claim insurance.
*
Won't loss ncd?
TSsaigetsu
post Feb 20 2017, 12:28 PM

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QUOTE(Lada Putih @ Feb 20 2017, 11:32 AM)
Won't loss ncd?
*
kata new car, no ncd.

even if your gf have, wont affected. the other driver at fault mah.

unless the other party is somebody, pay police, and the keputusan was against ur gf
Lada Putih
post Feb 20 2017, 01:03 PM

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QUOTE(saigetsu @ Feb 20 2017, 12:28 PM)
kata new car, no ncd.

even if your gf have, wont affected. the other driver at fault mah.

unless the other party is somebody, pay police, and the keputusan was against ur gf
*
Ok

Thank you tho
Now going to mazda for fix and hopefully everything goes to plan

Need to wait 2 weeks or something for keputusan pulis
chikuera
post Feb 22 2017, 10:01 PM

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kena bang with motorcycle. im using car. indo summore

police said hard to claim one

how?
TSsaigetsu
post Feb 22 2017, 11:13 PM

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QUOTE(chikuera @ Feb 22 2017, 10:01 PM)
kena bang with motorcycle. im using car. indo summore

police said hard to claim one

how?
*
try je la claim third party.
chikuera
post Feb 23 2017, 09:56 AM

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QUOTE(saigetsu @ Feb 22 2017, 11:13 PM)
try je la claim third party.
*
but need the moto rider to report also..so far, no report by them..call no pickup one
TSsaigetsu
post Feb 23 2017, 05:43 PM

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QUOTE(chikuera @ Feb 23 2017, 09:56 AM)
but need the moto rider to report also..so far, no report by them..call no pickup one
*
threat him will sues. u can still claim, need to know his plate number. and then get to know his insurance company. and then make statutory declaration say dis guy didnt report. and claim loh
chikuera
post Feb 23 2017, 07:26 PM

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QUOTE(saigetsu @ Feb 23 2017, 05:43 PM)
threat him will sues. u can still claim, need to know his plate number. and then get to know his insurance company. and then make statutory declaration say dis guy didnt report. and claim loh
*
i have his no plate..how to check his insurance company? can check online?
TSsaigetsu
post Feb 24 2017, 12:51 AM

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QUOTE(chikuera @ Feb 23 2017, 07:26 PM)
i have his no plate..how to check his insurance company? can check online?
*
at jpj. rm10. inform ur insurer as well.
chikuera
post Feb 24 2017, 10:23 AM

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QUOTE(saigetsu @ Feb 24 2017, 12:51 AM)
at jpj. rm10. inform ur insurer as well.
*
ok thanks!!

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