Hi everyone. Just got banged behind by a motorcycle. The story is like this.

Was driving from zoo negara to UK Perdana to pickup a passenger (I'm an Uber driver). I knew the way to go UK Perdana was a bit further upfront but then my waze said turn left. I panicked all of the sudden, hit the brake without realizing there's a motorcycle behind me. I saw him skidded on the road and then he hit me. He only suffered a little bit scratch here and there but his motor(a 125cc probably. Not sure) rear view mirror was broken and got some scratches. My car though was dented and my rear lamp on the left was broken.

Long story short, I agreed to bear his cost to repair for his bike, then I sent my car to a workshop. It will cost me RM16xx to fix my car.

I still haven't done any police report yet. Should I go and report it? Can I claim from my insurance company? My car is only 3 months old. I asked the workshop guy, he said it's better to pay cash instead of claim from insurance. Is it true?

3 months old claims insurnace je la. no ncd to lose pun. go make police report la.

1600 repair bill

3 months old car

NCD nil

possible biker make injury claim

might as well just do an OD claim

if don't want to involve the biker, just put "unknown m/sikal jenis XXX langgar belakang kereta saya"

make sure don't admit make emergency brake to turn & don't mention about picking any passenger (UBER is illegal in insurance POV)

Hi there, recently my myvi got bang by a trailer/lorry, serious damage, facing a lots of issue for claim, hope that you all can give some advise

1. 08/02/2017 - My myvi bang by a trailer from the side
2. At first, my car was tow to my friends workshop, then I am advised to send my car to perdua panel due to it is 3.5 years car, consider a new car, can claim original parts
3. 14/02/2017 - Tow to Perdua Panel
4. 22/02/2017- Keputusan out, its the trailer fault, submit all documents to Perdua
5. Perdua claim advisor advise me to contact the insurance company myself, to ask whether I able to claim OD KFK, without further explanation, just ask me to call.
(To be honest i have no idea wat is OD KFK, third party claim before this)
6. I call Aianzz,
1st advisor
advisor said normally if involve commercial/public transport, cannot claim OD KFK, can only can on third party.
2nd Advisor
Can claim on OD KFK if the trailer is less that 10 tan. (But the trailer is more than 10 Tan in my case)
7. I call up perdua to inform what Alianz told me, and hope to claim on third party, but Perdua advisor told me Perdua did not do 3rd Party claim, can only claim OD KFK.

Its been 3 weeks, my car still in perdua workshop but yet to fix
So in this case should I repair my car in Perdua but claim on OD? or should I go outside panel to do 3rd party claim?
(someone told me, even outside workshop can claim original parts)

u can either
u shouldnt have to bear all this hassle. see they keep pass the responsibilty to u. u already gave all the docs and yet stupid allianz cannot give decision. u call them say wanna talk to complaint dept. say that u already did what uve u told and car havent been fix. threathen them u will write to ceo and report to BNM LINK for the hassle u exp. ask them what is their final advise.

actually u dont nees their final advise. since ur car still havent repair, dont think u cant afford to wait any longer. just claim third party. od kfk can be a very hassle pprocess when its not onvolve a car.

ask stupid allianz to tow ur car to their approved workshop then. allianz can be asshole too judging how arrogant his ceo.

In the end, I ask Perdua to submit as OD KFK, if cant then will be OD.
Have no choice , because outside panel might able to claim third party faster, but my car damage is too serious, everyone advise to back to Perodua. Perodua guy told me actually they can claim 3rd party, but most of them don't want to do so, because it might take up to 6 months-1 year.

Aiksss, the trailer driver get 1 saman RM300, the victim have to lost NCD, pay for towing, have no car to use (2-3 months), take grab everyday

dafaq u need to pay tow. keep receipt and claim back from allianz. next ttime accident happen call ur insurnace ask them tow for free.

u have a choice to send to third party. u dont trust them based on hearsay?

ncd byk bang.. rugi

dafaq u need to pay tow. keep receipt and claim back from allianz. next ttime accident happen call ur insurnace ask them tow for free.

u have a choice to send to third party. u dont trust them based on hearsay?

ncd byk bang.. rugi

if repair time around 3 months, might as well do TPPD yourself

note that you have to DIY or get a lawyer to do for you if initiating TPPD claim

see my post for guideline

and you can also claim back the cost incurred for taking grab

seriously, not very complicated, just slightly tidious

If car more than 5 years old and someone else crashed into my rear, still can claim from the person's insurance for new body parts & repair costs?

must ask loui

If via TPPD, then can

TPPD doesn't subject to insurance policy much, more on your negotiating skill

This post has been edited by loui: Mar 2 2017, 08:52 AM

My car was parked at the grass area next to the road near Pantai Hillpark Condo. I seldom use the car, maybe 4-5 times a year. Last month one car crashed into the back of my car that was parked there. Someone call me at work n i came home to see the car. The problem now is, during that time my car road tax & insurance just expired. I do know the car registration number of the car who hit me. Can i still make 3rd party claim over his insurance since the police result report said he is at fault.

yes. find good lawyer pls.

15/2 - car got rear ended, sent into workshop
7/3 - finished repair, claim under OD-KFK

double checked with workshop, whether can claim loss of usage, they say can, even printed out a notice of claim for me, so, after handover the docs to insurance company, just wait for their news ?

yup. but which address? agent address or ur address. contact person?

mine, just noticed that the letter doesn't have any contact method other than address, guess i'll have to re-type the letter myself,
the thing is, the workshop clerk typed RM50 x 7 days, but my car is a 1.5, so, should i just leave it as it is, or should i change it to RM30 x 7 days ?

try your luck lor? y not heheh.

but im sure they can detect one.

haha, typed rm50 x 7, give them deduct, lol

Short answer: No, google search on "insurance betterment"

Long answer:
1) Insurance will replace similiar age old parts from chop shop with similiar wear & tear or years. If there are no old parts, you need to top up for the new part.
e.g. chop shop old part rm300, new part rm500, you need to top up rm200. Insurer will only pay rm300 max.

or

2) You can request to install new parts, with agreement you will top up the difference.



The other party insurer is not stupid either and will try to lower their claim cost.