but claims settlement guideline say for od claim wor. summore third party claim u claim from non panel workshop... insurer cannot control one.

Doesn't matter OD or 3rd party claim, non panel workshop will still claim from the insurer. If non panel even worse, insurer generally pay lower % as non panel generally means "cheating" kind of workshop. That's the reality in Malaysia.

Back to the point, if your repair cost with new part is rm500, or with old/used part is rm300. The insurer only agree to pay rm300 to workshop (no matter panel or not), workshop will still tell you to either accept rm300 parts, or you top up rm200.

Also, most of the time in these cases, non panel will ask you pay cash full amount, then you yourself go claim from 3rd party. You can submit rm500 claim, but the insurer (whether OD/3rd party) will only offer rm300 due to betterment. Accept or not, you bring to court/PIAM/etc. still same.

If you don't want, leave your car in workshop forever, or you tow/drive it to somewhere else. Or with rm300 you buy new parts and install/fix yourself to save the labour cost.

ic make sense oso. then use old part lor. as lomg as ori.

for Loss of Use, anyone have claim for those expenses incurred like buying the keputusan, police reports? my claim insurance officer told me can...

go bring police report and ask wanna buy keputusan. rm12. then call third party insurnace and claim lorh

I mean to claim the third party insurance for all the cost incurred eg. loss of use, RM spent for police reports, keputusan

yes. can

Need some advise if i can claim LOU on my recent accident

Facts:
- Motorcycle bang into my car, his fault for ramming into me at the traffic light.
- Police report made.
- Claimed my own insurance for the repair since i can't claim motorcycle's insurance.
- Took almost a month to complete the repair.
- Kurnia is my current vehicle insurance company.

Now, when i check with the service center who did my claims, they say i can't claim LOU because when i renew my insurance last year i did not opted for LOU (which i didn't know there's an option to opt for it).

I was told i will have to pay additional on top of my sum assured for my yearly insurance.

Am i getting the correct information? Or is the LOU claim something that is already included in all standard insurance policy?

It's optional, rm70 cover up to 14 days if not mistaken.

But some insurance company do come with CART.

yes. since u claim ur own insurance.. u need to havecthe coverage fisrt. unless u claim from mitorcycle insurance, then yes

What;s the current rate for LOU per day? My workshop put RM100 per day..

I don't understand, can i claim LOU or not? And does Kurnia requires additional payment yearly for LOU claims?

in this case, its not your fault. y the heck u claim own damage claim from ur insurance? u should claim thkrd party from third party(motorcycle).

third party cover allow any third party to claim anything from bodily injury, damage to car or otber proerty, loss of use. y? because its your fault tbird party suffer. i type usi g phone.. so please bear with me.
if u claim from ur own i surance, standard insurance cover i.e. first party aka comprehensive will only cover own dMave to ur car, theft, fire. windshid, flood, loss of use u need to pay extra.


to answer ur question, u cannot la since u claim from ur own insurance. since u didnt buy the cover. but u still can claim from that motorcycle insurnace. as third party claim. i jnderstabd u cannot claim from that .otorcycle insurnace. y?

Wait, i can claim car insurance from Motorcycle?

How does that work????? I was told that once a car is hit by motorcycle, it's gg regardless who's fault it is.

But too bad i already done the claim with my own insurance.. sigh

ok need more info. siapa salah dia la bayar.

but if u driving, motrcycle, bixyclw, pedastrian hit u and and they injured... automatically its become ur fault coz for bodily injury, if court found u were nwgligence even 1%, court will blame u.

so in this case, motorcycle hit u, he got injured or not. if he was... then u are at fault lor. (but only if he claim third party bodily injury against u). so cannot claim his insurance.

At first the rider says he is ok, then later he say leg pain can't walk have to call ambulance.. so idk about his injury status

Had an accident last week where car open door and i fly from my bike.

im riding a superbike.

now police report made, insurance customer service say either i claim own insurance or i claim 3rd party. Judgement is car wrong, he illegally parked and open door without looking.

any advise on this part?

they say 3rd party i can pay the damages first, but shop quotation need out and adjuster see how much can claim, adjuster fee also paid by me.

i am afraid it is gona take 6 months, workshop say 3rd party always slow.

This post has been edited by EpicBlue: Mar 22 2017, 12:58 PM

if u claim ur own insurmace, will u lose ur ncd?

I have 0% now. next year i wont get ncd.

new bike ke? damn.

anyway i suggest if u can wait, claim third party. if u injured, claim third party as well.

now days scratch a lil bit 200+ can get d. free money.

summore ur record will clean. from July 2017 onwards, your claims record will influence the pricing. bad risk will attract higher premium.