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 Accident 101: i teach u claim loss of use

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EpicBlue
post Mar 22 2017, 01:31 PM

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QUOTE(saigetsu @ Mar 22 2017, 01:27 PM)
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.
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ya 1 week+ kena open door.

if claim 3rd party, can i pay first? scratch also they let u claim meh.
TSsaigetsu
post Mar 22 2017, 01:36 PM

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QUOTE(EpicBlue @ Mar 22 2017, 01:31 PM)
ya 1 week+ kena open door.

if claim 3rd party, can i pay first? scratch also they let u claim meh.
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if claim third party... sorry i dun understand y u wanna pay first?

injured scratch, yes. can. fastest way if you can go straight to that car insurance. say u wanna claim bodily injury.
EpicBlue
post Mar 22 2017, 01:44 PM

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QUOTE(saigetsu @ Mar 22 2017, 01:36 PM)
if claim third party... sorry i dun understand y u wanna pay first?

injured scratch, yes. can. fastest way if you can go straight to that car insurance. say u wanna claim bodily injury.
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coz they were saying if i pay first, i can take out the bike as soon as it is done.

then wait insurance let me claim for me.

if claim 3rd party, should i go his insurance company there notify them? or just notify my own insurance(Bike shop do)?
TSsaigetsu
post Mar 22 2017, 01:59 PM

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QUOTE(EpicBlue @ Mar 22 2017, 01:44 PM)
coz they were saying if i pay first, i can take out the bike as soon as it is done.

then wait insurance let me claim for me.

if claim 3rd party, should i go his insurance company there notify them? or just notify my own insurance(Bike shop do)?
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loui come help. u are pro than me.


epicblue - who said you need to pay first? i never encounter such thing. how do you know the workshop not going to overcharge you?

if claim third party, go to big bike shop who can do third party insurance claim. for bodily injury, fastest way to go to third party insurance company.
loui
post Mar 22 2017, 02:07 PM

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QUOTE(EpicBlue @ Mar 22 2017, 01:44 PM)
coz they were saying if i pay first, i can take out the bike as soon as it is done.

then wait insurance let me claim for me.

if claim 3rd party, should i go his insurance company there notify them? or just notify my own insurance(Bike shop do)?
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if you want to claim 3rd party

1. go JPJ counter to find out who is the insurer for that car
2. submit you doc(police report, adjuster estimation, police investigation outcome) to the said insurance comapny
3. call the insurance company and start negotiate
4. after accepting the offer from the insurance company, insurance company will issue cheque under your name
5. cash in cheque and pay the workshop to fix your bike

the workshop want to skip the 2~4 steps cause it takes time

my advise is to wait for insurance company to come with 1st offer, then use that offer to nego with the workshop

cause insurance company offer sure 30% lower then workshop quotation (workshop mark up & insurance company stingy)

if your nego skill tip top, you might get compensate more then the repair bill

but very very very hard to achieve that

so good luck

mobeus
post Mar 24 2017, 02:05 PM

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My wife drove my car and got hit from side. The car only insured under my name, can i claim insurance?

Plus, the insurance last day is 25th march which is tomorrow
Davez89
post Mar 24 2017, 08:43 PM

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QUOTE(mobeus @ Mar 24 2017, 02:05 PM)
My wife drove my car and got hit from side. The car only insured under my name, can i claim insurance?

Plus, the insurance last day is 25th march which is tomorrow
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U claiming ur insurance? U need to pay rm400 if she's not under 2nd driver. If ure claiming the other party u pay rm400 first then can claim back from his/her insurance
TSsaigetsu
post Mar 25 2017, 11:54 PM

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QUOTE(mobeus @ Mar 24 2017, 02:05 PM)
My wife drove my car and got hit from side. The car only insured under my name, can i claim insurance?

Plus, the insurance last day is 25th march which is tomorrow
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Can. Claim from ur own insurance. U will not lose ur ncd nor pay anything coz tbe other oarty at fault.
SUSMNet
post Mar 26 2017, 11:32 AM

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takaful malaysia reliable?
they provide 25% cash back
TSsaigetsu
post Mar 26 2017, 03:52 PM

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QUOTE(MNet @ Mar 26 2017, 11:32 AM)
takaful malaysia reliable?
they provide 25% cash back
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U wantvbetter? Take etiqa.. got maybank behind them. Also give cash back on top of ur ncd
SUSMNet
post Mar 26 2017, 04:25 PM

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QUOTE(saigetsu @ Mar 26 2017, 03:52 PM)
U wantvbetter? Take etiqa.. got maybank behind them. Also give cash back on top of ur ncd
*
etiqa only 10%
but takaful malaysia give 25% discount.
TSsaigetsu
post Mar 26 2017, 07:38 PM

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QUOTE(MNet @ Mar 26 2017, 04:25 PM)
etiqa only 10%
but takaful malaysia give 25% discount.
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Serious? Demn.. point taken.
SUSMNet
post Mar 26 2017, 07:43 PM

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QUOTE(saigetsu @ Mar 26 2017, 07:38 PM)
Serious? Demn.. point taken.
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yep.
but i'm not too sure how reliable they are.
Hueleegun
post Mar 28 2017, 02:09 AM

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Just had an accident this morning where a motorcycle hit my right rear passenger door after he ran a red light. We both already made police reports, he admitted fault because I have a dashcam.

I have comprehensive insurance under AXA, how should I proceed? The sergeant told me to take my car to a certified workshop where I only need to submit my details without police report and my car and they will take care of it from there, because otherwise I will need to wait for the police report and stuff to be cleared which he said will take 14 days. What should I do? I havent contacted my insurance yet. The motorcycle also has comprehensive insurance.

My car is also still driveable.


This post has been edited by Hueleegun: Mar 28 2017, 02:22 AM
TSsaigetsu
post Mar 28 2017, 02:47 AM

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QUOTE(Hueleegun @ Mar 28 2017, 02:09 AM)
Just had an accident this morning where a motorcycle hit my right rear passenger door after he ran a red light. We both already made police reports, he admitted fault because I have a dashcam.

I have comprehensive insurance under AXA, how should I proceed? The sergeant told me to take my car to a certified workshop where I only need to submit my details without police report and my car and they will take care of it from there, because otherwise I will need to wait for the police report and stuff to be cleared which he said will take 14 days. What should I do? I havent contacted my insurance yet. The motorcycle also has comprehensive insurance.

My car is also still driveable.
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Fastest most efficient.

Call ur insurance notify them. Ask them what doc u need to bring to the workshop. Call ur car service cenfre, ask they do own damage kfk claim or not. If yes, proceed. If no, go search i ternet axa authorised panel workshop.

Pass the doc. And hand in the car. For loss of use, u need to contact that motorcycle insurance. No matter what happen, ur ncd should not be zero. Pls check ur ncd again after 3 months.
dave82
post Apr 3 2017, 03:26 AM

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I was involved in a car vs motorcycle (I was the car driver) accident slightly more than a month ago. I sent the motorcyclist to the nearest hospital as he was complaining of pain etc in his body. Anyway, I went to do a police report right after sending the motorcyclist to the hospital as I was concerned that he might be injured from the impact. However, upon returning to the hospital I sent him, he was discharged without any injury from the accident. We exchanged numbers at that point of time for communication purposes.

24 hours after the accident, the motorcyclist messaged me through whatsapp that he wants to settle the damages outside as he was poor etc. However, I informed him to make a police report as regardless, he was sent to the hospital. But he didn't do any police report until now and the investigating officer does not seem to want to do anything. My car has been sent to the workshop and had to claim insurance. What should I do?
YP_Wolf
post Apr 3 2017, 03:41 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
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I involved in a chain collision accident last week, involve three vehicles as below:

1st car: Isuzu Dmax
Middle: wira 1.5
Last car: Lorry
My car is the middle, wira 1.5 and had lodge the police report. But the Lorry driver don't want to lodge the police report and don't want to settle even he is at fault.

1. Workshop inform can't claim 3rd party insurance as the Lorry driver didnt lodge police report.
2. Can't claim OD KFK also, due to the same reason.
3. Call to insurance customer support ( Etiqa), they feedback can only claim OD KFK if all parties involve lodge police report, advice me to claim third party (Lorry).

Workshop want me to claim under own damage and my NCD will gone. Can advice what to do next? Thanks

MrAkA
post Apr 8 2017, 08:02 PM

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Hi sifus, pls advice my case. My car sent to sc after banged by a car and lodged police report, claim under odkfk.
Third party fault and got summoned. Got all the documents except the sketch plan due to the sergeant is on leave lol.
The 3rd party adjuster went to survey and estimated 7 days for repair duration.

However,
1. The B&P service advisor told me repair duration is definitely over 7 days, most like to take 2-3 weeks. For LOU, any wayto let the adjuster increase the duration?
2. The 3rd party insurance approval cost is insufficient to repair my car and the SA told they will put supplemental on my insurance. What should I do about this?

Thanks

This post has been edited by MrAkA: Apr 8 2017, 08:02 PM
vektor_sigma
post Apr 12 2017, 07:57 PM

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Yesterday my house got bang by a motorcycle, causing damage to my gate, autogate component and also to my car. I got to lodge police report but the rider didn't. I believe rider doesn't have license. However, this point didn't mentioned in police report.

The motorcycle got active insurance, and is Third Party Coverage type. Can I make third party claim?

My house also got insurance, so can I claim this insurance as well? In case I unable to claim motorcycle insurance. Pls advice.
TSsaigetsu
post Apr 13 2017, 09:07 AM

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QUOTE(vektor_sigma @ Apr 12 2017, 07:57 PM)
Yesterday my house got bang by a motorcycle, causing damage to my gate, autogate component and also to my car. I got to lodge police report but the rider didn't. I believe rider doesn't have license. However, this point didn't mentioned in police report.

The motorcycle got active insurance, and is Third Party Coverage type. Can I make third party claim?

My house also got insurance, so can I claim this insurance as well? In case I unable to claim motorcycle insurance. Pls advice.
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Yes you can. but he needs to make police report as well. U can claim againts his motorcycle insurance for third party property damage TPPD.

your house got insurance for fire, thunder kind of stuff i guess. dont think can cover property damage by other party or even your self.

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