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/5AxuEVqno.3 is the tricky part, coz adjuster u know lah...
sekian. Thank you
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