update on my loss of use case. That insurance company say never receive my claim. Now i trying to get from the body paint center of my softcopy....sigh....mcm never ending story.

The bnm rate is for third party claim. So in your case. Let say third party bang u. U can claim from ur own insurnace and third party insurnace.

If you claim from third party insurer, BNM rate.

If you claim from your own insurer, the rate you bought @ 200

No. of days subject to adjuster's report

update on previous LOU claim,
-sent over a copy of all the related docs to the insurance company's HQ in KL by courier
-the next day, shoot them another email with softcopy, directed to motor claim dept
-dept manager reply claim in process
-waited for 3 weeks, not even a call or email
-shoot another email, they say need to wait for the insured to notify them, wait for 1 more week
-in the end, they come up with an offer of 4 x rm30, i refused and propose for 7 x rm30, told them the car were in the workshop for 1 month, and the adjuster clearly written that the repair will take 7 days, request them to make it 7 x rm30, they agree, sent over an offer letter, e-payment authorization form to me, filled it, and wait for the money to be bank in to my acc

all together took 1 and half month for me to get the money

thank you! very helpful.

Estimated Duration of Repair is 21.00 days but I only got offer for 7 days meanwhile my car was in Workshop around 18 days. Is there anything i can do?

With all the hastles, you only get rm210

Bnm promise with detariff the servis will get better. Lets see

Hi, I got knocked this morning, can someone give me advice on how to proceed?

Situation:

A rammed my car from behind. A's car NCD 55%, my car NCD at 0%. Can claim for repair using my insurans instead of his although it's his fault or not?

yes but please dont be stupid if you just claim ur insurance even your ncd is zero, ur history is tarnished and insurance will be more expensive next time u renew.

so u call your insurance company say wanna make claim coz a hit u from the back. tell them u want to make OWN DAMAGE CLAIM WITHOUT AFFECTING MY NCD or OWN DAMAGE KNOCK FOR KNOCK. this way, u still claim from your insurance company but your record still clean. then sent your car to your service centre assuming your car is new.

make sure the other fella also make police report ya.

this OD KFK affect other fella NCD or not?

yes affect other fella. but not yours. good luck

loui
buggie
bro wanna ask u something, my friend kena scam by agent. his car was di bawa lari by this agent. can claim or not (theft)? any exclusion?. or anyone who pro about this.

This post has been edited by saigetsu: Jun 14 2017, 02:57 PM

nope

insurance cover theft

in your friend case, he willingly parted his car to the agent, hence not consider theft (just like case where you give key to car wash or carpark jockey and they ran away with your car, insurance won't pay)

thank you sifu

Loui is right. Insurance won't pay. They will use a clause in the policy called CBT - criminal breach of trust. The insured entrusted the car to the agent who then breach this trust when he absconded with the car. It's an exclusion in the policy for this type of theft.

Grey area with the jockey and car wash. If it's a proper car wash or jockey service where they issue a ticket stub, the insurance may pay and seek subrogation against the establishment.

Yes. Your insurance will write to notify the other fella's insurer. Upon receipt of this letter, his insurance will open a file and provide a reserve in anticipation of your loss of use (cart) claim. Once they open file, his NCD is kaput

Thanks bro!!

Sifu. Say the case is rti.
Masing2 claims their own insurance correct? Nobody can claim third party against anybody right? So if i did not claim my own insurance to save ncd, the other party cannot claim against me right?

xelalee
loui

This post has been edited by saigetsu: Jun 20 2017, 05:03 AM

still can do TPPD

but by default, the third party insurance staff will only offer 50% of the repair cost, provided you didn't do an OD claim

if want more, need to nego hard with claim manager, if fail, go to court

vice versa