saigetsu TS, glad to see that there is a thread on this topic! Recently got into an accident hope u can give some advise.

Case:
- Car got hit at the back on 21/12/15
- Towed into Etiqa panel workshop that day and submitted docs to workshop 22/12/15
- Called workshop and told that adjuster going on the 30/12/15
- Called own insurance (before i see this thread ) to check on LOU claim and got following explanation:
  i) Get police report + collect investigation report from police (2 wks after accident) and send a letter to file claim with 3rd party (person who hit me) insurance
  ii) Send a copy to my own Etiqa insurance
  iii) Days claimable is when the workshop start to repair until complete repair only, not including waiting time before can start repair

Question:
- Do I do this myself or can ask the workshop to help claim the LOU together?
- Wat documentation i need to provide? Taxi receipts?
- When to submit these documentation (police report + investigation report + receipts (if needed))?
- How much can we claim (follow post #1)?

Still quite blur after calling the Customer Service especially on the procedure sequence and timeline. Thanks in advance for your help.

thanks both masters loui saigetsu, will check with the workshop, if they agree i can go and rent a car i hope.

so it seems when the car fully repaired only i can claim back right? how long is the claim back process? Do i receive a cheque by the 3rd party insurance down the road?

thanks 

my 3 yo car got hit from behind.

i want to claim the other party insurance, is't a must to send to panel workshop?
my ins co is etiqa takaful
i already change my rear bumper, dont want they will replace with original bumper

Hi saigetsu & loui,

My 5 year old + car got hit from behind.

Is it possible if I send my car back to proton SC for OD-KFK and pay for the betterment (15%) or I have to send my car to panel workshops which I do not have any confidence to leave my car there?

Also, do i have to wait for police keputusan before send my car to SC? By the way, I am using Etiqa Takaful.

Many thanks.

Hi All, the adjuster who analyzed the Loss of Use amount, is it from the third party (the insurance company we raised the claim) or from our own insured company?

Can i claim CART? insurance my car using etika takful, car was in work shop for about 50 calender days.

Picking my car this afternoon...

crap just checked their website, damm need to change to another insurance company, any suggestion.

What are not covered under the section "Loss or Damage to own vehicle"?
• Consequential Losses e.g. loss of earnings
• Loss Of Use Of Car
• Depreciation, Wear & Tear
• Damage To Your Car Tyres unless your car is damaged at the same time
• The amount of the excess shown on your policy schedule

hi there

one of my cars was hit at the back too recently. The other party was at fault. Workshop did a OD KFK claim. Everything is settled now. Workshop said will claim the loss of use for me.

1. Will the payment be made directly to me for LOU?
2. i checked my insurance ncd online but surprised it dropped to 0 . Why is this? in Od-kfk claim, ncd is not affected rite?

the investigation report was out the same day itself. other party was at  fault. he also got summon. maybe they will update soon.

Bro,

I need your advice. My car has been hit by a motorbike and damaged my car bumper, rear light and etc. I have lodged a police report against the motor. I took all the photos including of the the rider, his IC and road tax with his bike as well. My friend told me that car cannot claim insurance if hit by motorbike. Is it true? If yes then I feel the system is not protecting me. Please advice.

Guys, please advise me:

- Kena langgar this morning from belakang.
- Exchange phone number, took photo of Mr who ram my car plate number. Took photo of my car damage.
- I made police report. He didn't made police report as he say he is rushing for duty on call. YES, HE HIMSELF is a police officer, but in his private car (Mitsubishi Lancer), not official police car. He promised me that he will made his side police report TONIGHT.
- Bought mine police report. Police say for Keputusan Siasatan & Police Photo of car damage need to wait 14 days only available to collect.
- I drove to Honda repair centre at Glenmarie. Told Honda my situation. Honda say get the following document before they will take in my car for schedule repair: Insurance Policy, Vehicle Registration Card, Insured Driving License/IC, Police Report (Both mine and Mr. Ram is required), and Police Photo of Car Damage.

Question:
- Police Photo of Car Damage is only available after the Keputusan Siasatan complete 14 day from now? yes. expect longer than that because this is malaysia
- If Mr.Ram did not make police report and went MIA, what should i do? - go to pesuruh jaya sumpah and make statutory declaration
- I have to drive my banged up car until when before the actual repair can start? call insurance and send to panel workshop.
- Do i have to call my insurance company Etiqa Takaful to talk about it? yes. call your insurance. your insurance and send to your insurance panel workshop. ure not wrong. so ncd wont affected even hantar to panel workshop.

* Bad mood seeing the car banged but can't repair immediately zzzzzz
* Anyway i can find out the car owner and insurance company with car plate number? can. go to jpj.

- Must go JPJ office to find out the car plate owner? No way finding it phone call/online? Yes. The only way. But since u wanna claim od kfk. Dont bother to get to know the other party onsurnace. Coz ur insurnance co will do that for u. Unless third party didnt make police report.


- The insurance panel workshop does not contain Honda authorized dealer repair shop. I guess I have to trust the insurance panel workshop workmanship and authentic/genuine part used? Not so sure this one. Call ur insurnace and ask. Should be okay tho.



No way for me to get Honda to repair my car under OD KFK claim first while waiting all these paper thing? Not honda. But panel workshop can do that for u while waiting kepeutusan form police. Since u said honda is not in the panel. Bro go tell ur insurance co asap la.

Update:

Called Insurance:
- "Etiqa Takaful can get any panel workshop to work for you, but since your's is still new car (2 years), we strongly recommend you to go for manufacture Honda repair centre so that no warranty will be void, and guarantee workmanship and genuine Honda part." - True also, since the damage changed the shape of my boot, now the boot cannot be open and stuck there. To have long peace of mind, better leave it in the hand of manufacture. - good to know. thanks sharing

Called Offender who ram my car:
- Police report made. Report slip shown both our case had been linked up. Under same Sarjan.

Called Police
- Police photo and sketch need 14 process day only available to purchase. Police Keputusan need 1 month to be available. - lolol one month. gud lark. need to spend 1 day leave just to get the freaking report. or alternatively pay few hundred bucks to runner do it for u.

Called Honda
- Require both party Police Report and Police Photo to take in my car. - if u purchase your insurance thru agent, call the agent to do it for you coz u paid his commission. u can also ask sarjan to send the doc directly to honda for a small fees. small - less than rm100.

So now i have to wait wait wait ... as no Police Photo .....

update:

i received an offer from the other party insurance co for lost of use claim.

in the receipt discharge and indemnity form, i need to sign in front of commisioner of oaths? The stamp hasil rm10 too? stamp hasil just buy in post office?

was being hit by a company van (under c permit commercial) and because of the impact causing me to bump the car infront of me. while we still under negotiation, we was being direct by the police bantuan to pull over to the side of the road to prevent traffic jam. however the van just run off like that. before that we have taken the van number plate. i went to the police station with another woman to make police report. however as per my runner mentioned, the van driver ignore and didn't go to the police station to make the report. sergeant has already issue letter to the owner of the van though but they just act stupid.

currently my car was in the workshop under repair while still waiting for the other party to come to the police station however my insurance company told me big percentage have to claim od 

I called my insurance company and that lady said that no report or keputusan receive from the sergeant then they will claim consider od and lose my ncd. They are not helpful on solving my issue at all and in return sounds me back

TM la haih. Actually what is statutory declaration means? Sorry first time met such incident and I'm not really sure all this procedure and terms.

So I just report it to the bnm that is?

yeah this insurance company.

so i just need to go into the bnm and report according to the content of the police report that is? do i need to submit the report to the workshop or insurance on this declaration? err how much percentage of the successful rate?  could you please provide me the direct link to it? million thanks

kind of complicated.

so can i claim under od and by the same time submit the statutory declaration? at least i give it a try for not zero rise my ncd and also i can start repairing my car. if can't, i have no choice to go for od    cause i need a car to work. can't afford to put it at the workshop for months and end up nothing can be do

bros and sisters before going any further i bold the important part , no car number plate how to make statutory declaration ?????

for everyone info statutory declaration is where you go Pesuruhjaya Sumpah also knows as Commissioner for Oaths
http://www.kehakiman.gov.my/?q=en/node/672
check the link for the nearest to your location
basically what it do is you must swear in front of the commissioner that the things you say is the truth and nothing more then what happen
once you done that you be bound by the law , if anything the insurance company found out anything additional or extra that you been
hiding it will be obstruction of justice.
also if pls prepare that even after you do statutory declaration, is take longer time to process your case
since insurance company need time to investigate the case.