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 Accident 101: i teach u claim loss of use

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TSsaigetsu
post Jul 17 2017, 09:10 AM

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QUOTE(ixole @ Jul 17 2017, 06:58 AM)
Hi bro, my concern is if i call up bnm telelink, they will open a case and call 3rd party insurance for investigation?or purely give me advice only ?
Thanks
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Both. If u already send whatever the insurance required, they will send the showcause letter to ceo. Ceo must respon to bnm within 14 days.

Its still a long process for u btw.
TSsaigetsu
post Jul 19 2017, 05:44 PM

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QUOTE(Oldskolboyz @ Jul 5 2017, 12:40 AM)
KFK Claim process mostly would took 9 months or more time longer to process some took more than a years to settle the claim.. Process in General :
1) Workshop repair & claimant settle the bill
2) Bill + others doc send to Insce A
3) Insce A send back all doc to Claimant Insce Co for process
4) Insce A will wait till Claimant Insce Co give approval & amount to be paid.
5) After received approval, Insce A will paid upfront claimant
6) Insce A then recover back from Claimant Insce Co.. (Insce Co call it as KFK Claim Recovery)

So at the end claimant Insce Co itself paid the claim.. To short the claim process than BNM/PIAM intro OD-KFK in early 2000 & order Insce Co not to accept or process KFK anymore but due to consumer limited knowledge & so call "Longkai" keep confusing people out there, Insce Co still process the claim till today but volume not much as 2000 coz Insce co will encourage claimant to go ODKFK method rather than KFK..

OD-KFK process same as OD claim just need extra document either one as below:

1) Keputusan report show you are not fault or getting summons or
2) Prepared SD, if car hit you didn't make police report..
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Sifu, then why the fu etiqa ask for third party insurance (party at fault) cover note for ODKFK. How can i get that document?


Oldskolboyz
post Jul 19 2017, 06:30 PM

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QUOTE(saigetsu @ Jul 19 2017, 05:44 PM)
Sifu, then why the fu etiqa ask for third party insurance (party at fault) cover note for ODKFK. How can i get that document?
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Is not your duty to get the info/others party insurance cause of Financial Services Act, financial Institution can't disclosed any data to 3rd party. Etiqa Claim officer should get the doc from 3rd party Insce Co. through merimen or others e-claim management system.. As long you have both party police report + police investigation result report.. Etiqa have no excuse to delay or ding dong the claim process. You can wrote complain letter to BNM if they still chasing 3rd party doc from you.
TSsaigetsu
post Jul 19 2017, 06:46 PM

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QUOTE(Oldskolboyz @ Jul 19 2017, 06:30 PM)
Is not your duty to get the info/others party insurance cause of Financial Services Act, financial Institution can't disclosed any data to 3rd party. Etiqa Claim officer should get the doc from 3rd party Insce Co. through merimen or others e-claim management system.. As long you have both party police report + police investigation result report.. Etiqa have no excuse to delay or ding dong the claim process. You can wrote complain letter to BNM if they still chasing 3rd party doc from you.
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Tq bos!!!
Oldskolboyz
post Jul 19 2017, 10:02 PM

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QUOTE(saigetsu @ Jul 19 2017, 06:46 PM)
Tq bos!!!
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Etiqa Takaful Claim unit must comply to BNM Guideline on Claims Settlement Practices JPIT/GPT 3 issued on 5th December 2003 to all Takaful operator.. signing by Director of Islamic Banking & Takaful Unit En. Bakarudin Ishak on behalf of BNM Governor.. This was 14 yrs ago...

JPIT/GPT 4 for conventional insurance.

This post has been edited by Oldskolboyz: Jul 19 2017, 10:07 PM
cant think of a username
post Jul 22 2017, 10:45 PM

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0601430
post Jul 26 2017, 04:13 PM

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my car bumper get scratched by someone who force his car to enter my lane... he dont want to stop the car so i chase him, until 1 point where i really give up on chasing him, so i went to make police report...

from what i heard from the police sergeant told me, if small accident where the repair cost is small one, its better to settle outside...even tho i make a police report, i cannot claim from the guy's insurance (as 3rd party claim insurance) cause the damage done to my car is around RM200-400 only, and insurance company wont entertain this small matters...so is it true i cannot claim the guy insurance?

i just make the report that day morning, and the guy make report in the afternoon, and sergeant told me the guy dont want to admit its his fault... what else i can do? first, i cannot claim his insurance... second, he certainly dont want to pay me since he dont want to admit it... third, if he was found guilty, he can just pay the summon (RM300) and walk away like that without my bumper fixed... i'm the victim but i'm at loss, and the police get the money (from summon RM300)...

This post has been edited by 601430: Jul 26 2017, 04:15 PM
TSsaigetsu
post Jul 26 2017, 04:36 PM

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QUOTE(601430 @ Jul 26 2017, 04:13 PM)
my car bumper get scratched by someone who force his car to enter my lane... he dont want to stop the car so i chase him, until 1 point where i really give up on chasing him, so i went to make police report...

from what i heard from the police sergeant told me, if small accident where the repair cost is small one, its better to settle outside...even tho i make a police report, i cannot claim from the guy's insurance (as 3rd party claim insurance) cause the damage done to my car is around RM200-400 only, and insurance company wont entertain this small matters...so is it true i cannot claim the guy insurance?

i just make the report that day morning, and the guy make report in the afternoon, and sergeant told me the guy dont want to admit its his fault... what else i can do? first, i cannot claim his insurance... second, he certainly dont want to pay me since he dont want to admit it... third, if he was found guilty, he can just pay the summon (RM300) and walk away like that without my bumper fixed... i'm the victim but i'm at loss, and the police get the money (from summon RM300)...
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If police indeed saman him. U can claim against him. Did police take pic of ur car?
0601430
post Jul 26 2017, 05:39 PM

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QUOTE(saigetsu @ Jul 26 2017, 04:36 PM)
If police indeed saman him. U can claim against him. Did police take pic of ur car?
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the police has yet to issue saman to him, but from what i heard the way the police talk, its the guy fault cause the guy didnt make sure the lane is clear to enter...

and yea, the police got take pic of my car damage...

the car accident happen last thursday and today is the 7th day since the accident... just now afternoon, i call the police to confirm how is it and the saman has yet been issue to the guy... he said will try help me ask the guy to pay for my bumper cost...

btw, can you teach me how to claim against him... this is my first time

This post has been edited by 601430: Jul 26 2017, 05:46 PM
TSsaigetsu
post Jul 27 2017, 07:22 AM

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QUOTE(601430 @ Jul 26 2017, 05:39 PM)
the police has yet to issue saman to him, but from what i heard the way the police talk, its the guy fault cause the guy didnt make sure the lane is clear to enter...

and yea, the police got take pic of my car damage...

the car accident happen last thursday and today is the 7th day since the accident... just now afternoon, i call the police to confirm how is it and the saman has yet been issue to the guy... he said will try help me ask the guy to pay for my bumper cost...

btw, can you teach me how to claim against him... this is my first time
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Call ur insurnace first notify them that u are going to make own damage knovk for knock claims against that car.

Info u need see pic escept no 9 and 10. Coz error.

Police result ohoto must wait 14 days baru police produce that. So have to wait.

This post has been edited by saigetsu: Jul 27 2017, 07:24 AM


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0601430
post Jul 27 2017, 09:27 AM

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QUOTE(saigetsu @ Jul 27 2017, 07:22 AM)
Call ur insurnace first notify them that u are going to make own damage knovk for knock claims against that car.

Info u need see pic escept no 9 and 10. Coz error.

Police result ohoto must wait 14 days baru police produce that. So have to wait.
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so it is confirm that we can claim from his insurance ka? even tho only few hundred ringgit? (my case, bumper scratch and loose - RM200-400)
TSsaigetsu
post Jul 27 2017, 09:53 AM

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QUOTE(0601430 @ Jul 27 2017, 09:27 AM)
so it is confirm that we can claim from his insurance ka? even tho only few hundred ringgit? (my case, bumper scratch and loose - RM200-400)
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Car with car right?
U are claiming from ur own insurance but your ncd will not be affected. The police result or investigation result will determine ur ncd save or not.

So. Thats y I ask u to call ur insurnace to notify and ask can or not. Actually yes u can claim. The down side, u will not able to use ur car for like a month?... lama woo process.. if kawtim luar u get money n faster repaint. Or just polish.
0601430
post Jul 27 2017, 11:57 AM

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owh okie...sorry for asking these questions... just to make sure first before i direct call to my insurance company coz the story i heard from police and workshop that insurance company wont entertain such small accident claim... thanks you so much
TSsaigetsu
post Jul 27 2017, 12:27 PM

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QUOTE(0601430 @ Jul 27 2017, 11:57 AM)
owh okie...sorry for asking these questions... just to make sure first before i direct call to my insurance company coz the story i heard from police and workshop that insurance company wont entertain such small accident claim... thanks you so much
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No prob. Which insurance?
0601430
post Jul 27 2017, 12:32 PM

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QUOTE(saigetsu @ Jul 27 2017, 12:27 PM)
No prob. Which insurance?
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Allianz Insurance
TSsaigetsu
post Jul 27 2017, 01:28 PM

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QUOTE(0601430 @ Jul 27 2017, 12:32 PM)
Allianz Insurance
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Haa sama la kita. Im claiming against allianz jugak.

Just found out that police result need 14 days I applied at the police station. I tot when I met the inspector, after 14 days, the report is ready.
Why la dat inspector didnt tell me. Waste my annual leave ony.
derthvadar
post Jul 31 2017, 02:51 PM

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Hi

My friend just kena langgar depan university dengan kereta while riding my motorcycle. The car make illegal u-turn then bang my friend. Both student.

I already take the student driver detail from security office.

My motorcycle damage coverset and gear box. Still have roadtax.

Now I at hospital waiting my friend.

What should I do next ?

Police report ?

Thanks.

This post has been edited by derthvadar: Jul 31 2017, 02:56 PM
TSsaigetsu
post Jul 31 2017, 04:58 PM

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QUOTE(derthvadar @ Jul 31 2017, 02:51 PM)
Hi

My friend just kena langgar depan university dengan kereta while riding my motorcycle. The car make illegal u-turn then bang my friend. Both student.

I already take the student driver detail from security office.

My motorcycle damage coverset and gear box. Still have roadtax.

Now I at hospital waiting my friend.

What should I do next ?

Police report ?

Thanks.
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BOTH make police report. WITHIN 24 hours.

call your insurance company notify them u got into accident.

ask his insurance company.

after u done pm me. i busy a bit. ak pun kena langgar last 2 weeks. so nnt ak share procedure.
derthvadar
post Jul 31 2017, 06:49 PM

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QUOTE(saigetsu @ Jul 31 2017, 04:58 PM)
BOTH make police report. WITHIN 24 hours.

call your insurance company notify them u got into accident.

ask his insurance company.

after u done pm me.  i busy a bit. ak pun kena langgar last 2 weeks. so nnt ak share procedure.
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Thanks bro. Ill PM you.


TSsaigetsu
post Aug 8 2017, 12:47 AM

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QUOTE(Outbackk @ Aug 7 2017, 11:31 PM)
hi

i get hit by motorcycle.. and we already went to police station
the problem is, car cannot claim insurance on motorcycle even the motorcycle is wrong...
so if i claim my insurance, i will lost NCD right...
that's bad
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Only if motorcycle rider got injured. If he injured, yes. He can report to claim against u wihin ,6 years from the date of acvident. But if he is injured minor2, he may not want to claim.

Yes ull lose ur ncd.

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