Ok, why wud my ncb be safe? please explain

Because even if u claim third party, third party insurance will eventually seek decision from your insurance company to approve the amount to be claimed. In fact eventually, third party insurance will seek reimbursement from your insurance company. so its inefficient.

to improve the process, u claim directly from your insurance. your NCD will be zerorised at first, and will be reinstated back to how much you have after you provide them the investigation report or KEPUTUSAN from police.
this doc will indicate u salah or not.

how long it usually take for me to receive my claim? and how will it be paid?

Just had an accident last Saturday. Admitted to hospital till Monday. But till today havent report to police/insurance party as very pain on my head even to stand up. Is there any problem later?

If possible i want claim total lost for my bike...

This post has been edited by Coldf3ar: Aug 30 2017, 08:03 AM

can. no prob. the other party sure already make police report. was there any lawyer approach you? get their help. call your insurance and notify them.

This post has been edited by saigetsu: Aug 30 2017, 09:52 AM

Hi,

My car skided off from road into drainage due to slippery road.
So this is consider OD right?
Can i claim CART If is OD?

This post has been edited by giftfre: Aug 30 2017, 12:23 PM

hi. yes OD.

can claim CART only if u purchase the cover. U can ask company.

Same as above... took 5 weeks to fix and they are paying RM420 for 1500cc car... that's like 14 working days compensation..

How to ask them to pay out more...

I took taxi for that period and cost even more...

Hi may I know what's the different between Compensation for Assessed Repair Time (Cart) & Compensation for Loss of Use (CLU).

Etiqa car insurance offers CART or/and CLU
Etiqa car takaful only offers CLU

I'm confuse now.

This post has been edited by vextor: Sep 2 2017, 12:11 AM

Same thing. Nama saje.

Ok, thx bro

What if i meet into an accident in a multistory car park (malls, office buildings). Will insurance claim process be the same?


What if its within a residential property (condominiums)?

Thank you in advance

Yes can. eventhough its a private area, as long as public can access, you can claim.

My car was in their workshop for 35 days but only got compensated 21 days.. They say it's from the time they start work and not how many days ur car is there.

yes. they only pay the actual days they spent to repair your car. if your car sitting at parking compound memang tak dapat apa2.

Ya la.. Until my battery also kong.. Dafuq.

saigetsu Sigh, it's very unfortunate that I have to ask this question. Here goes.

I got hit at the side (both doors kemek and one quite bad, both cannot be opened or locked anymore). The culprit was making a turn but he/she overturned and hit me. I can't get off the car and there's a car behind me. The car stopped at the rear for a bit but sped off.

No car plate, no nothing.

Based on the damage, it should amount to 4-5k (I think). So I'm gonna make a claim.

My questions are : -

1. If I make a claim, will my NCD be affected?
2. I only have 1 car, since your first post says that it's faster to claim as OD kfk, should I?
3. How do I know which shop to go for? Do I just go to a shop authorized by my insurance?
4. Do I still need to report pulis?

THANKS!!!!! and be safe everyone!

This post has been edited by GameFr3ak: Sep 6 2017, 11:12 PM

1. If I make a claim, will my NCD be affected?
Yes
2. I only have 1 car, since your first post says that it's faster to claim as OD kfk, should I?
not applicable to your case, since you have no details of third party to blame on. In this case, you are claiming own damage only. (OD). So in term of speed (approval by insurance for workshop to repair the car) is faster relative to OD KFK.
3. How do I know which shop to go for? Do I just go to a shop authorized by my insurance?
Only authorised by your insurance. check website, or call lor. Notify your insurance ASAP.
4. Do I still need to report pulis?
Yes ASAP within 24 hours.

Kesian bro. Sabar la ye

NCD affected thanks btw

If the car total loss and car owner die in the accident, how the insurance compensate? to next of kin?