Hopefully someone can provide some input to this. How does claiming insurance of another person works if let's say someone go and hit 3 parked cars in an accident, and let's say this car is a very old proton wira which is covered by some cheap insurance..

will his insurance pay the damages for the 3 of the cars he knocked? or the 3 cars have to claim their own insurance and retain their NCB?

Siapa salah?

Yes to both. If u guys claim third party the first one. If u guys claim od kfk second one.

As both does not lose NCD, may i know is there is any disadvantage if we have to claim OD KFK?

no disadvantage. but advantage over claim third party. od kfk is faster. third party is slower.

lazy to explain. ive explain before in this thread.

Just wanted to say a zillion thanks to saigetsu for this info. Managed to claim 15 days from Chubb.

Kena knocked after 2 cars collided and 1 skidded into my lane. Took around 2 months from the date I submitted the required documents to Chubb :
1. Claim LOU cover letter
2. My drivers license
3. My IC
4. My police report
5. My car registration
6. Police sketch layout, investigation outcome, photos, 3rd Party reports
7. My car insurance policy

In between however I had to check with my own insurance company to ensure that they sent Adjuster Report, Policy, to Chubb using some insurer-insurer online system.

Good luck to all.


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U lucky the third party is chub. Good company

Whats chub?

Name of company. Chubb. Previously known as ace jerneh

owh cool thanks, will check it out

Bro, my cousin just got accident today. Got woman langgar his car's butt. Got made a police report already. But today that counter print report no open. Only monday to friday. Its weird. Is it still need to get the report on monday before proceed to workshop? Can tell what to bring to the workshop for claiming insurance? IC, Lesen, Car insurance, car registration , and polis report then enough? The keputusan the workshop will settle with the police or we need to get from the police?
To claim LOU, i must find out what insurance the woman is using? and then write in to her insurance and request for LOU? Sorry yea asking much.

Bro, how if car putting at workshop and they do nothing and said not free, spare part no come yet and also i cannot do anything but just can wait?

Counter prnt report office hour je sayang. So u have to wait lor. Ic lese car insurance car registration polis report. Yes enough.

For lou u are correct. But must wait for keputusan.

Most effisyen way is that, if insurance ask u send ur car for inspec, send, after finish take it home. Dont leave ur car, coz u wont be able to claim anything. Only when they want to repair varu hantar.

Bro

1 month ago when i reverse got people bang me, i think is both party wrong and we didnt make police report.

to repair need RM1k , both side also damaged badly..

any idea what should i do? thanks

My advice
If both parties salah then u guys claim your own insurance. But 1k? Bazir je ncd. U use your pocket money la. Imagine ur ncd 55% and one fine day u decide to buy civic. U save more than 1k premium wei.

Better keep it.

noted thanks for the advice! <3

1st to bank if car still under finance

balance give to whoever comes with letter of administration

so i was heading out with my old viva during dinner just now
was waiting at traffic light
suddenly itu bomba come from behind.
all the cars swerved to the side in attempt to clear the middle lane for the bomba.
this bomba then came straight at us and forced its way through, scratching the line of cars in the process

what are my options now?
claim against bomba? possible?

Duunno ive seen people went ahead against the government aka the ambulance. But the gomen win the case. So I think better ask lawyer

Dear all, advice needed and appreciated.

My car was hit lightly at the bumper by a motorcyclist when I stopped at turning junction to give way to oncoming traffic using the main road. The motorcyclist and my car are ok as it was just a minor bump. He apologised to me and we both moved on. My rear video recorder captured the whole thing clearly - my car slowing to a halt and somehow the motorcyclist was dreaming and his instinctive reaction was to raise his hand to apologise to me.

Called up my insurance company and was advised to lodge a police report to protect myself against any future claim from the motorcyclist.

What should I write in the report? I read on LYN that if I don't wish to claim or get him into trouble (since he already apologised), I should omit his vehicle registration number in the report. However, if there is a claim and my video is needed and it shows the number clearly, will I get into trouble for making false report?
Thank you in advance.

your insurance ask u to do this so that later to prevent him make fictitious report,

i.e. fake claims by using your car as victim.


in the report, cakap,
tujuan laporan ini adalah atas nasihat pihak insurans untuk melindungi diri saya dari tuntutan insurans dari pihak motorsikal.

and dont foget to include, penunggang motorsikal tidak mengalami kecerderaan dan meminta maaf atas kecuaian nya,



injury is the onethat they can fake.