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Accident 101: i teach u claim loss of use
mushigen
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Sep 25 2017, 09:25 PM
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QUOTE(saigetsu @ Sep 25 2017, 05:08 PM) 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. Thank you so much for your advice. A few more questions: 1. should I mention his motorcycle registration number in the report? 2. after the report is made, what would be my next course of action and follow up (assuming the motorcyclist does *not* file a claim)? Do I just let it be or do I need to buy any report? Thank you.
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TSsaigetsu
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Sep 26 2017, 07:22 AM
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QUOTE(mushigen @ Sep 25 2017, 09:25 PM) Thank you so much for your advice. A few more questions: 1. should I mention his motorcycle registration number in the report? 2. after the report is made, what would be my next course of action and follow up (assuming the motorcyclist does *not* file a claim)? Do I just let it be or do I need to buy any report? Thank you. Yes U make report, u will get copy that cannot be use I think. U have to buy. But pity u so many hassles
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feiyoung
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Sep 27 2017, 12:17 AM
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Getting Started
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TS, questions......
I met accident where I try to avoid a vehicle which stopped at federal highway fast lane without proper action taken ( no open boot, no signage, etc ) and car lost control and hit into road divider, no other vehicle was involved in this accident. Has made police report right after the accident and contacted insurance company to toll into panel workshop. police did not fine me for the accident. currently my car has spent 2 week in workshop.
in such no-third party accident scenario, can i claim loss of usage ( CART) and what will happen to my NCD
Tq TS
This post has been edited by feiyoung: Sep 27 2017, 12:18 AM
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neokyo
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Sep 30 2017, 08:40 PM
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Getting Started
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got abit question. if accident not at tar road (jalan kampung, tanah) cannot claim insurance meh?
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Mike_JP
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Oct 1 2017, 03:00 AM
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New Member
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QUOTE(feiyoung @ Sep 27 2017, 12:17 AM) TS, questions...... I met accident where I try to avoid a vehicle which stopped at federal highway fast lane without proper action taken ( no open boot, no signage, etc ) and car lost control and hit into road divider, no other vehicle was involved in this accident. Has made police report right after the accident and contacted insurance company to toll into panel workshop. police did not fine me for the accident. currently my car has spent 2 week in workshop. in such no-third party accident scenario, can i claim loss of usage ( CART) and what will happen to my NCD Tq TS No. CART only claim against 3rd party insurer. NCD will be gone. as insurer will put treat the claim as OD (Own Damage)
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Mike_JP
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Oct 1 2017, 03:01 AM
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New Member
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QUOTE(neokyo @ Sep 30 2017, 08:40 PM) got abit question. if accident not at tar road (jalan kampung, tanah) cannot claim insurance meh? can.
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TSsaigetsu
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Oct 1 2017, 07:32 AM
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QUOTE(neokyo @ Sep 30 2017, 08:40 PM) got abit question. if accident not at tar road (jalan kampung, tanah) cannot claim insurance meh? Can. As lomg as it os accessible by the public can
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TSsaigetsu
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Oct 1 2017, 07:33 AM
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QUOTE(feiyoung @ Sep 27 2017, 12:17 AM) TS, questions...... I met accident where I try to avoid a vehicle which stopped at federal highway fast lane without proper action taken ( no open boot, no signage, etc ) and car lost control and hit into road divider, no other vehicle was involved in this accident. Has made police report right after the accident and contacted insurance company to toll into panel workshop. police did not fine me for the accident. currently my car has spent 2 week in workshop. in such no-third party accident scenario, can i claim loss of usage ( CART) and what will happen to my NCD Tq TS Yes can if u buy the cover.
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feiyoung
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Oct 1 2017, 05:48 PM
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Getting Started
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QUOTE(saigetsu @ Oct 1 2017, 07:33 AM) Yes can if u buy the cover. thanks.. seems it's only a comprehensive coverage..
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TSsaigetsu
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Oct 3 2017, 09:44 AM
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QUOTE(AMG_BMW @ Oct 3 2017, 08:12 AM) Do insurance company notify us if anyone claims against our insurance? What can we do to prevent any Tom and dick claims our insurance? I started to worry because I sent a fell down motorist and dump him at govt hospital. yes. cannot prevent. its his right to claim against yours. if he injured, kiss good bye to your NCD. (provided he claim against yours) if luka2 sikit, pray hard no lawyer approach him at hkl to assist the claims provess.
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TSsaigetsu
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Oct 3 2017, 09:46 AM
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QUOTE(AMG_BMW @ Oct 3 2017, 08:18 AM) Do different agents can have different quotation/fee, even though same type of coverage/company? strictly same product, same company.. still can provided your agent is platinum agent (production like million per year), insurance company give some special benefit to them to give discount to customer or even remove additional loading %(for higher risk person) from the pricing.
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koinibler
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Oct 3 2017, 10:54 AM
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QUOTE(Mike_JP @ Oct 1 2017, 03:00 AM) No. CART only claim against 3rd party insurer. NCD will be gone. as insurer will put treat the claim as OD (Own Damage) Does CART can only be claim if we rented a car or by receipt (taxi, uber etc)? Its possible to claim CART just by days of 'loss of use'? I thought it was possible to claim by days after reading the TS first post.
This post has been edited by koinibler: Oct 3 2017, 11:01 AM
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TSsaigetsu
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Oct 3 2017, 01:14 PM
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QUOTE(koinibler @ Oct 3 2017, 10:54 AM) Does CART can only be claim if we rented a car or by receipt (taxi, uber etc)? Its possible to claim CART just by days of 'loss of use'? I thought it was possible to claim by days after reading the TS first post.
can. show bnm guideline to them. Attached File(s)
appendix_to_claims_settlement.pdf ( 16.26k )
Number of downloads: 15
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koinibler
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Oct 3 2017, 05:37 PM
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QUOTE(saigetsu @ Oct 3 2017, 01:14 PM) can. show bnm guideline to them. Thanks for the guidelines. From the chat, it seem that CART and LOU is a different thing, but similar
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Mike_JP
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Oct 7 2017, 02:38 AM
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New Member
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QUOTE(koinibler @ Oct 3 2017, 10:54 AM) Does CART can only be claim if we rented a car or by receipt (taxi, uber etc)? Its possible to claim CART just by days of 'loss of use'? I thought it was possible to claim by days after reading the TS first post.
Yes. But bear in mind no. of days in LOU is calculated by adjuster, who determine how many days is needed to repair the vehicle. even if your car was stucked in workshop due to no sparepart or delayed by workshop for whatever reason it is, adjuster will determine the appropriate no. of days is needed to repair. For example, your car is stranded in workshop for 30 days due to waiting for sparepart, workshop have many cars to repair etc. But if the adjuster determine the actual no. of days needed to repair your car only needed 7 days, insureres will only pay 7 days of LOU allowance
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jin^manusia
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Oct 7 2017, 06:28 PM
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Getting Started
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Can anyone know about total lost claim? How much they pay.. cos accident involving the enginee.the car is honda city.. year 2006
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TSsaigetsu
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Oct 7 2017, 09:37 PM
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QUOTE(jin^manusia @ Oct 7 2017, 06:28 PM) Can anyone know about total lost claim? How much they pay.. cos accident involving the enginee.the car is honda city.. year 2006 How much is your sum insured?
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jin^manusia
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Oct 7 2017, 09:39 PM
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Getting Started
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QUOTE(saigetsu @ Oct 7 2017, 09:37 PM) How much is your sum insured? About 26k only.. how much only can get from it?
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lcs87
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Oct 7 2017, 10:47 PM
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Getting Started
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Hi,
Last friday my car was hit by a reversing car who did not put back to D after using reverse gear.
I am kinda confused with the police keputusan report retrieval.
Is it true that:
1. I need to go apply for keputusan at the balai polis trafik at Jalan Tun HS Lee.
2. Then they will give a tentative date of the day where the keputusan is ready.
For my case, both of us made report together after the incident. Will it take long time?
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TSsaigetsu
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Oct 8 2017, 09:17 AM
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QUOTE(jin^manusia @ Oct 7 2017, 09:39 PM) About 26k only.. how much only can get from it? Google mudah how much is your market value. If it is within 26k... then u can expect u will get that amount. If higher, 26k it is. Say they low ball u, u give them the link and pls appeal. That is ur right
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