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> Accident 101: i teach u claim loss of use

saigetsu
post Nov 30 2017, 07:04 AM

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QUOTE(adlizinc @ Nov 29 2017, 11:55 PM)
hello guys..want to share my story and maybe can get some help/opinion from all the taiko in here smile.gif here goes..

was on my way to work (construction site)..past the security guard and went straight to site office..almost 100m to car park, a crawler crane in the the middle of the road..so i follow patiently..soon the signal man wave green flag to overtake from the side of the road..to maintain a safe distance from the crane, i decide to pass over a bunch of grass..suddenly heard a loud bang from under the car..manage to stop, look under car & saw fluid pouring out...gear box busted shocking.gif  went to investigate...i hit a lamp post footing covered with grass doh.gif ...immediately call car manufacturer emergency assist..give me option to pay the repair myself or claim insurance..i choose claim insurance..tow truck came and i quickly make police report..after finish with report time to talk to investigating officer..a sergeant i guess..he didn't say anything much..just listen to my story.. dry.gif ..then went to service center and gave all the papers the same day..

will i loose my NCD? some of my friends says no some say yes..i'm a little bit confused.. rclxub.gif
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Yes.

koinibler
post Nov 30 2017, 10:12 AM

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Anyone experience with LOU claim. I wonder how long does the insurance company need time to deposit the money?

I make claim of LOU from etiqa since end of September 2017 and no news till now. Roughly 2 month now. Consider normal or too late?
adlizinc
post Nov 30 2017, 10:12 AM

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QUOTE(saigetsu @ Nov 30 2017, 07:04 AM)
Yes.
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Ok😓
saigetsu
post Nov 30 2017, 12:54 PM

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QUOTE(koinibler @ Nov 30 2017, 10:12 AM)
Anyone experience with LOU claim. I wonder how long does the insurance company need time to deposit the money?

I make claim of LOU from etiqa since end of September 2017 and no news till now. Roughly 2 month now. Consider normal or too late?
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Follow up bro. Must follow up
prof.layton
post Jan 4 2018, 10:33 AM

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Hi can anyone help me clarify this.

my car got rammed from the back by another car. it seems that the car that rammed into me has an expired insurance. so the workshop said i have to claim from my insurance which will affect my NCD. any other option?
leongcp
post Jan 4 2018, 11:04 AM

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Hi, very good info. If a tree branch, roadside, on a private residential taman fell on my car, am I entitled to claim OD KFK? Will this void my NCB? It is a company car
saigetsu
post Jan 4 2018, 11:43 AM

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QUOTE(prof.layton @ Jan 4 2018, 10:33 AM)
Hi can anyone help me clarify this.

my car got rammed from the back by another car. it seems that the car that rammed into me has an expired insurance. so the workshop said i have to claim from my insurance which will affect my NCD. any other option?
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the u should claim from that guy. not ur insurance.

QUOTE(leongcp @ Jan 4 2018, 11:04 AM)
Hi, very good info. If a tree branch, roadside, on a private residential taman fell on my car, am I entitled to claim OD KFK? Will this void my NCB? It is a company car
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tree branch kenot. must vehicle with vehicle. ncb will be zerorised. doesnt matter company or personal car

This post has been edited by saigetsu: Jan 4 2018, 11:44 AM
JadenFongV
post Jan 4 2018, 07:47 PM

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Been involved in an accident in August, my car hit a motor and the motor driver injured, as usual the injurer claim insurance..my insurance company lawyer said will need to attend a court later on..what would be the next procedure? Do i need to pay anything like court fee, lawyer fee, etc.. I'm worrying like hell everyday sad.gif

This post has been edited by JadenFongV: Jan 4 2018, 07:47 PM
saigetsu
post Jan 5 2018, 09:08 AM

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QUOTE(JadenFongV @ Jan 4 2018, 07:47 PM)
Been involved in an accident in August, my car hit a motor and the motor driver injured, as usual the injurer claim insurance..my insurance company lawyer said will need to attend a court later on..what would be the next procedure? Do i need to pay anything like court fee, lawyer fee, etc.. I'm worrying like hell everyday sad.gif
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yes u need to attend the court to testify your self. just follow what your lawyer (insruance yang appoint) said.

you dont need to pay a dime. but you have to go through the hassle of court procedure. and time of course.

did he injured badly if yes - its gonna drag 2-3 years.
JadenFongV
post Jan 5 2018, 01:49 PM

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QUOTE(saigetsu @ Jan 5 2018, 09:08 AM)
yes u need to attend the court to testify your self. just follow what your lawyer (insruance yang appoint) said.

you dont need to pay a dime. but you have to go through the hassle of court procedure. and time of course.

did he injured badly if yes - its gonna drag 2-3 years.
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Bone broken on leg and hand, meaning need to attend court more than 1 time? Hmm..
saigetsu
post Jan 5 2018, 02:23 PM

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QUOTE(JadenFongV @ Jan 5 2018, 01:49 PM)
Bone broken on leg and hand, meaning need to attend court more than 1 time? Hmm..
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Yup.
JadenFongV
post Jan 5 2018, 07:34 PM

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QUOTE(saigetsu @ Jan 5 2018, 02:23 PM)
Yup.
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During the claiming procedure, my car is it still under covered by insurance? What if my car involved in another accident again? *touch wood
saigetsu
post Jan 6 2018, 05:24 AM

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QUOTE(JadenFongV @ Jan 5 2018, 07:34 PM)
During the claiming procedure, my car is it still under covered by insurance? What if my car involved in another accident again? *touch wood
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Yup. But u dont lie to insurance la if the period between tree branch fell vs another accident too far apart

Adjuster can tell unlie one
JadenFongV
post Jan 6 2018, 08:07 AM

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QUOTE(saigetsu @ Jan 6 2018, 05:24 AM)
Yup. But u dont lie to insurance la if the period between tree branch fell vs another accident too far apart

Adjuster can tell unlie one
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Could it be possible if the insurance co willing to pay certain amount compensation to be settle beside court, then can settle earlier? Since it's my fault by law sad.gif
saigetsu
post Jan 6 2018, 11:02 AM

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QUOTE(JadenFongV @ Jan 6 2018, 08:07 AM)
Could it be possible if the insurance co willing to pay certain amount compensation to be settle beside court, then can settle earlier? Since it's my fault by law  sad.gif
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Its not u tondecide. Its the victim decide whether nak settle out of court
JadenFongV
post Jan 6 2018, 11:30 AM

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QUOTE(saigetsu @ Jan 6 2018, 11:02 AM)
Its not u tondecide. Its the victim decide whether nak settle out of court
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Thanks thumbup.gif
AmeiN
post Jan 6 2018, 11:45 AM

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Want to ask, what if car stolen. How much can get from total insured?
saigetsu
post Jan 6 2018, 03:07 PM

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QUOTE(AmeiN @ Jan 6 2018, 11:45 AM)
Want to ask, what if car stolen. How much can get from total insured?
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Depends.

U can get 100% from the sum insured if ur policy has endorsement 87 aka agreed value. U can find 87 number at the bottom left side.

If u dont hae, just refer to mudaah ur model, should be around that figure.
ante5k
post Jan 9 2018, 09:35 PM

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QUOTE(saigetsu @ Jan 6 2018, 03:07 PM)
Depends.

U can get 100% from the sum insured if ur policy has endorsement 87 aka agreed value. U can find 87 number at the bottom left side.

If u dont hae, just refer to mudaah ur model, should be around that figure.
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Got into an accident a while back. Do I need to submit the other party police report to claim his insurance ? Is it still required since I already have the keputusan from the investigating police. ?

Thank you.
saigetsu
post Jan 9 2018, 09:37 PM

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QUOTE(ante5k @ Jan 9 2018, 09:35 PM)
Got into an accident a while back. Do I need to submit the other party police report to claim his insurance ?  Is it still required since I already have the keputusan from the investigating police. ?

Thank you.
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Yes.

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