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 Accident 101: i teach u claim loss of use

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TSsaigetsu
post Oct 1 2014, 12:21 PM

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QUOTE(neo.crazed @ Oct 1 2014, 12:17 PM)
ts, u sure thats the current rate for CART?
I got RM60 per day when my Myvi got hantam by a nurse' Unser.
*
not sure... walao so high one.. u sure or not,... ini BNM guideline mah
surefire v LED
post Oct 1 2014, 12:22 PM

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TQ boss
SUS2feidei
post Oct 1 2014, 12:25 PM

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QUOTE(saigetsu @ Oct 1 2014, 12:14 PM)
hoorrr.. wait until u get tan chong or proton... vavi lambat... but this is generalization ony... hehe

kalau pojo, very fast one, straight total loss... rosak sikit total loss, coz sparepart mahal
*
Mine Honda, 1 month. sweat.gif

Reason
Day 0 - accident and report
Day 1 - get police report (cannot get immediately, coz report after office hour, can only get during office hour, working day, else, next working day, office hour)
Day 9 - get keputusan kes, photo (this one, coz officially the 14 days investigation result start from this date, I lucky, coz the person who bang me made report together with me, so, keputusan case can be immediate if I kautim with runner/ investigation officer, but, I don't). Send car to workshop
Day 13 - only insurance adjuster can come see. Prior to that, workshop can't do anything. And, workshop order parts
Day 30 - repair complete. rclxm9.gif

This post has been edited by 2feidei: Oct 1 2014, 12:26 PM
TSsaigetsu
post Oct 1 2014, 12:26 PM

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QUOTE(2feidei @ Oct 1 2014, 12:25 PM)
Mine Honda, 1 month.  sweat.gif

Reason
Day 0 - accident and report
Day 1 -  get police report (cannot get immediately, coz report after office hour, can only get during office hour, working day, else, next working day, office hour)
Day 9 - get keputusan kes, photo (this one, I lucky, coz the person who bang me made report together with me, so, keputusan case can be immediate if I kautim with runner/ investigation officer, but, I don't). Send car to workshop
Day 13 - only insurance adjuster can come see. Prior to that, workshop can't do anything. And, workshop order parts
Day 30 - repair complete.  rclxm9.gif
*
capalang workshop or franchise honda one?
SUS2feidei
post Oct 1 2014, 12:27 PM

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QUOTE(saigetsu @ Oct 1 2014, 12:26 PM)
capalang workshop or franchise honda one?
*
Honda franchise one. laugh.gif
th3judas
post Oct 1 2014, 12:28 PM

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thank you TS.. If my cat ever give birth, i will name it after you rclxms.gif rclxms.gif
TSsaigetsu
post Oct 1 2014, 12:30 PM

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QUOTE(th3judas @ Oct 1 2014, 12:28 PM)
thank you TS.. If my cat ever give birth, i will name it after you rclxms.gif rclxms.gif
*
saigetsu wub.gif
SUS2feidei
post Oct 1 2014, 12:33 PM

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I propose to mod to pin this thread, or make TS a mod for FnF forum, or whatever subforum suitable....i.e. one stop help centre for car insurance claim

Once a while, we will find some gem in kopitiam in pile of vera dalam kari......faith in kopitiam restore
katsumoto2011
post Oct 1 2014, 12:46 PM

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Ehhhh

Od kfk mean you submit you accident claim to your own
Insurance company , then the repair will be CLAIM UNDER YOUR OWN vehicle. Technically you will lose your ncd

Only after that insurance company will file a official claim toward the person who bang you car mean his insurances company to claim that amount

That why after processing odkfk will take up to 90 days
To get your car ncd to reinstall back
neo.crazed
post Oct 1 2014, 01:33 PM

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QUOTE(saigetsu @ Oct 1 2014, 12:21 PM)
not sure... walao so high one.. u sure or not,... ini BNM guideline mah
*
serius worrrr.
they offered me RM30 x 6.0 days car in workshop.
I said *** lei, where got one day spend RM30 for transport, cab from putrajaya-KL Sentral RM60 minimum.
they counter offer become RM30 x 12.0 days.

So essentially RM30 is the rate but they dabel the amount of days claimed.
Nice hah Etiqa Insurance, can bargain woh

SUSseijiseimura84
post Oct 1 2014, 01:36 PM

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Thank u ts...but I dont understand
mycolumn
post Oct 1 2014, 01:39 PM

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hmm..gud info
zul_sur
post Oct 1 2014, 01:46 PM

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My case,

lori bang me,
lori driver broke hand,
lori driver kena saman,
lawyer sue me.....

wtf...
NooooB
post Oct 1 2014, 01:52 PM

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How if I want to claim for CART but I'm not renting a car. Is that possible? Gonna car pool friend's car. hmm.gif hmm.gif
HeReLiSm
post Oct 1 2014, 01:54 PM

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QUOTE(neo.crazed @ Oct 1 2014, 01:33 PM)
serius worrrr.
they offered me RM30 x 6.0 days car in workshop.
I said *** lei, where got one day spend RM30 for transport, cab from putrajaya-KL Sentral RM60 minimum.
they counter offer become RM30 x 12.0 days.

So essentially RM30 is the rate but they dabel the amount of days claimed.
Nice hah Etiqa Insurance, can bargain woh
*
How did you make the claim? Yourself or thru workshop /runner?
neo.crazed
post Oct 1 2014, 02:08 PM

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QUOTE(HeReLiSm @ Oct 1 2014, 01:54 PM)
How did you make the claim? Yourself or thru workshop /runner?
*
sendiri woh..
runner nanti mau kira dia punya commission lagi...
no profit. plus poor workmanship some more.
Sendiri call insurance, sendiri angkut kereta bawa pergi authorised workshop.
sendiri collect report, you need to know procedures only mah.


chisel_bloke
post Oct 1 2014, 02:09 PM

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QUOTE(saigetsu @ Oct 1 2014, 09:59 AM)
Whenever people bang u.
1. u can claim OD kfk (own damage knock for knock)- preferable, ncd wont loose, faster, less hassle
2. u can claim third party against langsi - ncd wont loose, slower claims process, more hassle, u might getting less that what uve paid.

Y? im lazy to explain.

whenever your car at workshop for repair, u cannot use your car. but u can claim loss of use as u unable to use your car.

LOSS OF USE (LOU) claims a.k.a Compenssation assessed repair time (CART)

1. u can only claim from third party insurance. ask your agent.
2. For case no.1 above, after u make claim from your own insurance under ODKFK, u have to claim against 3rd party for LOU. a bit hassle
3. For case no.2 above, u claim one shot lah since u claim from third party anyway.

Scale of Compensation for Assessed Repair Time (CART)

Vehicle Type
Private Use Vehicles
Up to 1500 cc - RM 30
Above 1500 cc up to 2000 cc - RM 40
Above 2000 cc - RM 50

Motorcycles
Up to 250 cc - RM10
Above 250 cc - RM15

Terms and Conditions
1. The above scale defines the minimum amount payable by third party insurers for
CART claims where the claimant is unable to produce satisfactory documentary
evidence, receipts, etc. to support his/her claim for CART.

2. In cases where receipts can be produced for vehicle rentals, insurers shall pay
the amount shown in the original receipts
and original car rental agreement
subject to the principle of indemnity and subject always that the claimant shall
only be entitled to the rental of a vehicle of an equivalent nature to the damaged
vehicle. Such rental must be only from a rental agency/company duly registered
and licensed by the relevant authority.


3. The number of days for computation of CART shall be based on the independent
loss adjuster’s recommendation on the number of days for repair
of the damaged
vehicle subject to the insurers’ discretion to apply an additional seven working
days grace period for unforeseen delays.
no.3 is the tricky part, coz adjuster u know lah...

sekian. Thank you
*
Thank you for the summary 👌
TSsaigetsu
post Oct 1 2014, 02:13 PM

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QUOTE(katsumoto2011 @ Oct 1 2014, 12:46 PM)
Ehhhh

Od kfk mean you submit you accident claim to your own
Insurance company , then the repair will be CLAIM UNDER YOUR OWN vehicle. Technically you will lose your ncd

Only after that insurance company will file a official claim toward the person who bang you car mean his insurances company to claim that amount - wrong

That why after processing odkfk will take up to 90 days
To get your car ncd to reinstall back
*
under od kfk u will not lose your ncd. BNM said so mah.
TSsaigetsu
post Oct 1 2014, 02:13 PM

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QUOTE(zul_sur @ Oct 1 2014, 01:46 PM)
My case,

lori bang me,
lori driver broke hand,
lori driver kena saman,
lawyer sue me.....

wtf...
*
heh. sapa salah first? case still on going? Bodily injury claim is it? u x patah tgn?

if lorry, lorry sure salah one.

This post has been edited by saigetsu: Oct 1 2014, 02:21 PM
TSsaigetsu
post Oct 1 2014, 02:16 PM

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QUOTE(neo.crazed @ Oct 1 2014, 01:33 PM)
serius worrrr.
they offered me RM30 x 6.0 days car in workshop.
I said *** lei, where got one day spend RM30 for transport, cab from putrajaya-KL Sentral RM60 minimum.
they counter offer become RM30 x 12.0 days.

So essentially RM30 is the rate but they dabel the amount of days claimed.
Nice hah Etiqa Insurance, can bargain woh
*
based on y exp, those who appeal, especially highly profession, co give muka one... are u high profile character or been lowyal to etiqa, or corporate customer or something..

last timegot one case superbike own by doc.. insurer ofer 40k out of 80k SI. doctor appeal, at the bottom got stamp, xxx, doctor bla2.

co x ckp banyak CEO approved liao.



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