pls do not encourage people to conduct such claim 

is consider a insurance fraud and can get you into trouble for suggesting/encouraging.
try to imagine if your the innocence owner that being hentam, how much trouble and shit you have to deal
with the insurance company and the police will considering this is a hit a run case.
i know you have quite knowledge in insurance claim but pls do not mislead other forumer in doing it 
your not the only person in this forum that know how inside works.

anyone can teach me? if lets say its own fault, still can claim loss of use?

Oh its an extra coverage. If i bought lets say normal comprehensive coverage , din add anything extra, not covered kan.

Oh no, i just total loss a car, guess I'm in trouble. Starts next year ?

Oh means u can choose which 1 u wan when u renew next year ? Like u wanna chose conventional ones like current or the new one. I also heard mayhe the 10 per cent for agent will be gone ?

Hi TS. I got a case here.

My car is damaged in two areas. The front was caused by hit n run (got plate number, made report, but idk the verdict yet)

The rear part I damaged myself.

I wanna repair all. Which is the best method? My car ncd is two years old (this December will be third year)

1. Pay myself to fix everything (front n back)
2. Claim own/ third party (repair front only, pay my own for rear repair)

Next question is, if I wanna claim insurance, can the workshop help me repair the rear "for free". I don't mind sacrificing ncd for this.

Hi TS. I got a case here.

My car is damaged in two areas. The front was caused by hit n run (got plate number, made report, but idk the verdict yet)

The rear part I damaged myself.

I wanna repair all. Which is the best method? My car ncd is two years old (this December will be third year)

1. Pay myself to fix everything (front n back)
2. Claim own/ third party (repair front only, pay my own for rear repair)

Next question is, if I wanna claim insurance, can the workshop help me repair the rear "for free". I don't mind sacrificing ncd for this.

Hi just wanna enquire, if total loss, does betterment policy apply still? as in sum insured minus 30%

most simple make police report and claim your own insurance as OWN DAMAGE

and then how about the NCD?

then i think its not wise to claim?.. haiyo

I have once claimed loss of use but the insurance company (Zurich) only paid the term as per the adjustor's repair time estimation. I argued that the workshop took longer time to repair and I could not use my car as long as it it not repaired. They added 7 days and told me that they can help me only that much

I called their complaint department and she suggested me to go to Financial Mediation Bureau if we want to argue this case. She told me that its free and i just need to disclose all the documents. They will take about a month to verify the truth.

I gave up since i needed that money urgently. But its an advice to others that you can always fight for your rights;p

this is my 1st time purchasing car insurance through myeg. Need some advise & help here. Do u guys add-on CART? Plus i do add-on windshield protection for RM300. My car is myvi year 2015.

**After reading through the forum, i found out that can claim CART if report as third-party accident. But this CART for third party is already included under my comprehensive policy or i have to add-on for this?

Newbie here still trying to figure out all this insurance policy   

Last time some BMW idiot whacked my beloved car, his bloody insurance compaby damn lansi and refused to pay me for loss of use. I told her off. If no pay, I will release the entire recorded conversation and their client's full details on social media.

After a week, they paid up.

if accident alone, cannot claim cars or lou ? or got option can get additional protection for this?

saigetsu hi bro, let's say let motorcyclist bang my car, can claim insurance and not affect the NCD? if yes what is the procedure like?

thanks for reply. so is od kfk not odn?

Wanna ask, if my car got banged from the back and the workshop said 2 weeks to fix..but actually its just bumper scratch and need to knock back and painting..nothing major..
I wonder if the 2 weeks is just for processing the claims/ waiting for police documents?coz i asked my fren, he said to fix its just about 1 day with painting and knocking..
Is it possible not to leave my car at the workshop for that long?...can i only bring the car there when the adjuster come for assessment? and arrange the time with the workshop to fix it..

I called my insurance company TM and they told me to go to TM panel workshop and claim from them first.will not affect my NCB.then they will claim back from the person at fault's insurance company..
btw, is there a deadline to claim for insurance?coz i would need to use the car for work...

Involved in a pile-up in a slow traffic. A luxury car bang 3 cars before hitting mine (direct impact), and my car lunge forward and hit a 4x4 in front.

Let say, if the driver of the luxury car lost conscious before hitting all of us, is there any complication in claiming? And who should/can I claim it from, beside OD?

Any assist in this matter will be appreciated.

Thanks for the input. Just received call from traffic department yesterday evening, the sergeant said it's a no-fault collision thus all 5 cars can only claim own insurance (NCD unaffected).