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> Accident 101: i teach u claim loss of use

saigetsu
post Feb 3 2018, 01:22 PM

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QUOTE(ultimate93 @ Feb 3 2018, 01:13 PM)
Hello guys,
Want to ask

I bang people car last month and that car who kena bang doesnt stop and run away.... (dont ask me why... i also dont knw)

So i claimed my own insurance and the car still in repairing now....

Hence, am I able to claim the loss of use from my own insurance? (Premium insurance)
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If u bought compensation against repair time coverage then yes. It is additional coverage. There is no such thing as premoum insurance. If u just simply buy, high likely u didnt buy CART cover
constancethen
post Feb 3 2018, 04:28 PM

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i'm glad that got this useful tread to enlighten me some good knowledge.
but can i ask have somebody ever claim towing fee direct with TAKAFUL MALAYSIA? i got the reply from takaful malaysia that asking me to liaise directly with workshop on towing reimbursement . but the problem is i paid cash by myself. i dont trust with the workshop because they act slow and no fast respond taken even called has made/ text. any similiar case for my reference. if reimbursement thru the workshop is no hassle free . the money with go thru they account .....tq.

This post has been edited by constancethen: Feb 3 2018, 04:29 PM
saigetsu
post Feb 3 2018, 04:47 PM

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QUOTE(constancethen @ Feb 3 2018, 04:28 PM)
i'm glad that got this useful tread to enlighten me some good knowledge.
but  can i ask have somebody ever claim towing fee direct with TAKAFUL MALAYSIA? i got the reply from takaful malaysia that asking me to liaise directly with workshop on towing reimbursement . but the problem is i paid cash by myself. i dont trust with the workshop because they act  slow and no fast respond taken even called has made/ text. any similiar case for my reference. if reimbursement thru the workshop is no hassle free . the money with go thru they account .....tq.
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Ur mistake is to pay the tow truck. U shud contact ur insurance and they will tow ur car for free
ultimate93
post Feb 3 2018, 06:42 PM

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QUOTE(saigetsu @ Feb 3 2018, 01:22 PM)
If u bought compensation against repair time coverage then yes. It is additional coverage. There is no such thing as premoum insurance. If u just simply buy, high likely u didnt buy CART cover
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Oh that's mean it not come by default....
Most likely i didnt add on sad.gif
buggie
post Feb 5 2018, 04:23 PM

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QUOTE(constancethen @ Feb 3 2018, 04:28 PM)
i'm glad that got this useful tread to enlighten me some good knowledge.
but  can i ask have somebody ever claim towing fee direct with TAKAFUL MALAYSIA? i got the reply from takaful malaysia that asking me to liaise directly with workshop on towing reimbursement . but the problem is i paid cash by myself. i dont trust with the workshop because they act  slow and no fast respond taken even called has made/ text. any similiar case for my reference. if reimbursement thru the workshop is no hassle free . the money with go thru they account .....tq.
*
Your policy should allow a reimbursement of the towing fee up to RM 200.00

I think maybe the insurance is asking you to claim the 200 from workshop, pass them the bill and the workshop will built into the claim along with the repair cost.

If you paid more than 200 then sorry. Max you get back is 200.

If your policy comes with free towing, next time best to call your insurer call centre.
MeToo
post Feb 5 2018, 04:32 PM

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QUOTE(buggie @ Feb 5 2018, 04:23 PM)
Your policy should allow a reimbursement of the towing fee up to RM 200.00

I think maybe the insurance is asking you to claim the 200 from workshop, pass them the bill and the workshop will built into the claim along with the repair cost.

If you paid more than 200 then sorry. Max you get back is 200.

If your policy comes with free towing, next time best to call your insurer call centre.
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ALWAYS call your insurance.

Allianz/AIG, very easy to deal... just call their tow truck come no questions asked.
lynnette leong
post Feb 5 2018, 09:59 PM

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This post has been edited by lynnette leong: Feb 6 2018, 01:32 AM
wongck
post Feb 6 2018, 10:26 AM

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I would like to know what you can do if you have accident inside parking mall?
Not hit and run situation, is on the spot either you bang people or people bang you.
Is it 100% unclaimable from insurance since is consider private compound?

This post has been edited by wongck: Feb 6 2018, 10:28 AM
saigetsu
post Feb 6 2018, 10:36 AM

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QUOTE(wongck @ Feb 6 2018, 10:26 AM)
I would like to know what you can do if you have accident inside parking mall?
Not hit and run situation, is on the spot either you bang people or people bang you.
Is it 100% unclaimable from insurance since is consider private compound?
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can claim.

as long as public car can access, it is consider as public.

apartment parking pun boleh
wongck
post Feb 6 2018, 10:47 AM

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QUOTE(saigetsu @ Feb 6 2018, 10:36 AM)
can claim.

as long as public car can access, it is consider as public.

apartment parking pun boleh
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Noted thank you.
But is it same procedure? make police report and claim the insurance?
Or need extra steps, like get the building management letter or whatever is required?

This post has been edited by wongck: Feb 6 2018, 10:49 AM
MeToo
post Feb 6 2018, 10:54 AM

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QUOTE(wongck @ Feb 6 2018, 10:47 AM)
Noted thank you.
But is it same procedure? make police report and claim the insurance?
Or need extra steps, like get the building management letter or whatever is required?
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Nope.

The usual process.
wongck
post Feb 6 2018, 11:12 AM

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QUOTE(MeToo @ Feb 6 2018, 10:54 AM)
Nope.

The usual process.
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TQ
saigetsu
post Feb 6 2018, 01:15 PM

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QUOTE(wongck @ Feb 6 2018, 10:47 AM)
Noted thank you.
But is it same procedure? make police report and claim the insurance?
Or need extra steps, like get the building management letter or whatever is required?
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Nonneed
AmeiN
post Feb 9 2018, 05:54 PM

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QUOTE(saigetsu @ Feb 6 2018, 01:15 PM)
Nonneed
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boss, want to ask.. stolen car claim, how long can get? ask etiqa, hesitate to give answer.
saigetsu
post Feb 9 2018, 11:03 PM

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QUOTE(AmeiN @ Feb 9 2018, 05:54 PM)
boss, want to ask.. stolen car claim, how long can get? ask etiqa, hesitate to give answer.
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Atleast more than 6 months. Coz the rule set is that must give 6 months to police looking for ur car. Or rather, wait until so happen by luck found urcar
AmeiN
post Feb 9 2018, 11:21 PM

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QUOTE(saigetsu @ Feb 9 2018, 11:03 PM)
Atleast more than 6 months. Coz the rule set is that must give 6 months to police looking for ur car. Or rather, wait until so happen by luck found urcar
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I see.. Thank you..
MeToo
post Feb 10 2018, 11:32 AM

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QUOTE(saigetsu @ Feb 9 2018, 11:03 PM)
Atleast more than 6 months. Coz the rule set is that must give 6 months to police looking for ur car. Or rather, wait until so happen by luck found urcar
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You better PRAY they don't find your car....
RiriRuruRara
post Feb 11 2018, 08:54 PM

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QUOTE(saigetsu @ Feb 9 2018, 11:03 PM)
Atleast more than 6 months. Coz the rule set is that must give 6 months to police looking for ur car. Or rather, wait until so happen by luck found urcar
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Hi boss, wta did I do any mistake. A car reverse into me just now causing damage to my car. There came these toll truck runner on the motorcycle. He say just let him do everything from police report right up to the repairs. It was my first time having accident, is it ok I trust this guy completely???
saigetsu
post Feb 11 2018, 10:24 PM

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QUOTE(RiriRuruRara @ Feb 11 2018, 08:54 PM)
Hi boss, wta did I do any mistake. A car reverse into me just now causing damage to my car. There came these toll truck runner on the motorcycle. He say just let him do everything from police report right up to the repairs. It was my first time having accident, is it ok I trust this guy completely???
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He will send tonhis workshop, and probably will charge u for tow truck fees.

U cannot send ur car to ur preferred workshop or honda toyota etc .

Thats all i guess.
RiriRuruRara
post Feb 11 2018, 10:29 PM

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QUOTE(saigetsu @ Feb 11 2018, 10:24 PM)
He will send tonhis workshop, and probably will charge u for tow truck fees.

U cannot send ur car to ur preferred workshop or honda toyota etc .

Thats all i guess.
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He told me I don't have to spend anything, everything will claim from the guy who bang me? My car is a perodua he said will replace everything with original parts?

Should I trust him or go get back my car???

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