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.

http://imgur.com/5AxuEVq
no.3 is the tricky part, coz adjuster u know lah...

sekian. Thank you

This post has been edited by saigetsu: Dec 29 2015, 02:44 PM

Good info.

But need further clarification/ explanation on layman term, not everyone in /k is expert like u

What is different between 1 and 2.
What is OD kfk?
What is langsi?

thanks for info

U forgot to note that all these claims only work if the 3rd party reported the case as well.

If hit and run without a proper police report. You can makan sendiri.

Tenkiu....your point on 1 and 2. Anyway, you already answered.

OD kfk - you claim your own insurance and still not lost NCD. Wow....something new I learned. Thank you

Further question, OD kfk - can elaborate more? Ppl bang me, I claim my own insurance, and at same time I won't lost my NCD. Then, don't my insurance company disagree? Not my fault, or I mean the insurance co issue, but they have to pay for me, while the insurance for the person who bang me no need pay anything?

Terima kasih TS

TQ BRO

if I knock the other vehicle, can still claim how?

This post has been edited by DarkNite: Oct 1 2014, 10:20 AM

there is a condition for od kfk. if people bang u is comprehensive policy, u can claim od kfk. insurance company legally must agree. but u must know the type of cover of the people bang u lah.

if people bang u only have third party policy, then u have no choice but option 2.

if hit and run, make sure first thing u know the plate number. once u know the plate number u still can claim but a bit hassle.

have to go to commisioner of oath ckp this plate number car hit me and run away. then u can proceed claim third party against insurers of this langsi people.

OIC...once again. Thank you TS

x faham... details sket.

I recently got bang in a pile up. Car behind got hit and the car moved forward and hit mine
When we went to report, the last car did not report yet. We both want to claim from the last car.
What happens if the car did not report? I don't know whether the stupid driver reported or not. I have got my police report and calling the elevator to access my 1 month old car

This post has been edited by barista: Oct 1 2014, 10:23 AM

How about we bang ppl for their own mistake? Malaysian SOP i believe whoever hit us from back is consider already wrong.

Pernah involved in one excident at federal. It's a LADY bwk motor xreti bagi signal and look for any incoming vehicle. Instead compensate, her brother threaten me to report and accuse me for hitting from back.

How??

TS, how if my car park at there, and kena hit and run by someone, can claim wat? with no NCD void?

Ayam abit confiused...

This is my case.

Met accident and reported police 1 hour after that on the same day.
Bring car to shop and claim OD-KFK, fixed and out shop after 1 week.
Waited 2 weeks for keputusan but police say not yet out due to 3rd party no report.
The sergeant doesnt seems to be helpful...keputusan still pending until now due to im at KL, reported at BTW.

My NCD still not affected although i have not submitted keputusan (special case)

So will i am to claim LOU?
If yes, will my insurance company kao tim for me or i ownself have to do it?
If ownself, how?

i parking my car liao kena hit n run.dunno who dunno when..zz

thx bro

most likely is not claim able even wit the plate number submitted on the report.
hit and run is a gone case. not insurance company will dare to insure it.

I knock the other car and now both cars are in the workshop for repair.
so can I also claim for lose of usage of my car?

this article is still rough and sketchy for newbies like me. Pls elaborate more.

oh my post is about people bang your car. now that u bang people car, u cannot claim loss of use laa.... u wrong ma.. only he can claims against yours.

unless, u subscribe CART insurance when u renew your insurance. then u can claim for LOU

yours is chain collision... procedure is u always claim people from behind you... immediate behind. not the last one. if you are thesecond last in your case above.. then too bad. refer to my post earlier how to claim if people behind u didnt lodge police report. but i belip he will la... his car sure ggot damage one. sure claim insurance one. it just slower or late report.

there is no their own mistake in malaysia lorrr...

when u bang people, its yours, unless u stated in your police report

that car x bg signal and enroach my path, i give honk but its too late. police may end up summon that guy, and u can claim against him .. but rarely happen. too bad. or

the other condition, police didnt summon anybody but consider this case as RTI - refer to insurer.
in this case, insurance decide la who salah, and only pay 40% of the total cost repair. fuuu

which part?

boss mai case how?

thanks for the reply. how much is the premium for CART insurance? what are they cost factors?

1 question
i claim warranty before...other party's insurance
the workshop told me they have help me claim loss of use..i saw it somemore
but i never received any cheque since
what do i do?

well, you can start with all the questions ppl are asking and you having to answer one by one. How about combining all those info properly in the 1st post itself with example of scenarios for better understanding

I appreciate the info given, but having to go through countless posts to get the whole picture isn't helpful for ppl like me who is new to these things.

1. find the langsi plate number - kalo x dapat your loss.
2. go jpj, find out which insurer this langsi subscribed.
3. write letter want to claim LOU from this insurer, pass all doc (adjuster report, police report)
4. langsi insurer received your claim, and will contact langsi confrim everything. langsi insurer ussually will send a letter to langsi stated that if x mengaku, insurer will liable to pay if anything.
5. ????
6. profit.. well if x menagku jugak, seek advice from langsi insurer how... i seriously dunno what to do la if got people like this.

u meant spoonfeed u? boh layan

haha this one i dunno.. diff insurers vary. i only know kurnia offer this product

My case:
My car stuck at the workshop for three months before completed repair. I claimed for ODKFK first, later got all police results then the workshop claimed for third party.

If I wanna claim for LOU, do I have to claim myself? What document I need? and since the car stuck at the workshop for three months, how many days do I get to claim?

lol too bad. next time do it your self. workshop sudah telan, or unless u got prove that workshop need to help u.

TS should include info on betterment and excess terms use by insurance company.

your car stuck for three month doenst mean in the adjuster report says the repair time require is 3 months. it may only requires 7 days. then u only eligible to claim 7 days ony. thats y i said, adjuster x boleh pakai or workshop x boleh pakai.

workshop claim third party its either , the other party only got third party cover, not comprehensive cover or, u kena tipu dengan insurer.

how to make claim for LOU by your self

1. refer to my previous post in this thread. go to jpj etc2.

today LOU sudah la

hit and run mostly can claim as long as u have the other party's plate
many known case already

they did ask me to sign something
say will submit to the insurance company thn the cheque will be mailed to me
its like <an amount> X how many days = RMXXX
a letter like that
she did mention max is 2 weeks

This post has been edited by MR_alien: Oct 1 2014, 11:12 AM

Nope, I meant third-party here is the one that bang my car (lorry).

Everything is done already, I claimed for ODKFK first, then my insurance will claim from the lorry's insurance.

I have documents such as the workshop report, the JPJ search and the insurer of the lorry already.

Other party insurance expired? No.
Rented Car Unit? No.
Not driven by owner (sum not insured)? No.

Have to depend on your insurance also.
Alliance doesn't cover hit and run that well.

in the case u mention..yes
in those situation can't claim

Even claim ODKFK still have to wait for "Police Outcome Report" first to confirm which party is at fault - which will take at least 15 days if I'm not mistaken, no? So it's not immediate per se.

then u follow up loh with the workshop or langsi insurer.
then u write a simple letter want to claim, later they will reply and ask docs. follow insutruction then ok d

if got cable, 1 day oso can get.. police oso very efficient if got incentive. hehe

U talking about LoU only right?

But then, regardless of whether insurer mengaku or not, as long as i have the keputusan then his insurance company has to pay right?

Malaysia Oh Tanahairku

finally /k ada useful info, tq ts

OD-KFK means you claim from your own insurance 1st....your NCD will be temporarily held, until police report out and if not your fault then you will get back your NCD.

As for my case, i have "tali" thats why my NCD not touched although report not yet out.

Can claim. I experienced before. Car was bang (very badly) by dunno drunk driver or what, cause I park at road side, legal with proper petak btw. Some good passerby told me the plate number of the car. I go report police. The fella report later, and instead put in my car plate number, he put some dummy number, who definitely, the owner won't report, coz no report mar. Ultimately, after some time, and lots of , keputusan case out, it the fella fault, and I can claim. Whole process, took me 6-9 months, reason, of the above, the car register outstation.

Police outcome report is out within 14 days. But, if you the investigating officer, or ask some runner to do it for you (in return to let your car repair by them), then, immediately u can have it

workshop is far
the insurance company also not sure locate at where
no time also
need to find time

if langsi admit, easier for you la to do the claim. but if u have the keputusan, meaning langsi also already made police report kan. so if will not have prob at the police side... just wait keputusan ony. keputusan will deterine your insuraance pay u or not , and how much they will pay, full or not full..

haiya complicated la want to explain here.

This post has been edited by saigetsu: Oct 1 2014, 11:26 AM

how to police liao... dunno how to hint...

This is what I call worthy /k/ thread.

the vera kari tered all like sampah.

thank you, one of the way to feel my self being appreciated for the job that i dnt even think i will end up with,

no admit also can get keputusan lor...under seksyen 52 hit and run.
I have the lorry pic and everything.

wats ur job? adjuster?

He reports later.
So it automatically makes your report valid to be investigate. Of course can claim lo, but process damn long.

If he didnt report. You can go fly kite d

no. more macro..

ok learn something new on the police side. so its not really langgar lari la.. more like lorry didnt report..

what is the content of the keputusan? does it mention which party wrong?

talk nicely my ass... i think u never came across police who want to take advantage of your accidennt, tuka content police report suka hati mak bapak die and then sold the case to lawyer. macam sial.

all of sudden got third party bodily injury claims against bapak die.. and the victim of bodily injury was never involve with accident with bapak die... coz bapak die kenal who he bang with. Jilaka

happened to my colleague dad's car.

i don't speak cantonese but isn't OP abusing the word lansi here?

only lansi reference i know is kerek/sombong/arrogant/dickhead/LCLY

havent out yet lol... too far already at BTW im at KL

how mean more macro? tell ler

auditor

well, you can start with all the questions ppl are asking and you having to answer one by one. How about combining all those info properly in the 1st post itself with example of scenarios for better understanding

I appreciate the info given, but this would be even more helpful instead having to read countless posts to get the picture

im indian lol.. ive got issue in RWI for not understanding the word langsi. but no problem oso.

so langsi in this context is the culprit la

dammm

patut la..

but yeah thanks for the info. and yeah making an insurance claim is a b****. the Sergeant kept asking for runner instead of me when i asked about the investigative result...

Maybe When I spoke to the officer, he told me that even if the fella no report, a saman letter will be issue to him, asking him to come to police station to explain why he didn't report, and to justify/ proof that he didn't accident, and they will investigate. But, then, again, you know lah how efficient our PDRM whether happen or not, no one know

Yes, time to wait for investigation report, time to wait for adjuster, time for workshop to repair......all open for abuse, while those vulture runner try to get a share of profit, offering u fast repair and they will kautim with u, in return that you handover your car to be repair by them.

I learned my lesson, NO WAY! Reason, no offence to those honest workshop here, 99.99% workshop I meet, not only try to con the insurance company for maximum claim, but, also replace with sub-standard, non original parts for you, but claim new, original parts, and insurance company ask you to pay for betterment cost. And, workmanship, really questionable. Now, I rather DIY all myself, get investigation report myself, go to authorised car brand dealer for repair (instead of any workshop authorised by insurance co) yes, take longer time, but, peace of mind, and I know what I pay is what I get.

Mine others bang me...
Already repot, keputusan out....
Already 3 month, havent fix my car yet....
Reason need car, running business..

Still can claim....????

you can claim but then your insurance will wanna know why u delay in claiming the insurance. more hassle...

my case i just delay 1 week they made such a big fuss...

rent car, get receipt. refer to my previous post

of coz, they can say u con them... haha

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

This post has been edited by saigetsu: Oct 1 2014, 12:15 PM

ts, u sure thats the current rate for CART?
I got RM60 per day when my Myvi got hantam by a nurse' Unser.

Thank you Ts.

I went thru perodua. Adjuster report rekemen 2 weeks for repair time, but end up taking 6 weeks. Had to push a lot, but in the end I got decent parts and no issues even though my front right drive train was totalled in the accident.

Also, in my experience, they start counting from the day of the adjusters report out, and nothing paid for before or after, so that's all you can claim for loss of use

This post has been edited by joe_star: Oct 1 2014, 12:20 PM

not sure... walao so high one.. u sure or not,... ini BNM guideline mah

TQ boss

Mine Honda, 1 month.

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.

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

capalang workshop or franchise honda one?

Honda franchise one.

thank you TS.. If my cat ever give birth, i will name it after you

saigetsu

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

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

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

Thank u ts...but I dont understand