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> Accident 101: i teach u claim loss of use

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TS saigetsu
post Oct 1 2014, 09:59 AM, updated 3w ago

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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
2feidei
post Oct 1 2014, 10:05 AM

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Good info. thumbup.gif

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?

TS saigetsu
post Oct 1 2014, 10:07 AM

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QUOTE(2feidei @ Oct 1 2014, 10:05 AM)
Good info.  thumbup.gif

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

What is different between 1 and 2. - which 1 and 2?
What is OD kfk? own damage knock for knock - its a term anyway where u claimed from your own insurance
What is langsi? - people who bang u lah... sorry if langsi got diff meaning
*
vearn29
post Oct 1 2014, 10:08 AM

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thanks for info
AceKendy
post Oct 1 2014, 10:09 AM

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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.
2feidei
post Oct 1 2014, 10:11 AM

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QUOTE(saigetsu @ Oct 1 2014, 10:07 AM)

*
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?
EdBaaBaa
post Oct 1 2014, 10:13 AM

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Terima kasih TS
KepliCorn Inc
post Oct 1 2014, 10:14 AM

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TQ BRO
DarkNite
post Oct 1 2014, 10:18 AM

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

This post has been edited by DarkNite: Oct 1 2014, 10:20 AM
TS saigetsu
post Oct 1 2014, 10:18 AM

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QUOTE(2feidei @ Oct 1 2014, 10:11 AM)
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?
*
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.


TS saigetsu
post Oct 1 2014, 10:20 AM

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QUOTE(AceKendy @ Oct 1 2014, 10:09 AM)
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.
*
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.
2feidei
post Oct 1 2014, 10:20 AM

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QUOTE(saigetsu @ Oct 1 2014, 10:18 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.
*
OIC...once again. Thank you TS notworthy.gif notworthy.gif notworthy.gif thumbup.gif thumbup.gif thumbup.gif
TS saigetsu
post Oct 1 2014, 10:21 AM

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QUOTE(DarkNite @ Oct 1 2014, 10:18 AM)
if I knock the other vehicle, can still claim how?
*
x faham... details sket.
barista
post Oct 1 2014, 10:23 AM

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I recently got bang in a pile up. Car behind got hit and the car moved forward and hit mine sad.gif
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 sad.gif

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

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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??
ZzZzz...
post Oct 1 2014, 10:24 AM

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TS, how if my car park at there, and kena hit and run by someone, can claim wat? with no NCD void?
WaCKy-Angel
post Oct 1 2014, 10:26 AM

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» Click to show Spoiler - click again to hide... «

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?

minionbanana
post Oct 1 2014, 10:27 AM

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QUOTE(saigetsu @ Oct 1 2014, 10:20 AM)
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.
*
i parking my car liao kena hit n run.dunno who dunno when..zz
Pugface
post Oct 1 2014, 10:29 AM

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thx bro
AceKendy
post Oct 1 2014, 10:29 AM

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QUOTE(saigetsu @ Oct 1 2014, 11:20 AM)
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.
*
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.
DarkNite
post Oct 1 2014, 10:33 AM

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QUOTE(saigetsu @ Oct 1 2014, 10:21 AM)
x faham... details sket.
*
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? hmm.gif
cruel_boy
post Oct 1 2014, 10:39 AM

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this article is still rough and sketchy for newbies like me. Pls elaborate more.
TS saigetsu
post Oct 1 2014, 10:41 AM

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QUOTE(DarkNite @ Oct 1 2014, 10:33 AM)
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? hmm.gif
*
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
TS saigetsu
post Oct 1 2014, 10:44 AM

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QUOTE(barista @ Oct 1 2014, 10:23 AM)
I recently got bang in a pile up. Car behind got hit and the car moved forward and hit mine sad.gif
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 sad.gif
*
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.
TS saigetsu
post Oct 1 2014, 10:47 AM

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QUOTE(BigSaver @ 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??
*
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
TS saigetsu
post Oct 1 2014, 10:48 AM

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QUOTE(cruel_boy @ Oct 1 2014, 10:39 AM)
this article is still rough and sketchy for newbies like me. Pls elaborate more.
*
which part?
WaCKy-Angel
post Oct 1 2014, 10:50 AM

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QUOTE(WaCKy-Angel @ Oct 1 2014, 10:26 AM)
» Click to show Spoiler - click again to hide... «

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?
*
QUOTE(saigetsu @ Oct 1 2014, 10:48 AM)
which part?
*
boss mai case how?
DarkNite
post Oct 1 2014, 10:51 AM

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QUOTE(saigetsu @ Oct 1 2014, 10:41 AM)
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
*
thanks for the reply. how much is the premium for CART insurance? what are they cost factors?
MR_alien
post Oct 1 2014, 10:55 AM

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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?
cruel_boy
post Oct 1 2014, 10:58 AM

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QUOTE(saigetsu @ Oct 1 2014, 10:48 AM)
which part?
*
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.
TS saigetsu
post Oct 1 2014, 11:01 AM

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QUOTE(WaCKy-Angel @ Oct 1 2014, 10:50 AM)
boss mai case how?
*
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.

TS saigetsu
post Oct 1 2014, 11:01 AM

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QUOTE(cruel_boy @ Oct 1 2014, 10:58 AM)
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.
*
u meant spoonfeed u? boh layan
TS saigetsu
post Oct 1 2014, 11:02 AM

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QUOTE(DarkNite @ Oct 1 2014, 10:51 AM)
thanks for the reply. how much is the premium for CART insurance? what are they cost factors?
*
haha this one i dunno.. diff insurers vary. i only know kurnia offer this product
HeReLiSm
post Oct 1 2014, 11:02 AM

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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?
TS saigetsu
post Oct 1 2014, 11:03 AM

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QUOTE(MR_alien @ Oct 1 2014, 10:55 AM)
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?
*
lol too bad. next time do it your self. workshop sudah telan, or unless u got prove that workshop need to help u.
quick_shaq
post Oct 1 2014, 11:04 AM

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


TS saigetsu
post Oct 1 2014, 11:06 AM

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QUOTE(HeReLiSm @ Oct 1 2014, 11:02 AM)
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?
*
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.
TS saigetsu
post Oct 1 2014, 11:07 AM

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QUOTE(quick_shaq @ Oct 1 2014, 11:04 AM)
TS should include info on betterment and excess terms use by insurance company.
*
today LOU sudah la
MR_alien
post Oct 1 2014, 11:09 AM

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QUOTE(AceKendy @ Oct 1 2014, 10:29 AM)
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.
*
hit and run mostly can claim as long as u have the other party's plate
many known case already
MR_alien
post Oct 1 2014, 11:10 AM

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QUOTE(saigetsu @ Oct 1 2014, 11:03 AM)
lol too bad. next time do it your self. workshop sudah telan, or unless u got prove that workshop need to help u.
*
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
HeReLiSm
post Oct 1 2014, 11:11 AM

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QUOTE(saigetsu @ Oct 1 2014, 11:06 AM)
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.
*
Nope, I meant third-party here is the one that bang my car (lorry). blush.gif

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.
AceKendy
post Oct 1 2014, 11:11 AM

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QUOTE(MR_alien @ Oct 1 2014, 12:09 PM)
hit and run mostly can claim as long as u have the other party's plate
many known case 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.
MR_alien
post Oct 1 2014, 11:13 AM

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QUOTE(AceKendy @ Oct 1 2014, 11:11 AM)
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
toenexx
post Oct 1 2014, 11:15 AM

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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.
TS saigetsu
post Oct 1 2014, 11:19 AM

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QUOTE(MR_alien @ Oct 1 2014, 11:10 AM)
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
*
then u follow up loh with the workshop or langsi insurer.
QUOTE(HeReLiSm @ Oct 1 2014, 11:11 AM)
Nope, I meant third-party here is the one that bang my car (lorry).  blush.gif

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.
*
then u write a simple letter want to claim, later they will reply and ask docs. follow insutruction then ok d
TS saigetsu
post Oct 1 2014, 11:20 AM

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QUOTE(toenexx @ Oct 1 2014, 11:15 AM)
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.
*
if got cable, 1 day oso can get.. police oso very efficient if got incentive. hehe
WaCKy-Angel
post Oct 1 2014, 11:20 AM

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QUOTE(saigetsu @ Oct 1 2014, 11:01 AM)
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 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?
toenexx
post Oct 1 2014, 11:22 AM

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QUOTE(saigetsu @ Oct 1 2014, 11:20 AM)
if got cable, 1 day oso can get.. police oso very efficient if got incentive. hehe
*
Malaysia Oh Tanahairku rolleyes.gif
highwaykiller
post Oct 1 2014, 11:22 AM

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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
*
finally /k ada useful info, tq ts notworthy.gif
WaCKy-Angel
post Oct 1 2014, 11:22 AM

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QUOTE(toenexx @ Oct 1 2014, 11:15 AM)
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.
*
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.
2feidei
post Oct 1 2014, 11:23 AM

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QUOTE(AceKendy @ Oct 1 2014, 10:29 AM)
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.
*
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 whistling.gif , 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.

QUOTE(toenexx @ Oct 1 2014, 11:15 AM)
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.
*
Police outcome report is out within 14 days. But, if you brows.gif 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
MR_alien
post Oct 1 2014, 11:23 AM

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QUOTE(saigetsu @ Oct 1 2014, 11:19 AM)
then u follow up loh with the workshop or langsi insurer
*
workshop is far
the insurance company also not sure locate at where
no time also
need to find time
TS saigetsu
post Oct 1 2014, 11:26 AM

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QUOTE(WaCKy-Angel @ Oct 1 2014, 11:20 AM)
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?
*
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
TS saigetsu
post Oct 1 2014, 11:28 AM

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QUOTE(2feidei @ Oct 1 2014, 11:23 AM)
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  whistling.gif , 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  brows.gif 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
*
how to whistling.gif police liao... dunno how to hint...
unknown warrior
post Oct 1 2014, 11:29 AM

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This is what I call worthy /k/ thread.

the vera kari tered all like sampah.
TS saigetsu
post Oct 1 2014, 11:31 AM

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QUOTE(unknown warrior @ Oct 1 2014, 11:29 AM)
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,
WaCKy-Angel
post Oct 1 2014, 11:33 AM

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QUOTE(saigetsu @ Oct 1 2014, 11:26 AM)
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.
*
no admit also can get keputusan lor...under seksyen 52 hit and run.
I have the lorry pic and everything.
WaCKy-Angel
post Oct 1 2014, 11:34 AM

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QUOTE(saigetsu @ Oct 1 2014, 11:31 AM)
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,
*
wats ur job? adjuster?
AceKendy
post Oct 1 2014, 11:34 AM

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QUOTE(2feidei @ Oct 1 2014, 12:23 PM)
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  whistling.gif , 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  brows.gif 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
*
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
TS saigetsu
post Oct 1 2014, 11:38 AM

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QUOTE(WaCKy-Angel @ Oct 1 2014, 11:34 AM)
wats ur job? adjuster?
*
no. more macro..
TS saigetsu
post Oct 1 2014, 11:40 AM

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QUOTE(WaCKy-Angel @ Oct 1 2014, 11:33 AM)
no admit also can get keputusan lor...under seksyen 52 hit and run.
I have the lorry pic and everything.
*
ok learn something new on the police side. so its not really langgar lari la.. more like lorry didnt report.. rclxms.gif

what is the content of the keputusan? does it mention which party wrong? unsure.gif
TS saigetsu
post Oct 1 2014, 11:43 AM

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QUOTE(Toyoi @ Oct 1 2014, 11:39 AM)
go claim the outcome report yourself, talk nicely sure can get it, no need incentive or ask the workshop to collect on your behalf. lol
*
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.
mukhlisz
post Oct 1 2014, 11:43 AM

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

only lansi reference i know is kerek/sombong/arrogant/dickhead/LCLY
WaCKy-Angel
post Oct 1 2014, 11:44 AM

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QUOTE(saigetsu @ Oct 1 2014, 11:40 AM)
ok learn something new on the police side. so its not really langgar lari la.. more like lorry didnt report..  rclxms.gif 

what is the content of the keputusan? does it mention which party wrong? unsure.gif
*
havent out yet lol... too far already at BTW im at KL
WaCKy-Angel
post Oct 1 2014, 11:45 AM

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QUOTE(saigetsu @ Oct 1 2014, 11:38 AM)
no. more macro..
*
how mean more macro? tell ler
TS saigetsu
post Oct 1 2014, 11:46 AM

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QUOTE(WaCKy-Angel @ Oct 1 2014, 11:45 AM)
how mean more macro? tell ler
*
auditor
cruel_boy
post Oct 1 2014, 11:47 AM

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QUOTE(saigetsu @ Oct 1 2014, 10:48 AM)
which part?
*
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
TS saigetsu
post Oct 1 2014, 11:48 AM

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QUOTE(mukhlisz @ Oct 1 2014, 11:43 AM)
i don't speak cantonese but isn't OP abusing the word lansi here?  rclxub.gif

only lansi reference i know is kerek/sombong/arrogant/dickhead/LCLY
*
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
bananajoe
post Oct 1 2014, 11:51 AM

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dammm
mukhlisz
post Oct 1 2014, 11:51 AM

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QUOTE(saigetsu @ Oct 1 2014, 11:48 AM)
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
*

patut la.. laugh.gif

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... shakehead.gif
2feidei
post Oct 1 2014, 11:56 AM

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QUOTE(AceKendy @ Oct 1 2014, 11:34 AM)
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
*
Maybe nod.gif 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 whistling.gif whether happen or not, no one know whistling.gif
2feidei
post Oct 1 2014, 12:07 PM

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QUOTE(mukhlisz @ Oct 1 2014, 11:51 AM)
patut la..  laugh.gif

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...  shakehead.gif
*
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.
sohailayhun
post Oct 1 2014, 12:08 PM

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

Still can claim....????
mukhlisz
post Oct 1 2014, 12:12 PM

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QUOTE(sohailayhun @ Oct 1 2014, 12:08 PM)
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... sweat.gif
TS saigetsu
post Oct 1 2014, 12:12 PM

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QUOTE(sohailayhun @ Oct 1 2014, 12:08 PM)
Mine others bang me...
Already repot, keputusan out....
Already 3 month, havent fix my car yet....
Reason need car, running business..

Still can claim....????
*
rent car, get receipt. refer to my previous post
TS saigetsu
post Oct 1 2014, 12:13 PM

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QUOTE(mukhlisz @ Oct 1 2014, 12:12 PM)
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...  sweat.gif
*
of coz, they can say u con them... haha
TS saigetsu
post Oct 1 2014, 12:14 PM

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QUOTE(2feidei @ Oct 1 2014, 12:07 PM)
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.
*
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
neo.crazed
post Oct 1 2014, 12:17 PM

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ts, u sure thats the current rate for CART?
I got RM60 per day when my Myvi got hantam by a nurse' Unser.
sohailayhun
post Oct 1 2014, 12:18 PM

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QUOTE(saigetsu @ Oct 1 2014, 12:12 PM)
rent car, get receipt. refer to my previous post
*
Thank you Ts.
joe_star
post Oct 1 2014, 12:19 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
*
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
TS saigetsu
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
2feidei
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
TS saigetsu
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?
2feidei
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
TS saigetsu
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
2feidei
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

seijiseimura84
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 👌
TS saigetsu
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.
TS saigetsu
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
TS saigetsu
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.


HeReLiSm
post Oct 1 2014, 02:48 PM

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QUOTE(neo.crazed @ Oct 1 2014, 02:08 PM)
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.
*
Yup, I know all the procedure. But donno how to claim LOU from the lansi's insurer sweat.gif

my car complete repaired already. just haven't make LOU claim yet.
Felice821
post Oct 1 2014, 02:56 PM

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My car got into chain accident last year May. Report been made and claimed 3rd party. Car in workshop for 1 month plus due to taichi and ding dong-ing.

I just called the workshop, my LOU still pending. The workshop yet to receive cheque from the insurance company. And the workshop told me even the LOU issued, I need to pay lawyer fees for that. So in the end, might get nothing back.
TS saigetsu
post Oct 1 2014, 03:02 PM

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QUOTE(Felice821 @ Oct 1 2014, 02:56 PM)
My car got into chain accident last year May. Report been made and claimed 3rd party. Car in workshop for 1 month plus due to taichi and ding dong-ing.

I just called the workshop, my LOU still pending. The workshop yet to receive cheque from the insurance company. And the workshop told me even the LOU issued, I need to pay lawyer fees for that. So in the end, might get nothing back.
*
ask him for breakdown... lawyer fees tp insurer paid one. means lawyer telan your money or workshop telan.

tp claims a bit hard to get in full coz involve too many parties who are conman. especially lawyers
TS saigetsu
post Oct 1 2014, 03:03 PM

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QUOTE(HeReLiSm @ Oct 1 2014, 02:48 PM)
Yup, I know all the procedure. But donno how to claim LOU from the lansi's insurer  sweat.gif

my car complete repaired already. just haven't make LOU claim yet.
*
jangan lambat!, nnt insurance co persoal!
Felice821
post Oct 1 2014, 03:11 PM

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QUOTE(saigetsu @ Oct 1 2014, 03:02 PM)
ask him for breakdown... lawyer fees tp insurer paid one. means lawyer telan your money or workshop telan.

tp claims a bit hard to get in full coz involve too many parties who are conman. especially lawyers
*
The workshop told me the claims might not much, and need to give it for lawyer fees. It's been 17 months, and I still yet to get the money.

Normally how long it takes?
toenexx
post Oct 1 2014, 03:15 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
*
Instead of opting for public transport and you only get paid RM30/day isn't it better to just rent a car instead?

Why is the amount of cash offered much lower than that of the cost of a rental car I wonder... it doesn't make sense.
TS saigetsu
post Oct 1 2014, 03:18 PM

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QUOTE(Felice821 @ Oct 1 2014, 03:11 PM)
The workshop told me the claims might not much, and need to give it for lawyer fees. It's been 17 months, and I still yet to get the money.

Normally how long it takes?
*
how long it takes depnds on your luck..

your workshop con u. that is for sure. sound workshop tell them that insurance co will pay for the lawyer fees adjuster fees oso.. got breakdown one. jilaka penipu scammers.

ill open new thread on this tomorrow if rajin

u call your workshop, if he didnt give money, u will report to insurance co and bank negara (LINK) 17 months lambat gila.. please complain.

fark the workshop upside down.

This post has been edited by saigetsu: Oct 1 2014, 03:19 PM
red123
post Oct 1 2014, 03:19 PM

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saigetsu to be ELITE!!!!!!
TS saigetsu
post Oct 1 2014, 03:20 PM

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QUOTE(toenexx @ Oct 1 2014, 03:15 PM)
Instead of opting for public transport and you only get paid RM30/day isn't it better to just rent a car instead?

Why is the amount of cash offered much lower than that of the cost of a rental car I wonder... it doesn't make sense.
*
this one oso i wonder. bettter rent car or just tumpang friend.

the prob is the number of days u can claim is up to the adjuster.. adjuster oso can con u.
TS saigetsu
post Oct 1 2014, 03:22 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.
*
yo neo, how many days u can claim vs how many days u didnt get your car (your car stuck at workshop)
Felice821
post Oct 1 2014, 03:26 PM

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QUOTE(saigetsu @ Oct 1 2014, 03:18 PM)
how long it takes depnds on your luck..

your workshop con u. that is for sure. sound workshop tell them that insurance co will pay for the lawyer fees adjuster fees oso.. got breakdown one. jilaka penipu scammers.

ill open new thread on this tomorrow if rajin

u call your workshop, if he didnt give money, u will report to insurance co and bank negara (LINK) 17 months lambat gila.. please complain.

fark the workshop upside down.
*
Thanks. I called, the workshop said, yours only few hundred ... even the sot of repairing your car few thousands the insurance company yet to pay us. Please wait, we will update you once got the updates.

I told them I going to report it, and she said, please do so. Cilaka.
TS saigetsu
post Oct 1 2014, 03:29 PM

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QUOTE(Felice821 @ Oct 1 2014, 03:26 PM)
Thanks. I called, the workshop said, yours only few hundred ... even the sot of repairing your car few thousands the insurance company yet to pay us. Please wait, we will update you once got the updates.

I told them I going to report it, and she said, please do so. Cilaka.
*
which insurer? let see if i can help
Felice821
post Oct 1 2014, 03:31 PM

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Mine is Chartis. I'm not sure about the 3rd party insurer.
HeReLiSm
post Oct 1 2014, 03:32 PM

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QUOTE(saigetsu @ Oct 1 2014, 03:03 PM)
jangan lambat!, nnt insurance co persoal!
*
Just emailed the third-party insurer this morning, already got replied.

But they said, I have to go thru the workshop and my insurance for LOU claim, coz need to use the Merimen system with their claim dpmt. Issit true onnot? hmm.gif
TS saigetsu
post Oct 1 2014, 03:36 PM

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QUOTE(HeReLiSm @ Oct 1 2014, 03:32 PM)
Just emailed the third-party insurer this morning, already got replied.

But they said, I have to go thru the workshop and my insurance for LOU claim, coz need to use the Merimen system with their claim dpmt. Issit true onnot?  hmm.gif
*
merimen true. go thru workshop for what? maybe for adjuster report i guess. get a copy. your insurance for what?

make your LOU claim your self so that less people involve, less con


TS saigetsu
post Oct 1 2014, 03:37 PM

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QUOTE(Felice821 @ Oct 1 2014, 03:31 PM)
Mine is Chartis. I'm not sure about the 3rd party insurer.
*
no longer chartis.. now known as AIG. 3rd party insurer is the one that i want to know. huu sorry cant help then.
area61
post Oct 1 2014, 03:40 PM

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TQ TS, parking for future use
noien
post Oct 1 2014, 03:43 PM

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thanx for the info
for the compensation, it is so hard to claim until i give up.
leah235
post Oct 1 2014, 03:43 PM

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parking parking parking


TS saigetsu
post Oct 1 2014, 03:51 PM

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QUOTE(noien @ Oct 1 2014, 03:43 PM)
thanx for the info
for the compensation, it is so hard to claim until i give up.
*
on behalf of insurance industry, thank you for bringing down the loss ratio... lel
noien
post Oct 1 2014, 03:52 PM

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QUOTE(saigetsu @ Oct 1 2014, 03:51 PM)
on behalf of insurance industry, thank you for bringing down the loss ratio... lel
*
then i try to claim again
tongue.gif
zul_sur
post Oct 1 2014, 04:05 PM

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QUOTE(saigetsu @ Oct 1 2014, 02:13 PM)
heh. sapa salah first? case still on going? Bodily injury claim is it? u x patah tgn?

if lorry, lorry sure salah one.
*
Lori salah. lost control at third lane(rightmost) langgar my car at second lane(middle). later need to go to court for trial. me ok, just car damage. lorry driver claim body injury, but claim from my insurance. insurance agent that take my testimony also surprise why lorry driver lawyer want to pursue case. he said they are trying the possibility if i did not attend the court trial.
TS saigetsu
post Oct 1 2014, 04:26 PM

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QUOTE(zul_sur @ Oct 1 2014, 04:05 PM)
Lori salah. lost control at third lane(rightmost) langgar my car at second lane(middle). later need to go to court for trial. me ok, just car damage. lorry driver claim body injury, but claim from my insurance. insurance agent that take my testimony also surprise why lorry driver lawyer want to pursue case. he said they are trying the possibility if i did not attend the court trial.
*
oh in this case, maybe the lorry lawyer want to say u are liable 30% of this accident.

let me tell you what happen in court in malaysia lah

the hakim one ah, when see the victim, patah tgn, kerusi roda, regardless his fault or not, sure kasihan one... CONFIRM kasihan... and in the end will blame u say i.e. 40% is your fault coz not carefull of your surrounding. total claims quantum RM100k. u liable 40%. so insurance co will pay 40K to him. kalao die menang la. if your insurance co, die2 din want to pay, co will appeal in court many times, and u oso kene drag to court many times..

your loss is, your NCD will burnt
zul_sur
post Oct 1 2014, 04:35 PM

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QUOTE(saigetsu @ Oct 1 2014, 04:26 PM)
oh in this case, maybe the lorry lawyer want to say u are liable 30% of this accident.

let me tell you what happen in court in malaysia lah

the hakim one ah, when see the victim, patah tgn, kerusi roda, regardless his fault or not, sure kasihan one... CONFIRM kasihan... and in the end will blame u say i.e. 40% is your fault coz not carefull of your surrounding. total claims quantum RM100k. u liable 40%. so insurance co will pay 40K to him. kalao die menang la. if your insurance co, die2 din want to pay, co will appeal in court many times, and u oso kene drag to court many times..

your loss is, your NCD will burnt
*
like that also can. wow. my faith to humanity destroyed again.
lagenda
post Oct 1 2014, 05:45 PM

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bookmarked ts name for future reference


katsumoto2011
post Oct 1 2014, 06:36 PM

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QUOTE(saigetsu @ Oct 1 2014, 02:13 PM)
under od kfk u will not lose your ncd. BNM said so mah.
*
bro let me tell you , the reason why the NCD was TEMPORARY deducted
from you own vehicle is during the process of claim from insurance A to insurance B

is to let insurance company or any other third party to investigate the case
that also the reason why your lose of use will take up to 90days to process

during this 90days if any other log police report / submit complain to insurance company
then the case will be reinvestigate , and it take even longer time

so if during this 90days period if you renew your insurance for the car you still have to pay full premium
only after 90days where the case close, the insurance company will reimburse you your NCD & send you
a cheque for the premium that you over pay


so now you get to know what they say yoru NCD wont be deducted rolleyes.gif
TheAwesomeWizard
post Oct 1 2014, 06:47 PM

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saturday and sunday can claim or not ??.. if not then 1week only 5 days ???
katsumoto2011
post Oct 1 2014, 06:48 PM

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QUOTE(zul_sur @ Oct 1 2014, 04:05 PM)
Lori salah. lost control at third lane(rightmost) langgar my car at second lane(middle). later need to go to court for trial. me ok, just car damage. lorry driver claim body injury, but claim from my insurance. insurance agent that take my testimony also surprise why lorry driver lawyer want to pursue case. he said they are trying the possibility if i did not attend the court trial.
*
bro what you have there is a case that the lorry driver is blaming you causing the accident
that why he wanna bring the case to court , even the Sargent already make the keputusan that the lorry drive is at fault
for causing the accident, in malaysia law anyone that unsatisfied with the finding/keputusan of the Sargent can file a case
to ask it to bring to court.


if i were you , you need a lawyer & some solid prove that HE cause the accident
if not is just 2 person pointing finger at each other without prove
since he was injured during the accident , and you do not
he got a very nice card to play as a victim during court , so now you understand ?


QUOTE(saigetsu @ Oct 1 2014, 04:26 PM)
oh in this case, maybe the lorry lawyer want to say u are liable 30% of this accident.

let me tell you what happen in court in malaysia lah

the hakim one ah, when see the victim, patah tgn, kerusi roda, regardless his fault or not, sure kasihan one... CONFIRM kasihan... and in the end will blame u say i.e. 40% is your fault coz not carefull of your surrounding. total claims quantum RM100k. u liable 40%. so insurance co will pay 40K to him. kalao die menang la. if your insurance co, die2 din want to pay, co will appeal in court many times, and u oso kene drag to court many times..

your loss is, your NCD will burnt
*
aiyo dont gave people wrong info lah......
in court if you lose there not sharing on the cost

is winner take all , loser pay all and might even go for jail (reckless driving)
TS saigetsu
post Oct 2 2014, 08:23 AM

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QUOTE(katsumoto2011 @ Oct 1 2014, 06:36 PM)
bro let me tell you , the reason why the NCD was TEMPORARY deducted
from you own vehicle is during the process of claim from insurance A to insurance B

is to let insurance company or any other third party to investigate the case
that also the reason why your lose of use will take up to 90days to process

during this 90days if any other log police report / submit complain to insurance company
then the case will be reinvestigate , and it take even longer time

so if during this 90days period if you renew your insurance for the car you still have to pay full premium
only after 90days where the case close, the insurance company will reimburse you your NCD & send you
a cheque for the premium that you over pay
so now you get to know what they say yoru NCD wont be deducted  rolleyes.gif
*
i dunno la for your case. claims always report to underwriting which car still got ncd and info submitted to ISM.

based on what ure saying... if co always temporary deduct the NCD, there should not be a clawback cases isnt it? or clawback of NCD only happen for BI case?
TS saigetsu
post Oct 2 2014, 08:28 AM

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QUOTE(katsumoto2011 @ Oct 1 2014, 06:48 PM)
bro what you have there is a case that the lorry driver is blaming you causing the accident
that why he wanna bring the case to court , even the Sargent already make the keputusan that the lorry drive is at fault
for causing the accident, in malaysia law anyone that unsatisfied with the finding/keputusan of the Sargent can file a case
to ask it to bring to court.
if i were you , you need a lawyer & some solid prove that HE cause the accident
if not is just 2 person pointing finger at each other without prove
since he was injured during the accident , and you do not
he got a very nice card to play as a victim during court , so now you understand ?
aiyo dont gave people wrong info lah......
in court if you lose there not sharing on the cost

is winner take all , loser pay all and might even go for jail (reckless driving)
*
okay i worded it wrongly.

but winner in this case is pretty subjective. now the plaintiff is the lorry not actual victim (the private car). the court can fak upside down, u never know man. if court say liability of the driver is 40%... he still need to pay what...

summore if got precedent case, court can easily refer and award the lorry driver u know.


epsonstylux
post Oct 2 2014, 08:46 AM

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parking for future use
KahHoong
post Feb 25 2015, 01:18 PM

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i've recently being rear ended by a young girl, and i bang the one in front. total all claim the one at the back or how? and how can i make this loss of use claim? go let the adjuster check first or how?
TS saigetsu
post Feb 25 2015, 02:03 PM

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QUOTE(KahHoong @ Feb 25 2015, 01:18 PM)
i've recently being rear ended by a young girl, and i bang the one in front. total all claim the one at the back or how? and how can i make this loss of use claim? go let the adjuster check first or how?
*
chain collision. pipul at front always claim car behind.

its easier for you to claim third party claim rather than OD kfk. u ask the workshop to claim for u.
loui
post Feb 25 2015, 02:25 PM

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QUOTE(KahHoong @ Feb 25 2015, 01:18 PM)
i've recently being rear ended by a young girl, and i bang the one in front. total all claim the one at the back or how? and how can i make this loss of use claim? go let the adjuster check first or how?
*
you want the adjuster to check what?

who is at fault or what is the damage?

damage is determine by adjuster/workshop

fault is determine by the police officer
LingLingFat
post Feb 25 2015, 02:30 PM

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obligatory post

user posted image

user posted image
KahHoong
post Feb 25 2015, 06:04 PM

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QUOTE(saigetsu @ Feb 25 2015, 02:03 PM)
chain collision. pipul at front always claim car behind.

its easier for you to claim third party claim rather than OD kfk. u ask the workshop to claim for u.
*
QUOTE(loui @ Feb 25 2015, 02:25 PM)
you want the adjuster to check what?

who is at fault or what is the damage?

damage is determine by adjuster/workshop

fault is determine by the police officer
*
Hi, thanks for the reply, i was planning to send back proton to fix and claim the insurance from car behind, i wanted to know more about the procedure, only the normal police report and pictures will do when i send to proton? second question is, i wanted to claim loss of use for compensation when i dont have car to drive, and the proceduce to claim car rental fees. any idea? hmm.gif
bananajoe
post Feb 25 2015, 06:13 PM

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good info
debonairs91
post Feb 25 2015, 06:17 PM

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bookmark just in case
TS saigetsu
post Feb 25 2015, 06:19 PM

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QUOTE(KahHoong @ Feb 25 2015, 06:04 PM)
Hi, thanks for the reply, i was planning to send back proton to fix and claim the insurance from car behind, i wanted to know more about the procedure, only the normal police report and pictures will do when i send to proton? second question is, i wanted to claim loss of use for compensation when i dont have car to drive, and the proceduce to claim car rental fees. any idea?  hmm.gif
*
for the police report, based on my exp, get the phone number of the police inspector who incharge of your case to the workshop.. he kawtim sendiri. for loss of use oso can ask the workshop to do it for u. if not then ask the workshop to get to know the other party insurance. once u know, u go to third party insurance make a claim. u need police report, adjuster report, ic to name a few. thats y i said let the workshop do it for u.

workshop will find a lawyer to deal with insurance co. u dont need to pay a penny.
loui
post Feb 25 2015, 08:09 PM

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QUOTE(KahHoong @ Feb 25 2015, 06:04 PM)
Hi, thanks for the reply, i was planning to send back proton to fix and claim the insurance from car behind, i wanted to know more about the procedure, only the normal police report and pictures will do when i send to proton? second question is, i wanted to claim loss of use for compensation when i dont have car to drive, and the proceduce to claim car rental fees. any idea?  hmm.gif
*
TS did make a elaborate way of claims in his 1st post, so I won't be repeating again

basically there are 2 types of claims you can do which will not affect your NCD

mainly OD-KFK & TPPD

things you need to expedite the claim
1. police reports of all parties involve (compulsory)
2. police photos (optional)
3. police sketch (optional)
4. police investigation outcome (compulsory)

send it to workshop and hand him a copy of all the documents above and tell him you are going for OD-KFK or TPPD

if OD-KFK, the workshop and insurance company will kaotim for you

if TPPD, you need to personally negotiate with insurance company as the amount is depending on how the staff in insurance company assess the claim

as for loss of use, you can only claim it if you opt for TPPD

by default, you will get the amount base on the engine capacity of your car(see 1st post)

or alternatively, hire a car from a license car hiring company and ask them to issue you a legit receipt
Akmal47
post Feb 25 2015, 08:14 PM

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park
KahHoong
post Feb 26 2015, 04:03 AM

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QUOTE(loui @ Feb 25 2015, 08:09 PM)
TS did make a elaborate way of claims in his 1st post, so I won't be repeating again

basically there are 2 types of claims you can do which will not affect your NCD

mainly OD-KFK & TPPD

things you need to expedite the claim
1. police reports of all parties involve (compulsory)
2. police photos (optional)
3. police sketch (optional)
4. police investigation outcome (compulsory)

send it to workshop and hand him a copy of all the documents above and tell him you are going for OD-KFK or TPPD

if OD-KFK, the workshop and insurance company will kaotim for you

if TPPD, you need to personally negotiate with insurance company as the amount is depending on how the staff in insurance company assess the claim

as for loss of use, you can only claim it if you opt for TPPD

by default, you will get the amount base on the engine capacity of your car(see 1st post)

or alternatively, hire a car from a license car hiring company and ask them to issue you a legit receipt
*
Ok, make it simple, I doesn't like workshop fella to handle, they mostly fix exterior cosmetic and claim a huge amount saying all new but it's not, I'm going back proton to fix it. My main question I think is, how is the process to claim if I rent a car, mine is a 2.0 inspira, means rm40 per day claim only? Rental per day is more than rm120.
TS saigetsu
post Feb 26 2015, 08:32 AM

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QUOTE(KahHoong @ Feb 26 2015, 04:03 AM)
Ok, make it simple, I doesn't like workshop fella to handle, they mostly fix exterior cosmetic and claim a huge amount saying all new but it's not, I'm going back proton to fix it. My main question I think is, how is the process to claim if I rent a car, mine is a 2.0 inspira, means rm40 per day claim only? Rental per day is more than rm120.
*
Industr prob bro. Bank negara is currently in the process of adrres this issue. if the car repair time takes 4 weeks u think ure going to get 4 weeks worth of loss of use.. Keep dreaming. insurance will only refer to adj rrport which may only indicate repair timr required 2 weeks.

proton mayb can handle loss of use aswell. I only know honda glenmarie lazy ass dun want to do that. Based on my fren exp.
Memories_Fallen
post Feb 26 2015, 08:56 AM

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loui
post Feb 26 2015, 09:03 AM

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QUOTE(KahHoong @ Feb 26 2015, 04:03 AM)
Ok, make it simple, I doesn't like workshop fella to handle, they mostly fix exterior cosmetic and claim a huge amount saying all new but it's not, I'm going back proton to fix it. My main question I think is, how is the process to claim if I rent a car, mine is a 2.0 inspira, means rm40 per day claim only? Rental per day is more than rm120.
*
bare in mind, insurance company pay according to the age of your car

let's say your car is 5 years old

insurance company will only pay a 2nd hand 5 years old spare part, not a new one

you can by all mean send it back to proton to fix it but you need to top up the different

as for loss of use, RM40 is the practice unless you can show proof of a rental receipt from a registered rental company
acbc
post Feb 26 2015, 09:08 AM

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My car stuck at the workshop for 2 months but the third party insurer only willing to pay CART for 2 weeks. Reason because his coverage not enough to pay for my damages and compensation.
loui
post Feb 26 2015, 09:20 AM

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QUOTE(acbc @ Feb 26 2015, 09:08 AM)
My car stuck at the workshop for 2 months but the third party insurer only willing to pay CART for 2 weeks. Reason because his coverage not enough to pay for my damages and compensation.
*
there are no limit as to claiming insurance (for TPPD & TPBI)

so far the highest amount I paid off (involve injury) is RM 2 millions

it is just a norm/practice for insurance company to pay only for 2 weeks

it all goes down to your/your lawyer negotiation skill
iOnine
post Feb 26 2015, 09:21 AM

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saigetsu insurance tailo.
just wana check on few things..

my car is in the workshop.
upon completion repair (the SC says by 25th March kautim).
it'll be like 2 months 1-2weeks.

firstly, the sohai jalan when its red light.
then wifey cant break on time, bang kau her (our lane is still green light oh).
case is still under progress by the traffic police
(so selow weh, its like 1 month already still havent close case for result)

so i send in to the official SC.
request for OD-KFK claim first, approved early this month.
repair in progress..
once i get the result, i will submit to JPJ and then pass to SC to update status on my claims (to claim on the sohai insurance).

my question is:
1. what if the police suddenly say im at fault?. means bubye NCD ah?
2. can appeal on the case to be re-study or re-check or whatever ah?
3. estimate how many days can i claim CART from the sohai's insurance?

btw, sohai driving naza ria oh -.-' old car.
and i have requested the SC for my service repair timeline.
so easy track and make proof to claim full CART?

This post has been edited by iOnine: Feb 26 2015, 09:30 AM
TS saigetsu
post Feb 26 2015, 09:30 AM

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QUOTE(iOnine @ Feb 26 2015, 09:21 AM)
saigetsu insurance tailo.
just wana check on few things..

my car is in the workshop.
upon completion repair (the SC says by 25th March kautim).
it'll be like 2 months 1-2weeks.

firstly, the sohai jalan when its red light.
then wifey cant break on time, bang kau her (our lane is still green light oh).
case is still under progress by the traffic police
(so selow weh, its like 1 month already still havent close case for result)

so i send in to the official SC.
request for OD-KFK claim first, approved early this month.
repair in progress..
once i get the result, i will submit to JPJ and then pass to SC to update status on my claims (to claim on the sohai insurance). u get result of what?

my question is:
1. what if the police suddenly say im at fault?. means bubye NCD ah? bye bye.
2. can appeal on the case to be re-study or re-check or whatever ah? im not sure. must ask loui. he is more experience than me. can ask sc or insurance co
3. estimate how many days can i claim CART from the sohai's insurance? - depends on ur adjuster report. most likely 2 weeks coz tp insurance sure kaw2 dun want to incur much exp. summore third party u know la.

btw, sohai driving naza ria oh -.-' old car. old car? but since od kfk is approved, i belip he got comprehensive cover. anyway doesnt matter.
*
NicJolin
post Feb 26 2015, 09:31 AM

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parking in good thread
TS saigetsu
post Feb 26 2015, 09:33 AM

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QUOTE(loui @ Feb 26 2015, 09:20 AM)
there are no limit as to claiming insurance (for TPPD & TPBI)

so far the highest amount I paid off (involve injury) is RM 2 millions

it is just a norm/practice for insurance company to pay only for 2 weeks

it all goes down to your/your lawyer negotiation skill
*
taiko. u handle BI claims too.. salute
iOnine
post Feb 26 2015, 09:34 AM

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saigetsu even if i ask for the repair timeline.
also cant help to get full CART?
the SC says some part still need to wait to arrive.
hence the long duration of service.

result of the case lor.


loui bos, can appeal on the case to be re-study or re-check or whatever ah? (if found im at fault but i have solid evidence that the sohai is at fault)

This post has been edited by iOnine: Feb 26 2015, 09:35 AM
loui
post Feb 26 2015, 09:57 AM

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QUOTE(iOnine @ Feb 26 2015, 09:34 AM)
loui bos, can appeal on the case to be re-study or re-check or whatever ah? (if found im at fault but i have solid evidence that the sohai is at fault)
*
who is at fault is a very subjective question

it is a norm that you will blame other party and other party will blame you back and both of you end up having different version in the police report

unless you have rock solid evidence like dash camera recording or police photos of scene of accident which clearly shows the other party version is improbable, insurance claim personnel won't reconsider the compensation

without those, your only way to win the case is to get a lawyer to fight it for you in court

but it will take some times with no guarantee success + you need to attend the court on every hearing date + lawyer will take 20%~30% cut for what you won
loui
post Feb 26 2015, 09:58 AM

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QUOTE(saigetsu @ Feb 26 2015, 09:33 AM)
taiko. u handle BI claims too..  salute
*
8 years liao, felt so tired doing repetition work

you?
c4non
post Feb 26 2015, 10:07 AM

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good info
iOnine
post Feb 26 2015, 10:38 AM

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QUOTE(loui @ Feb 26 2015, 09:57 AM)
who is at fault is a very subjective question

it is a norm that you will blame other party and other party will blame you back and both of you end up having different version in the police report

unless you have rock solid evidence like dash camera recording or police photos of scene of accident which clearly shows the other party version is improbable, insurance claim personnel won't reconsider the compensation

without those, your only way to win the case is to get a lawyer to fight it for you in court

but it will take some times with no guarantee success + you need to attend the court on every hearing date + lawyer will take 20%~30% cut for what you won
*
solid evidence i got is the Pedestrian CCTV.
it shows the flow of the traffic and the accident.

bad news is, the cctv is time lapse of 2-3 sec. (so the part where the accident occurs is after the banging)
but it shows that it was our lane is on green light and moving.

loui
post Feb 26 2015, 10:47 AM

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QUOTE(iOnine @ Feb 26 2015, 10:38 AM)
solid evidence i got is the Pedestrian CCTV.
it shows the flow of the traffic and the accident.

bad news is, the cctv is time lapse of 2-3 sec. (so the part where the accident occurs is after the banging)
but it shows that it was our lane is on green light and moving.
*
that one is good enough

did you manage to get a soft copy?

show it to the police in charge and the claim executive

it is best you pressure the police to issue compound to the other fella

base on that, easier for you to claim

anyhow, you know i know how police work, so good luck to you
TS saigetsu
post Feb 26 2015, 10:48 AM

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QUOTE(loui @ Feb 26 2015, 09:58 AM)
8 years liao, felt so tired doing repetition work

you?
*
yea. understand... same shit diff day

auditor... so just rview ony. know a lil bit through review. only get excited when there is a dispute.
review claims file is just tiring, what more u do the stuff for 8 years. u must be managerial position d. jump la.
try some takaful company maybe.
TS saigetsu
post Feb 26 2015, 10:53 AM

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QUOTE(iOnine @ Feb 26 2015, 09:34 AM)
saigetsu even if i ask for the repair timeline.
also cant help to get full CART?
the SC says some part still need to wait to arrive.
hence the long duration of service.

result of the case lor.
loui bos, can appeal on the case to be re-study or re-check or whatever ah? (if found im at fault but i have solid evidence that the sohai is at fault)
*
nope. if u keep arguing, u just wste of time. ive been reviewing msig, kurnia, amgeneral, poic.. they dun give a damn one. because its not their insured. adjuster say 2 weeks. then 2 weeks it is.

best is if you can get replacement car from potong. but my fren prevek accident, he din get the rpelacemnet car

result of the case - the police must songlap your money by asking rmxx for postage. unless u get the report your self. or u ask the workshop to get the doc from the police. last year, taiping police ask me rm60 for postage. wtf.
iOnine
post Feb 26 2015, 11:08 AM

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QUOTE(loui @ Feb 26 2015, 10:47 AM)
that one is good enough

did you manage to get a soft copy?

show it to the police in charge and the claim executive

it is best you pressure the police to issue compound to the other fella

base on that, easier for you to claim

anyhow, you know i know how police work, so good luck to you
*
nop didnt get softcopy.
coz im citizen. my dad personally go and see the video inside the security.
then i told the sarjan, sarjan go and grab hold of the copy.
til now, no result yet ;(

another thing, if the sohai make a false report on the case.
can i make another report on the sohai for making false report?
so she kena double whammy some sort? smile.gif


QUOTE(saigetsu @ Feb 26 2015, 10:53 AM)
nope. if u keep arguing, u just wste of time. ive been reviewing msig, kurnia, amgeneral, poic.. they dun give a damn one. because its not their insured. adjuster say 2 weeks. then 2 weeks it is.

best is if you can get replacement car from potong. but my fren prevek accident, he din get the rpelacemnet car

result of the case - the police must songlap your money by asking rmxx for postage. unless u get the report your self. or u ask the workshop to get the doc from the police. last year, taiping police ask me rm60 for postage. wtf.
*
oh ok. my insurance is AIG.
the sohai, i dunno what insurance.
no replacement car.
i can go n collect the report personally,
nearby my house. plus if banyak songeh, i go make complaint to my uncle ony lor.

This post has been edited by iOnine: Feb 26 2015, 11:10 AM
loui
post Feb 26 2015, 11:19 AM

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QUOTE(iOnine @ Feb 26 2015, 11:08 AM)
nop didnt get softcopy.
coz im citizen. my dad personally go and see the video inside the security.
then i told the sarjan, sarjan go and grab hold of the copy.
til now, no result yet ;(

*
try send a formal letter (in AR registered), attached together with you police report to whoever incharge of the CCTV and ask for a copy

don't rely on the sarjan, you know how police in malaysia works

without any duit kopi, then don't bother to do anything

do it fast as CCTV record usually get erase within short time of period
iOnine
post Feb 26 2015, 11:32 AM

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QUOTE(loui @ Feb 26 2015, 11:19 AM)
try send a formal letter (in AR registered), attached together with you police report to whoever incharge of the CCTV and ask for a copy

don't rely on the sarjan, you know how police in malaysia works

without any duit kopi, then don't bother to do anything

do it fast as CCTV record usually get erase within short time of period
*
noted.
but the sarjan pickup a copy already.

now gota be more cautious.
getting front and back dashboard camera
for safety wink.gif
Chisinlouz
post Apr 12 2015, 12:41 AM

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Hi TS. Yep i was bang at last and im doing process myself.

Did report, pic taken, car in workshop. But here is 2 scenario.

1) I haven call up sarjan/banger to check on their report. Afraid first want incentive and latter simply dont want report cos claim is high about 2k. Pls advise shall i just wait 14 days instead? Unlikely i will kena since i was victim.

2) Car is in workshop that i knew. Skip on workmanship, but tauke did not answer me when i ask if he is panel for insurance; he confirm he cam settle it (3rd party claim) provided i can give all mandatory docs to him (only if banger do the report). Shall i continue put my car there? He is ok to repair it first cos i knew him..but i scare he later cant collect money and i need pay..
manypplwan
post Apr 12 2015, 12:49 AM

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This tered should be pinned in F&F
TS saigetsu
post Apr 12 2015, 12:30 PM

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QUOTE(Chisinlouz @ Apr 12 2015, 12:41 AM)
Hi TS. Yep i was bang at last and im doing process myself.

Did report, pic taken, car in workshop. But here is 2 scenario.

1) I haven call up sarjan/banger to check on their report. Afraid first want incentive and latter simply dont want report cos claim is high about 2k. Pls advise shall i just wait 14 days instead? Unlikely i will kena since i was victim.

2) Car is in workshop that i knew. Skip on workmanship, but tauke did not answer me when i ask if he is panel for insurance; he confirm he cam settle it (3rd party claim) provided i can give all mandatory docs to him (only if banger do the report). Shall i continue put my car there? He is ok to repair it first cos i knew him..but i scare he later cant collect money and i need pay..
*
if u want less hassle can proceed with third party claim. But unlikely u can claim loss of use coz third party workshop ussually sapu the claim. X byk maybe 100++ depending on ur car cc and actual days taken to repair.

U can ask tge workshop to claim for u, see how he can do it or not.

This post has been edited by saigetsu: Apr 12 2015, 12:31 PM
ohman
post Apr 12 2015, 12:33 PM

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good info, thanks
Chisinlouz
post Apr 12 2015, 04:28 PM

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QUOTE(saigetsu @ Apr 12 2015, 12:30 PM)
if u want less hassle can proceed with third party claim. But unlikely u can claim loss of use coz third party workshop ussually sapu the claim. X byk maybe 100++ depending on ur car cc and actual days taken to repair.

U can ask tge workshop to claim for u, see how he can do it or not.
*
Hi thanks for reply. i am taking 3rd party claim. I dont mind all $ he sapu cos i just want my car repaired and no issue to follow up after that. So i guess i just wait 14 days rather than kopi money to hurry up the process?

From previous replies, my NCD wont affected other than hold up until investigation complete, correct me if there are new updates. smile.gif
TS saigetsu
post Apr 12 2015, 06:45 PM

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QUOTE(Chisinlouz @ Apr 12 2015, 04:28 PM)
Hi thanks for reply. i am taking 3rd party claim. I dont mind all $ he sapu cos i just want my car repaired and no issue to follow up after that. So i guess i just wait 14 days rather than kopi money to hurry up the process?

From previous replies, my NCD wont affected other than hold up until investigation complete, correct me if there are new updates. smile.gif
*
U know the sop these organisation make. It just make u wanna feel good ony. Please expect delay. And please claim loss of use coz its urs. or else these workshops will continue the songlap practice...

Yup ncd wont be affected
Chisinlouz
post Apr 12 2015, 08:03 PM

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QUOTE(saigetsu @ Apr 12 2015, 06:45 PM)
U know the sop these organisation make. It just make u wanna feel good ony. Please expect delay. And please claim loss of use coz its urs. or else these workshops will continue the songlap practice...

Yup ncd wont be affected
*
Alright no prob. Thanks alot.
smon80
post Sep 22 2015, 11:04 AM

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I met accident last Oct, car hit me from behind. Both report police. Car under father name.
Send to workshop, the guy told me settle everything and claim 3rd party and request for sarjan kopi.
Car fixed, no saman from police either.

Now renew issurance but cannot get NCB, said last accident was claim by own. Check workshop, they said not responsible for the keputusan and 3rd party cover note. Unless full doc submitted, they will help to claim 3rd party. Check for the runnter, already no work.
Now need to get the reports. But working how to go and take. Any once got runner help to collect the documents. 3rd party accident report, keputusan and 3rd party insurance cover note.
Is there any way i can claim w/o impact on my NCB? Because getting those doc is very hassle.


TS saigetsu
post Sep 22 2015, 08:00 PM

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QUOTE(smon80 @ Sep 22 2015, 11:04 AM)
I met accident last Oct, car hit me from behind. Both report police. Car under father name.
Send to workshop, the guy told me settle everything and claim 3rd party and request for sarjan kopi.
Car fixed, no saman from police either.

Now renew issurance but cannot get NCB, said last accident was claim by own. Check workshop, they said not responsible for the keputusan and 3rd party cover note. Unless full doc submitted, they will help to claim 3rd party. Check for the runnter, already no work.
Now need to get the reports. But working how to go and take. Any once got runner help to collect the documents. 3rd party accident report, keputusan and 3rd party insurance cover note.
Is there any way i can claim w/o impact on my NCB? Because getting those doc is very hassle.
*
Which company?let see if i can help. U need to get police report to see the result. Once get result, u call insurnace say u want to claim own damage kfk. U search this post i got explained the thing. They need the police report to claim od kfk so that ncb will not affected.

But i think its too late d coz u need to renew ur insurance urgently for roadtax.
mycolumn
post Sep 22 2015, 08:03 PM

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reading this thread for more info
red streak
post Sep 22 2015, 08:03 PM

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Good to know
smon80
post Sep 23 2015, 12:55 PM

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QUOTE(saigetsu @ Sep 22 2015, 08:00 PM)
Which company?let see if i can help. U need to get police report to see the result. Once get result, u call insurnace say u want to claim own damage kfk. U search this post i got explained the thing. They need the police report to claim od kfk so that ncb will not affected.

But i think its too late d coz u need to renew ur insurance urgently for roadtax.
*
Mine is Kurnia, but they said can rebate back if can prove the keputusan is 3rd part problem.
Now my issue is to get the these documents. I called the workshop they said got runner cost about rm200.
If go sendiri not sure how many times will take.
The reports was done at Shah alam police station,
TS saigetsu
post Sep 23 2015, 01:59 PM

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QUOTE(smon80 @ Sep 23 2015, 12:55 PM)
Mine is Kurnia, but they said can rebate back if can prove the keputusan is 3rd part problem.
Now my issue is to get the these documents. I called the workshop they said got runner cost about rm200.
If go sendiri not sure how many times will take.
The reports was done at Shah alam police station,
*
I can help if u got problem with kurnia. But yeah u have to get the keputusan first. Got get it ur self. Not worth to spend rm200 for this. How much is your ncd in rm?
oro89
post Sep 23 2015, 02:02 PM

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my past experience of claiming my loss of use, got banged by a lorry and got my car into workshop around 1 month and i got to claim for loss of use for only 5 days >.>, minus the lawyer stamp which cost me rm50 so i got lesser for my loss of use....bugger....

how about if my car got bang by other cars and it is declared as total loss, am i still eligible to claim my loss of use until i got my claim for total lost?

This post has been edited by oro89: Sep 23 2015, 02:05 PM
TS saigetsu
post Sep 23 2015, 02:03 PM

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QUOTE(oro89 @ Sep 23 2015, 02:02 PM)
how about if my car got bang by other cars and it is declared as total loss, am i still eligible to claim my loss of use until i got my claim for total lost?
*
Cannot. Coz loss of use only for car under repair period.
smon80
post Sep 23 2015, 03:44 PM

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QUOTE(saigetsu @ Sep 23 2015, 01:59 PM)
I can help if u got problem with kurnia. But yeah u have to get the keputusan first. Got get it ur self. Not worth to spend rm200 for this. How much is your ncd in rm?
*
NCB about 300 plus. my car is old car and minimum insured is 10k.
Any tips to get keputusan and 3rd part claim report?

Tq
TS saigetsu
post Sep 23 2015, 05:05 PM

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QUOTE(smon80 @ Sep 23 2015, 03:44 PM)
NCB about 300 plus. my car is old car and minimum insured is 10k.
Any tips to get keputusan and 3rd part claim report?

Tq
*
Well i suppose u have 55% ncd already. Better u get the keputusan.. Atleast u wanna buy new car can transfer ncd. No tips. I dunno if theres any. I wasted my leave oso to go balai and ask the keputusan and 3rd party police report
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post Sep 23 2015, 05:06 PM

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one of those rare exception where there's an actually useful thread in /k/
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post Dec 29 2015, 12:16 PM

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saigetsu TS, glad to see that there is a thread on this topic! Recently got into an accident hope u can give some advise.

Case:
- Car got hit at the back on 21/12/15
- Towed into Etiqa panel workshop that day and submitted docs to workshop 22/12/15
- Called workshop and told that adjuster going on the 30/12/15
- Called own insurance (before i see this thread sweat.gif) to check on LOU claim and got following explanation:
i) Get police report + collect investigation report from police (2 wks after accident) and send a letter to file claim with 3rd party (person who hit me) insurance
ii) Send a copy to my own Etiqa insurance
iii) Days claimable is when the workshop start to repair until complete repair only, not including waiting time before can start repair

Question:
- Do I do this myself or can ask the workshop to help claim the LOU together?
- Wat documentation i need to provide? Taxi receipts?
- When to submit these documentation (police report + investigation report + receipts (if needed))?
- How much can we claim (follow post #1)?

Still quite blur after calling the Customer Service especially on the procedure sequence and timeline. Thanks in advance for your help.

loui
post Dec 29 2015, 12:24 PM

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QUOTE(wca @ Dec 29 2015, 12:16 PM)

Question:
- Do I do this myself or can ask the workshop to help claim the LOU together?
- Wat documentation i need to provide? Taxi receipts?
- When to submit these documentation (police report + investigation report + receipts (if needed))?
- How much can we claim (follow post #1)?

Still quite blur after calling the Customer Service especially on the procedure sequence and timeline. Thanks in advance for your help.
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1. usually workshop will do

2. if you did not submit receipts, they will compensate base on the type of your car. With receipts, you can claim more

3. police report + investigation report + photos + adjuster evaluation + police sketch. Usually workshop people will do it for you. Try ask them 1st, cause recent years, police station no longer entertain workshop runner

4. check my thread, I have stated the standard LOU rate without the receipts.
TS saigetsu
post Dec 29 2015, 02:36 PM

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QUOTE(loui @ Dec 29 2015, 12:24 PM)
1. usually workshop will do

2. if you did not submit receipts, they will compensate base on the type of your car. With receipts, you can claim more

3. police report + investigation report + photos + adjuster evaluation + police sketch. Usually workshop people will do it for you. Try ask them 1st, cause recent years, police station no longer entertain workshop runner

4. check my thread, I have stated the standard LOU rate without the receipts.
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Hi Lou. Working hard notworthy.gif i heard next year a lot of retrenchment. big motor players. sad. hard time
loui
post Dec 29 2015, 02:39 PM

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QUOTE(saigetsu @ Dec 29 2015, 02:36 PM)
Hi Lou. Working hard notworthy.gif  i heard next year a lot of retrenchment. big motor players. sad. hard time
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marketing/admin sides maybe

underwriting/claim/actuarial/account sides still quite save

hopefully la

i also scare
TS saigetsu
post Dec 29 2015, 02:43 PM

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QUOTE(wca @ Dec 29 2015, 12:16 PM)
saigetsu TS, glad to see that there is a thread on this topic! Recently got into an accident hope u can give some advise.

Case:
- Car got hit at the back on 21/12/15
- Towed into Etiqa panel workshop that day and submitted docs to workshop 22/12/15
- Called workshop and told that adjuster going on the 30/12/15
- Called own insurance (before i see this thread sweat.gif) to check on LOU claim and got following explanation:
  i) Get police report + collect investigation report from police (2 wks after accident) and send a letter to file claim with 3rd party (person who hit me) insurance
  ii) Send a copy to my own Etiqa insurance
  iii) Days claimable is when the workshop start to repair until complete repair only, not including waiting time before can start repair

Question:
- Do I do this myself or can ask the workshop to help claim the LOU together?
- Wat documentation i need to provide? Taxi receipts?
- When to submit these documentation (police report + investigation report + receipts (if needed))?
- How much can we claim (follow post #1)?

Still quite blur after calling the Customer Service especially on the procedure sequence and timeline. Thanks in advance for your help.
*
for your last question, i already put the rate in my first post. u can refer to that lor. the rest master loui has spoken.
wca
post Dec 29 2015, 05:53 PM

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thanks both masters loui saigetsu, will check with the workshop, if they agree i can go and rent a car i hope.

so it seems when the car fully repaired only i can claim back right? how long is the claim back process? Do i receive a cheque by the 3rd party insurance down the road?

thanks notworthy.gif
imin
post Dec 29 2015, 06:06 PM

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QUOTE(Balaclava @ Sep 23 2015, 05:06 PM)
one of those rare exception where there's an actually useful thread in /k/
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TS saigetsu
post Dec 29 2015, 08:36 PM

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QUOTE(wca @ Dec 29 2015, 05:53 PM)
thanks both masters loui saigetsu, will check with the workshop, if they agree i can go and rent a car i hope.

so it seems when the car fully repaired only i can claim back right? how long is the claim back process? Do i receive a cheque by the 3rd party insurance down the road?

thanks  notworthy.gif
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Bro jangan put high hope to get high claim sangat. Because, your car repair process might took 2 days only. Therefore can only claim for 2 days. The rest of the days tersadai at parking waiting to be repaired not counted one.
wca
post Dec 29 2015, 09:03 PM

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QUOTE(saigetsu @ Dec 29 2015, 08:36 PM)
Bro jangan put high hope to get high claim sangat. Because, your car repair process might took 2 days only. Therefore can only claim for 2 days. The rest of the days tersadai at parking waiting to be repaired not counted one.
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blink.gif ok noted with thanks.
kukakoko
post Dec 29 2015, 09:05 PM

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Parking
Boy96
post Dec 29 2015, 09:06 PM

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For the claims cost usually set by the workshop. VW claim 20k just to replace the smashed bumper

Now still waiting for LOU claims

This post has been edited by Boy96: Dec 29 2015, 09:07 PM
one punch man
post Jan 27 2016, 01:28 PM

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my 3 yo car got hit from behind.

i want to claim the other party insurance, is't a must to send to panel workshop?
my ins co is etiqa takaful
i already change my rear bumper, dont want they will replace with original bumper

This post has been edited by one punch man: Jan 27 2016, 01:28 PM
TS saigetsu
post Jan 27 2016, 01:54 PM

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QUOTE(one punch man @ Jan 27 2016, 01:28 PM)
my 3 yo car got hit from behind.

i want to claim the other party insurance, is't a must to send to panel workshop?
my ins co is etiqa takaful
i already change my rear bumper, dont want they will replace with original bumper
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3 years old car. call etiqa panel workshop ask they do third party insurance or not. or call your service centre pun bole.
kurtkob78
post Jan 27 2016, 02:05 PM

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for first party, u can buy the loss time / cart conpensation coverage ... for etiqa only maximum 20 days if not mistaken
arturo_bandini
post Jan 27 2016, 02:20 PM

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insurance people are really the scum of the earth. personally experienced many cases involving them cheating. concerning LOU, the story was simple:

1. i claimed LOU
2. received letter saying claim received
3. waited many weeks, no reply
4. called person in charge

5. idiot said he already sent a letter saying claim approved,
this letter wanted me to confirm final amount (less than claimed),
re-checked with him - wrong address! how did he get wrong address when 1st letter was sent correctly?
won't send new letter, asked me to find letter myself

that's why i avoid dealing with insurance as much as possible

alen_wong38
post May 17 2016, 12:57 AM

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Hi saigetsu & loui,

My 5 year old + car got hit from behind.

Is it possible if I send my car back to proton SC for OD-KFK and pay for the betterment (15%) or I have to send my car to panel workshops which I do not have any confidence to leave my car there?

Also, do i have to wait for police keputusan before send my car to SC? By the way, I am using Etiqa Takaful.

Many thanks.

TS saigetsu
post May 17 2016, 01:59 AM

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QUOTE(alen_wong38 @ May 17 2016, 12:57 AM)
Hi saigetsu & loui,

My 5 year old + car got hit from behind.

Is it possible if I send my car back to proton SC for OD-KFK and pay for the betterment (15%) or I have to send my car to panel workshops which I do not have any confidence to leave my car there?

Also, do i have to wait for police keputusan before send my car to SC? By the way, I am using Etiqa Takaful.

Many thanks.
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As long as that proton sc is panel insurance lor. Or else cannot. Recently umw punya workshop not listed under authorised PIAM workshop. PIAM is a body who regulate insurance industry apart from bnm. So customer complaint but rule is rule. Send to panel wprkshop, if not aatisfy ccan complaint.
digituf
post Jun 15 2016, 10:49 AM

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Hi All, the adjuster who analyzed the Loss of Use amount, is it from the third party (the insurance company we raised the claim) or from our own insured company?
TS saigetsu
post Jun 15 2016, 11:03 AM

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QUOTE(digituf @ Jun 15 2016, 10:49 AM)
Hi All, the adjuster who analyzed the Loss of Use amount, is it from the third party (the insurance company we raised the claim) or from our own insured company?
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third party.
owenwong84
post Jun 15 2016, 11:24 AM

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Good infooo parking here.
zmt
post Jun 15 2016, 01:27 PM

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Can i claim CART? insurance my car using etika takful, car was in work shop for about 50 calender days.

Picking my car this afternoon...
TS saigetsu
post Jun 15 2016, 01:34 PM

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QUOTE(zmt @ Jun 15 2016, 01:27 PM)
Can i claim CART? insurance my car using etika takful, car was in work shop for about 50 calender days.

Picking my car this afternoon...
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can
abcde90
post Jun 15 2016, 01:47 PM

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in case of accident who we need to contact bout all these ?
insurer's hotline?
zmt
post Jun 15 2016, 02:46 PM

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QUOTE(saigetsu @ Jun 15 2016, 01:34 PM)
can
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crap just checked their website, damm need to change to another insurance company, any suggestion.

What are not covered under the section "Loss or Damage to own vehicle"?
• Consequential Losses e.g. loss of earnings
• Loss Of Use Of Car
• Depreciation, Wear & Tear
• Damage To Your Car Tyres unless your car is damaged at the same time
• The amount of the excess shown on your policy schedule
-oc-gassa
post Jun 15 2016, 02:56 PM

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what insurance company ?... tell tell
TS saigetsu
post Jun 15 2016, 03:27 PM

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QUOTE(zmt @ Jun 15 2016, 02:46 PM)
crap just checked their website, damm need to change to another insurance company, any suggestion.

What are not covered under the section "Loss or Damage to own vehicle"?
• Consequential Losses e.g. loss of earnings
• Loss Of Use Of Car
• Depreciation, Wear & Tear
• Damage To Your Car Tyres unless your car is damaged at the same time
• The amount of the excess shown on your policy schedule
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oh yes. u can claim if third party hit u ony. so u claimed agaisnt tp insurer.

if own damage, u must buy extension product CART in addition to your car insurance.
nxtpg
post Jun 15 2016, 04:00 PM

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QUOTE(saigetsu @ Jun 15 2016, 03:27 PM)
oh yes. u can claim if third party hit u ony. so u claimed agaisnt tp insurer.

if own damage, u must buy extension product CART in addition to your car insurance.
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hi there

one of my cars was hit at the back too recently. The other party was at fault. Workshop did a OD KFK claim. Everything is settled now. Workshop said will claim the loss of use for me.

1. Will the payment be made directly to me for LOU?
2. i checked my insurance ncd online but surprised it dropped to 0 . Why is this? in Od-kfk claim, ncd is not affected rite?
TS saigetsu
post Jun 15 2016, 04:13 PM

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QUOTE(nxtpg @ Jun 15 2016, 04:00 PM)
hi there

one of my cars was hit at the back too recently. The other party was at fault. Workshop did a OD KFK claim. Everything is settled now. Workshop said will claim the loss of use for me.

1. Will the payment be made directly to me for LOU?
2. i checked my insurance ncd online but surprised it dropped to 0 . Why is this? in Od-kfk claim, ncd is not affected rite?
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1. u kena ask workshop gip money to u lor. payment nowdays bank negara requires straight to bank account. ask workshop.
2. 0 first. after police conlanfirm u r not at fault, police investoigation passed to insurance, the they will update your ncd accordingly. kalau masih belum update after long time, just call insurance, they no prob update. happened to me before.
nxtpg
post Jun 15 2016, 04:18 PM

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QUOTE(saigetsu @ Jun 15 2016, 04:13 PM)
1. u kena ask workshop gip money to u lor. payment nowdays bank negara requires straight to bank account. ask workshop.
2. 0 first. after police conlanfirm u r not at fault, police investoigation passed to insurance, the they will update your ncd accordingly. kalau masih belum update after long time, just call insurance, they no prob update. happened to me before.
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the investigation report was out the same day itself. other party was at fault. he also got summon. maybe they will update soon.
toplessbear
post Jun 15 2016, 04:22 PM

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thanks!!!
danshi
post Jun 15 2016, 04:24 PM

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Bro,

I need your advice. My car has been hit by a motorbike and damaged my car bumper, rear light and etc. I have lodged a police report against the motor. I took all the photos including of the the rider, his IC and road tax with his bike as well. My friend told me that car cannot claim insurance if hit by motorbike. Is it true? If yes then I feel the system is not protecting me. Please advice.
TS saigetsu
post Jun 15 2016, 04:24 PM

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QUOTE(nxtpg @ Jun 15 2016, 04:18 PM)
the investigation report was out the same day itself. other party was at  fault. he also got summon. maybe they will update soon.
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when u want to renew insurance next time, check ncd first. kalo zero call balik your insured. good luck
TS saigetsu
post Jun 15 2016, 04:25 PM

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QUOTE(danshi @ Jun 15 2016, 04:24 PM)
Bro,

I need your advice. My car has been hit by a motorbike and damaged my car bumper, rear light and etc. I have lodged a police report against the motor. I took all the photos including of the the rider, his IC and road tax with his bike as well. My friend told me that car cannot claim insurance if hit by motorbike. Is it true? If yes then I feel the system is not protecting me. Please advice.
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can la. your friend tokok sing song
danshi
post Jun 15 2016, 04:27 PM

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QUOTE(saigetsu @ Jun 15 2016, 04:25 PM)
can la. your friend tokok sing song
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Thanks bro. I shall update back after 14 days since Police said need 14 days for the final decision to be made.
pikacu
post Jun 15 2016, 04:32 PM

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QUOTE(minionbanana @ Oct 1 2014, 10:27 AM)
i parking my car liao kena hit n run.dunno who dunno when..zz
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wanna know about this too

recently parked my car, ten come back to car got banged already