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Accident 101: i teach u claim loss of use
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Fighteden
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 Mar 17 2017, 03:20 AM
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Need some advise if i can claim LOU on my recent accident
Facts:
- Motorcycle bang into my car, his fault for ramming into me at the traffic light.
- Police report made.
- Claimed my own insurance for the repair since i can't claim motorcycle's insurance.
- Took almost a month to complete the repair.
- Kurnia is my current vehicle insurance company.
Now, when i check with the service center who did my claims, they say i can't claim LOU because when i renew my insurance last year i did not opted for LOU (which i didn't know there's an option to opt for it).
I was told i will have to pay additional on top of my sum assured for my yearly insurance.
Am i getting the correct information? Or is the LOU claim something that is already included in all standard insurance policy?
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Fighteden
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Mar 17 2017, 07:21 PM
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QUOTE(saigetsu @ Mar 17 2017, 01:09 PM) yes. since u claim ur own insurance.. u need to havecthe coverage fisrt. unless u claim from mitorcycle insurance, then yes I don't understand, can i claim LOU or not? And does Kurnia requires additional payment yearly for LOU claims? |
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Fighteden
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Mar 18 2017, 05:55 AM
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QUOTE(saigetsu @ Mar 18 2017, 03:08 AM) in this case, its not your fault. y the heck u claim own damage claim from ur insurance? u should claim thkrd party from third party(motorcycle). third party cover allow any third party to claim anything from bodily injury, damage to car or otber proerty, loss of use. y? because its your fault tbird party suffer. i type usi g phone.. so please bear with me. if u claim from ur own i surance, standard insurance cover i.e. first party aka comprehensive will only cover own dMave to ur car, theft, fire. windshid, flood, loss of use u need to pay extra. to answer ur question, u cannot la since u claim from ur own insurance. since u didnt buy the cover. but u still can claim from that motorcycle insurnace. as third party claim. i jnderstabd u cannot claim from that .otorcycle insurnace. y? Wait, i can claim car insurance from Motorcycle? How does that work????? I was told that once a car is hit by motorcycle, it's gg regardless who's fault it is. But too bad  i already done the claim with my own insurance.. sigh |
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Fighteden
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Mar 18 2017, 04:03 PM
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QUOTE(saigetsu @ Mar 18 2017, 09:53 AM) ok need more info. siapa salah dia la bayar. but if u driving, motrcycle, bixyclw, pedastrian hit u and and they injured... automatically its become ur fault coz for bodily injury, if court found u were nwgligence even 1%, court will blame u. so in this case, motorcycle hit u, he got injured or not. if he was... then u are at fault lor. (but only if he claim third party bodily injury against u). so cannot claim his insurance. At first the rider says he is ok, then later he say leg pain can't walk have to call ambulance.. so idk about his injury status |
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