My car got hit by motorcycles. Police report all filed. The motorcycle was issued a summon.

The panel workshop i went to suggested that i go for OD KFK instead of TPPD, because it involves motorcycle.

The reasons being that if I go for TPPD, the motorcycle rider can still file a claim for bodily injury in near future against my insurance anytime 6 years down the line, eventhough he's clearly at fault and been issued a saman. And my NCD will get affected if it happens and worse still, my insurance company can choose not pay for the bodily injury claim and I have to bear the cost myself.

If I claim using OD KFK, i kind of notified my insurance company regarding the accident. So that in future, if the motorcycle decided to claim for bodily injury, my insurance company will help to compensate.
Problem with OD KFK for claim against motorcycle is hard. As explained in this thread.
Meaning that i would end up burning my NCD. Because they need to lock my NCD for 6 years in anticipation for bodily injury claims. Lock means that my NCD will be reset first, then keep in view refund later after the 6 years period, according to what the panel workshop explained to me.

Is all the above true ? Or the panel workshop just lazy to do TPPD for me. Or like the panel workshop suggested, I would be better off with ODKFK in this case instead of TPPD for the extra peace of mind 6 years down the road.

Please enlighten me.

This post has been edited by Nemozai: Jul 28 2023, 01:31 AM