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Accident 101: i teach u claim loss of use
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apalexar
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 Sep 8 2019, 11:56 PM
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QUOTE(benji @ Sep 8 2019, 08:05 PM) Uncle son not Report the accident to the insurance company.. We both go report to police.. I go update my insurance conpany. But he didn't Btw, I'm just thinking about a "special" rule when accident happen. Let's say A got a car with third party insurance and one day he bang B car, fault is on A but A don't make police report and B does, B can't make claim from A but only can claim self insurance or self pay. If that's true then huge benefits on third party coverage car |
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apalexar
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Sep 9 2019, 08:11 PM
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QUOTE(benji @ Sep 9 2019, 07:52 PM) B should refer to his insurance. If police report show b is right, b still can claim from a insurance. Although a insurance will say a will need to pay him self as he dont report. Any law actions can be made to A and not to A insurance. That is what ive been told. I heard there's case that the officer say B only can claim his own insurance even though B is right, while the officer only able to issue a summon to A which should be RM300 because A didn't make report. What do you think about this? |
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apalexar
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Sep 9 2019, 08:54 PM
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QUOTE(benji @ Sep 9 2019, 08:27 PM) Woh.. Didn't know like that. Maybe insurance lazy to sue A lol.. But if true.. That is totally wrong lorr O yeah, if A not even make report officer also can't decide who's the right one correct? Then B only can opt to say self fault in order to claim self insurance, bad luck lo But guess this only able apply on those with third party insurance because anyway they can't claim for self vehicle so report is not important for them, but ofc just for case without people injured |
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apalexar
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Sep 9 2019, 09:46 PM
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QUOTE(enixcv123 @ Sep 9 2019, 09:07 PM) I thought that ODKFK can also apply to third party insurance instead from comprehensive. Even A didn't make report but B still can claim according to the police outcome report and if necessary, just perform oath then the NCD will also save. Correct me if I am wrong. Not sure about that, but as what I heard, the case is that the officer say B not able to claim from A insurance due to A didn't make report while the officer only able to issue a summon to A which should be RM300. If that's the case does it means that for all those own third party, don't need waste time to make report? Make report just make self NCD waive while don't make one will just need to pay the fine 🤔 |
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