Hi sifus, pls advice my case. My car sent to sc after banged by a car and lodged police report, claim under odkfk.
Third party fault and got summoned. Got all the documents except the sketch plan due to the sergeant is on leave lol.
The 3rd party adjuster went to survey and estimated 7 days for repair duration.

However,
1. The B&P service advisor told me repair duration is definitely over 7 days, most like to take 2-3 weeks. For LOU, any wayto let the adjuster increase the duration?
2. The 3rd party insurance approval cost is insufficient to repair my car and the SA told they will put supplemental on my insurance. What should I do about this?

Thanks

Yesterday my house got bang by a motorcycle, causing damage to my gate, autogate component and also to my car. I got to lodge police report but the rider didn't. I believe rider doesn't have license. However, this point didn't mentioned in police report.

The motorcycle got active insurance, and is Third Party Coverage type. Can I make third party claim?

My house also got insurance, so can I claim this insurance as well? In case I unable to claim motorcycle insurance. Pls advice.

I involved in a chain collision accident last week, involve three vehicles as below:

1st car: Isuzu Dmax
Middle: wira 1.5
Last car: Lorry
My car is the middle, wira 1.5 and had lodge the police report. But the Lorry driver don't want to lodge the police report and don't want to settle even he is at fault.

1. Workshop inform can't claim 3rd party insurance as the Lorry driver didnt lodge police report.
2. Can't claim OD KFK also, due to the same reason.
3. Call to insurance customer support ( Etiqa), they feedback can only claim OD KFK if all parties involve lodge police report, advice me to claim third party (Lorry).

Workshop want me to claim under own damage and my NCD will gone. Can advice what to do next? Thanks

I was involved in a car vs motorcycle (I was the car driver) accident slightly more than a month ago. I sent the motorcyclist to the nearest hospital as he was complaining of pain etc in his body. Anyway, I went to do a police report right after sending the motorcyclist to the hospital as I was concerned that he might be injured from the impact. However, upon returning to the hospital I sent him, he was discharged without any injury from the accident. We exchanged numbers at that point of time for communication purposes.

24 hours after the accident, the motorcyclist messaged me through whatsapp that he wants to settle the damages outside as he was poor etc. However, I informed him to make a police report as regardless, he was sent to the hospital. But he didn't do any police report until now and the investigating officer does not seem to want to do anything. My car has been sent to the workshop and had to claim insurance. What should I do?

Just had an accident this morning where a motorcycle hit my right rear passenger door after he ran a red light. We both already made police reports, he admitted fault because I have a dashcam.

I have comprehensive insurance under AXA, how should I proceed? The sergeant told me to take my car to a certified workshop where I only need to submit my details without police report and my car and they will take care of it from there, because otherwise I will need to wait for the police report and stuff to be cleared which he said will take 14 days. What should I do? I havent contacted my insurance yet. The motorcycle also has comprehensive insurance.

My car is also still driveable.

Fastest most efficient.

Call ur insurance notify them. Ask them what doc u need to bring to the workshop. Call ur car service cenfre, ask they do own damage kfk claim or not. If yes, proceed. If no, go search i ternet axa authorised panel workshop.

Pass the doc. And hand in the car. For loss of use, u need to contact that motorcycle insurance. No matter what happen, ur ncd should not be zero. Pls check ur ncd again after 3 months.

But that person didn't report, only me. If the rider doesn't have license, can I still make the claim? (report didn't mention who is the rider during accident)

I got take picture as proof, but if I try to claim third party damage claim from motorcycle, do I need police decision? Usually how long it takes?
Within how long duration I should file this claim? Got limit?

I call the motorcycle insurance,they say
1. Never mind if motorcycle owner didn't report, but I need to go sumpah say it wasn't my fault.
2. Need to find adjuster. I need to pay for it.

I call my car insurance, they say
1. Never mind if motorcycle owner didn't report, only need police decision.

I call my house insurance, they say
1. I can claim my gate damage, but need quotation first.
2. Insurance will appoint their adjuster and cover the cost.

** The police did come and take pics, but didn't ask for those I took. Even when I try to lodge a report, disappointed with their attitude and efficiency. Haiz...

Hello everyone! I need some advice on my case. Thank you in advance for reading!  

Long story short, while I exit a 4-way junction, I didn't see properly a car coming in the main road, so that person banged me at the right front door, while that person's car has a very indented front. I have agree for them to claim my insurance, however, the person's friend came to me: "Can you say you lose control of your car and hit the side of the road? Cause my friend's Roadtax EXPIRED" . I told that person that I'm going to make a police report (the truth, not the lose control thingy), so anything meet there. They kinda agree to it, but then I didn't saw them showed up. Well for me to secure myself by the law, I made my report within 24 hours, paid my saman, and the Sarjan told me that the rest will be handled by the police, don't worry about anything else.

So now almost 2 months has passed, the person messaged me to pay for their repair fee (Well over a thousand). But according to the law, they should be claiming my insurance, and not me paying them in cash. I did reminded them to do the claim.

So now I have several questions on my case:
1. In the eye of the law. who is actually at fault? (Me exit from the small road that causes the accident, or not having a valid roadtax?)
2. Its over 2 months now, can they still claim? If they can't and come back to me, should I pay? (I'm a student and financial is a big issue for me)
3. If they continuously harass me, what should I do?

P/S: I am a P-License holder, and that person is too, although they didn't put up the P-sign on their car.

Wow!! Thank you very much for the fast reply! Really appreciate it at this time when I'm stressed with my school yet that person giving me constant trauma....
Thanks for answering all the questions, I have a clearer picture of the whole case now.

Now to answer your question in return, yes I did claim against my own insurer as well, and man the cost is "Big". It's very weird to see that obviously my car has lesser damage compared to that person, but my repair cost is so many folds of the thousand they have. Well not that I am concerned about the need to pay them, but I did received advises about it stating that the reduction of NCD is based on the amount you claim. So maybe if ever the cost is lower, I might be able to save some of my NCD there, is this true?

No. Once claim regardless of amount, ncd is reset to zero

Hi regarding the number of days for computation of cart based on the independent loss adjuster recommmendation.
So the adjuster will come to the workshop and tell the workshop?
Currently i am claiming odkfk and cart from chubb insurance due to my axia bang by others from behind.
New car so sent to perodua and they help me claim 20 days x rm50 but chubb insurance offered me 10 days x rm30, i submitted all document completely. I should be able to claim more right?
Maybe the days are controlled by afjuster, i cant do anythg but the rate per day can be more right? Because i submitred all the documents...please advice tai gor

Damnit. Wonder if I use car rental during that period they will let me fully claim it back.

Fully not sure. By right can. Make sure same cc.

i purchase loss of use addon in my motor policy. I bought RM200 per day option (they also have other options like RM100/day). when I claim CART, will they pay RM200 per day or revert to whatever minimum daily rate BNM decides?

loui
buggie
bro wanna ask u something, my friend kena scam by agent. his car was di bawa lari by this agent. can claim or not (theft)? any exclusion?. or anyone who pro about this.

nope

insurance cover theft

in your friend case, he willingly parted his car to the agent, hence not consider theft (just like case where you give key to car wash or carpark jockey and they ran away with your car, insurance won't pay)

this OD KFK affect other fella NCD or not?

i went to SC's insurance dept ask before, they say no this wor
is it apply to every insurance company ?

i'm glad that got this useful tread to enlighten me some good knowledge.
but  can i ask have somebody ever claim towing fee direct with TAKAFUL MALAYSIA? i got the reply from takaful malaysia that asking me to liaise directly with workshop on towing reimbursement . but the problem is i paid cash by myself. i dont trust with the workshop because they act  slow and no fast respond taken even called has made/ text. any similiar case for my reference. if reimbursement thru the workshop is no hassle free . the money with go thru they account .....tq.