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

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

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)

bros and sisters before going any further i bold the important part , no car number plate how to make statutory declaration ?????

for everyone info statutory declaration is where you go Pesuruhjaya Sumpah also knows as Commissioner for Oaths


http://www.kehakiman.gov.my/?q=en/node/672
check the link for the nearest to your location


basically what it do is you must swear in front of the commissioner that the things you say is the truth and nothing more then what happen
once you done that you be bound by the law , if anything the insurance company found out anything additional or extra that you been
hiding it will be obstruction of justice.


also if pls prepare that even after you do statutory declaration, is take longer time to process your case
since insurance company need time to investigate the case.

pls also remember the car model and color , that detail need to be inside the statutory declaration

pls do not encourage people to conduct such claim

is consider a insurance fraud and can get you into trouble for suggesting/encouraging.


try to imagine if your the innocence owner that being hentam, how much trouble and shit you have to deal
with the insurance company and the police will considering this is a hit a run case.


i know you have quite knowledge in insurance claim but pls do not mislead other forumer in doing it
your not the only person in this forum that know how inside works.

base on your situation ,


Assume scenario A
if the motorcycle dude decide make police report and the outer lane dude didint make any report,
you have to be responsible for the accident because your the person who ran into him

Assume scenario B
only if the motorcyclist inside the police report must write the dude on the outer lane
make sudden turn thus causing this accident then only the outer lane dude
will be responsible for the accident. you yourself must also state the same thing

Assume scenario C
you make police report but the outer lane dude didint make any report, motorcycle dude didint make any report
this case will take time to settle, all base on the sergeant decision

Assume scenario D
you and the outer lane dude make police report but motorcycle dude didint make any report,
inside the report is 2 different story. this case will take time to settle, all base on the sergeant decision
worst case scenario is sergeant will ask you both settle your own since both of you cannot produce any evident
or this case will bring forward to majistret to let the court decide.



go workshop and ask total cost is how much for both repair ,

then calculate yourself to repay back insurance premium with 25%NCD for first year
30%NCD for second year see the total cost exceed the workshop quote or not


Option 1
if workshop price is less then NCD cost , repair yourself

Option 2
if workshop price is almost same or equal NCD cost , my advice repair yourself because you time
spend in police station and to gather all the document for insurance claim and the time the
car need to spend inside workshop doesn't worth it.........

Option 3 ODKFK
if workshop price is at least 20% higher then NCD cose , go claim but
prepare to spend your time to collect all the document and also the hassle
no car to use during repair.

also pls be remind that the insurance will not pay for the damage in the rear because is
not relate with the accident, you still need to take out your own money to get it repair.

usually workshop will gave you a discount price for the rear portion repair if you
do the insurance claim on front part aswell

Option 4 OD
claim you own insurance and lose NCD but both front and rear will be repair
under insurance BUT you need to think of a way to make a police
report that stat how you damage both end of your vehicle

wish you good luck

you already have your answer

most simple make police report and claim your own insurance as OWN DAMAGE

there are 4 things that you cannot claim on insurance

police vehicle, military vehicle, public transport, riot