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> Accident 101: i teach u claim loss of use

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koinibler
post Oct 3 2017, 10:54 AM

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QUOTE(Mike_JP @ Oct 1 2017, 03:00 AM)
No. CART only claim against 3rd party insurer. NCD will be gone. as insurer will put treat the claim as OD (Own Damage)
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Does CART can only be claim if we rented a car or by receipt (taxi, uber etc)?

Its possible to claim CART just by days of 'loss of use'?

I thought it was possible to claim by days after reading the TS first post.

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This post has been edited by koinibler: Oct 3 2017, 11:01 AM
koinibler
post Oct 3 2017, 05:37 PM

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QUOTE(saigetsu @ Oct 3 2017, 01:14 PM)
can. show bnm guideline to them.
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Thanks for the guidelines.
From the chat, it seem that CART and LOU is a different thing, but similar

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koinibler
post Nov 30 2017, 10:12 AM

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Anyone experience with LOU claim. I wonder how long does the insurance company need time to deposit the money?

I make claim of LOU from etiqa since end of September 2017 and no news till now. Roughly 2 month now. Consider normal or too late?
koinibler
post Mar 16 2018, 09:46 AM

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Thank you @[saigetsu] and other member for sharing knowledge here. notworthy.gif
Happen to me and decide to follow through all the procedure although a bit busy here and there.

Just sharing the chronology;

14 Aug 2017 - a car bang into rear of car (accident day)
14 Aug 2017 - make a police report
11 Sep 2017 - collect a final police report
- suppose can collect earlier, the report is complete just still not organize, police still not make call to inform

12 Sep 2017 - send a car to service centre
13 Sep 2017 - need to make a letter why so late sending the car for claim 3rd party
- suppose to inform my insurance about the accident first, within 14 days

26 Sep 2017 - car repair complete but not satisfied with the job, resend for second repair
29 Sep 2017 - car repair complete
19 Oct 2017 - send all accident document to Etiqa Putrajaya for LOU claim
09 Jan 2018 - follow up through hotline. Not really useful call, the claim is not in system
13 Mac 2018 - follow up through email
14 Mac 2018 - had a respond through call and email.
- also replied the email with needed information
15 Mac 2018 - received the LOU claim in the account

Should be quicker to settle all this, but a lack of follow up might be reason for delay.
Its hassle for sure , but a good experience.
My loss of use of 16 days but adjuster just approve claim for 5 days only.
But glad the car repair as good as new.
koinibler
post Nov 15 2018, 03:58 PM

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QUOTE(geelim77 @ Nov 15 2018, 10:14 AM)
mainly just copy n paste what i read here.....LOL
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Good sharing ...
Although hoping for the best , but if somehow happen to me, I also wanna rent a car
koinibler
post Nov 23 2018, 02:58 PM

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QUOTE(geelim77 @ Nov 22 2018, 11:17 AM)
LOL..... notworthy.gif
better prepare a solid excuse of why no claim was made all these years.....they will definitely ask why.

good luck..... sweat.gif
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The reason is physiological trauma from the accident and only had overcome it recently sweat.gif

koinibler
post Nov 24 2018, 08:21 PM

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QUOTE(geelim77 @ Nov 23 2018, 04:31 PM)
later they ask for medical documents to confirm...... sweat.gif
I claim loss of use 2 months after the accident also they ask why.....in the end, I list down a detail timeline from the day of accident till car fixed to convince them.
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I also had to write my insurance a reasoning letter since delay 14 days of informing that I'm involve in the accident. That one still less than 30 days. But, don't know the max allowable limit.
koinibler
post May 17 2019, 09:07 AM

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QUOTE(CheesePizzaa @ May 14 2019, 03:15 PM)
Hi TS! My situation

- Car hit by another car back in Jan 2019
- Police determined other driver is at fault, got the keputusan already
- Tak sempat bring to shop my husband pulak got into accident (own fault)
- life happened, so basically only today finally got the chance to bring car to shop
- our concern is to get the car back as soon as possible. paling boleh tahan 2 weeks, by raya memang really need it already
- damage is minor cracks to bumper and license plate

was told by an agent that one option is we can claim using lawyer, so the car should be out in 4-5 days. the lawyer will take our LoU as his fees.

is this legit? what's the risk? any other procedure?

thank you!
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i don't know about other thing,
but i'm sure the lou is peanut, not possible to cover the lawyer fee, if there's any



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