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 Accident 101: i teach u claim loss of use

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michaelangelo
post Dec 3 2016, 11:28 PM

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Wanna ask, if my car got banged from the back and the workshop said 2 weeks to fix..but actually its just bumper scratch and need to knock back and painting..nothing major..
I wonder if the 2 weeks is just for processing the claims/ waiting for police documents?coz i asked my fren, he said to fix its just about 1 day with painting and knocking..
Is it possible not to leave my car at the workshop for that long?...can i only bring the car there when the adjuster come for assessment? and arrange the time with the workshop to fix it..

michaelangelo
post Dec 4 2016, 08:08 AM

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QUOTE(saigetsu @ Dec 4 2016, 06:47 AM)
Thats long for normal repair n normal for insurance repair. U wanna claim against third party or own damage claim?
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I called my insurance company TM and they told me to go to TM panel workshop and claim from them first.will not affect my NCB.then they will claim back from the person at fault's insurance company..
btw, is there a deadline to claim for insurance?coz i would need to use the car for work...


michaelangelo
post Dec 6 2016, 03:08 PM

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Ok I called the workshop and they told me in order to claim the 3rd party.. need the keputusan but that one need to wait about 2 weeks. Do they proceed to repair my car first and claim od Kfk ?
I haven't collected my police report.. dun wanna go there so many times.. anyone with experience in collecting the keputusan +reports? Is it really 2 weeks?
michaelangelo
post Dec 6 2016, 05:01 PM

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QUOTE(saigetsu @ Dec 6 2016, 04:34 PM)
Own damage and third party is 2 diff thing.

Own damage - u claim your own insured. In this case. knock for knock or KFK coz all kereta affected are first party cover(comprehensive) cover.
Third party - u claim from third party insurance la.

But doesnt matter. it doesnt concern u, only concerns between insurance companies.

So your workshop wanna claim third party- so be it. thus, this is not od kfk. both claims wont affect your ncd.  if you have to collect police report for the workshop to submit third party claim. if the workshop say no need, please expect

1. they will do everything from you, and in return, they will songlap the loss of use claim. to cover their exp to bayar polis, minyak to collect police report.
2. POTENTIAL slightly delay in your repair process because third party insurance mesti die2 want to see keputusan stating that their insured at fault. actually behind the scene, if workshop confirm know that u r not at fault, they will repair straight away.
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Actually they will fix it under od kfk first. Then when keputusan out, they will upload the keputusan+photos to the claim system in order to process the claim. My workshop dun do for me the police thingy. Ask me to go collect the keputusan and give to them.The loss of use also need to submit myself, they will provide the forms, documents etc.

michaelangelo
post Dec 6 2016, 09:25 PM

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QUOTE(saigetsu @ Dec 6 2016, 09:08 PM)
Haa then good lor. Prepare some money to pay police for the keputusan and stuff. Last time they asked me rm60 no receipt. Feel macam kena tipu
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how much should we pay for the keputusan?shouldn't it be a fixed amount..?
michaelangelo
post Dec 8 2016, 08:47 AM

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QUOTE(Davez89 @ Dec 7 2016, 04:19 AM)
My report was rather long,  Sargent said 2 week but the report she gave me wrote 3 weeks,  so i ask workshop fix first i claim 3rd party later.
Keputusan is rm8
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Went to get my report yesterday. The police told me keputusan set is Rm20. And its 14 working days so in my request form 28th Dec only can get the keputusan...

michaelangelo
post Dec 31 2016, 09:55 PM

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QUOTE(saigetsu @ Dec 7 2016, 12:03 AM)
My fren didnt pay a thing. I paid rm60. Lets found out yours then.
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Just collected my keputusan last Thurs after 14 working days. The cost Photo * 2 = RM6 + Third Party Report RM4 + Rajah Kasar RM4 + Keputusan RM0
Total = RM14 . This is the keputusan SET although the keputusan is free.


michaelangelo
post Feb 6 2017, 11:36 AM

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i got my keputusan on 28 Dec 2016...accident on 1 Dec 2016..till now the workshop has not called me to bring my car to fix...already 2 months now...insurance already approved the claim..workshop delays me..said not yet get the parts...wtf..
michaelangelo
post Feb 7 2017, 02:23 PM

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QUOTE(saigetsu @ Feb 6 2017, 11:43 AM)
conti car?
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japan car..

 

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