My car got accident with a bus sometimes in 2012. Yes, that was years ago. We were travelling on a rather straight stretch, when suddenly the approaching bus from the opposite direction served into my lane. Managed to hit my brakes but it was too close. Hit the bus front left wheel but damage to my car was very bad. Totally crumpled. Engine got off of its mountings, etc...

My family got light injuries, and was discharged the same evening.

Made police report the same evening then called the bus company to discuss about insurance.

As it was the bus driver's fault to swerve the bus into my lane, i insisted that the repair to my damage car be paid by the bus company. The bus company manager agreed but the repair work might get delayed. If i don't want any delay, the repair work should be covered by my own insurance. Meaning i have to 'rugi' first. I want 'fast' repair, as i badly need the car again, so i followed the manager's words. When all was done (after 6 months of repair) i got my car back and receive an offer from my insurance, offering to 'compensate' my 'loss' for about RM1k ++. I didn't accept the insurance company offer, with the hope that it's not an end to my unattended demand.

Now my insurance NCD is 100% and the bus company is silent, probably hoping that I'm content with the 'hassles'.

I would like to know whether I can still make a claim from the bus company after a long period of silent? Please enlighten me

Thanks for the advice bro. But i haven't engage any thing legal yet, rather than calling up the bus company. Still refraining myself engaging legal because it might be expensive.

Thanks again, bro.

Hi again sifus,

Got an advice from BNM Link to approach the insurance company. I communicate with them via phone calls and emails.

The insurance company had sort of 're-looked' into my case but then insisted me to provide them with enough documents, especially medical history, etc...
I couldn't produce any docs on medical but insisted that my family and i had several visits to traditional health/medical practitioners of some sort (i.e dukun/bomoh/sinsei - not legit registered, of course).

Failing to fulfil their request promptly, they called me up to offer me some 'meagre' amount of compensation - just a couple of thousand for the worst nightmare of our lives (we had experience the worst accident that no word could describe). The insurance co seems ignorant to the fact that any accident is traumatic and very stressfull. To us, the trauma is unpayable with money.

When i asked the insurance, what is the role/commitment of the offending bus company, they didn't give me the answer. I am holding them as trying to settle with me on their own part and leaving the company 'untouchable'. At least the 'offending' company call me up or provide me with a line of their response.

Now, like i said earlier they made an offer to compensate us for a couple of thousand but i haven't responded yet.

I am still seeking ur advice - is it wrong for me to ask for the compensation to be raised? Beneath the raise request, i put up an example which sounds something like this - "If i am to offer somebody tens of thousand of ringgit, and then make him stand in the middle of the road to let me knock him down, will he 'agree'? No, definitely not. Thus i am asking for an increase - use something like "budibicara" and "perikemanusiaan... etc...etc... and not merely relying on the book in considering an amount of compensation..." (I haven't engaged any legal yet, as i am afraid the legal guy would demand a high legal fee). If it's OK for me to ask for a higher compensation, then i'll reply to the insurance company offer.

Please advise further, bros n sis, n thank you very much.

This post has been edited by newsreadr7: Jan 26 2017, 12:23 AM

Tyvm tuan sifu.
I m still refraining myself from penning down any words which might deem to become offending to my reader, even though it's only an ordinary email interaction. Thank you very much again