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 Accident 101: i teach u claim loss of use

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ramli sarip
post Feb 13 2018, 12:39 AM

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Hi want to ask about this case.

1. Car make u turn on green light.
2. Got bang at the passengger side by a motorcycle that run a red light.
3. Motorcyclist didnt drop single blood but we insisted to the ambulance to take him to hospital for further check up.. later that day found that the motorcyclist never went to the hospital.
4. Motorcyclist doesnt have license. Motorcycle got roadtax.
5. Car make police report. Motorcyclist didnt make police report.

Question.

1. Can car claim from motorcycle insurance?
2. How long aio will wait for the other part to make report?
3. If car claim own damage ncd will be burn?
4. Can motorcylist claim medicall bill if he didnt make police report.

Tqvm.
ramli sarip
post Feb 13 2018, 02:14 PM

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QUOTE(saigetsu @ Feb 13 2018, 08:38 AM)
Can try luck. Ive seen a case where a guy with nobvalid licensed due to expired. Still can claim

Since he didnt make police report, a bit pain in the ass. Hope u have his plate number or ic or something.

Call ur insurance first notify them only.  And then go to any workshop ask them if they can help claim for thid party. Not ur insurance. Coz this involved appointing a third party lawyer, third party adjuster, pesuruh jaya sumpah, jpj to know the motorcycle insurance company to make a claim.

Can claim from ur insurance tapi hilang la ncd.

Motorcycllist cannot make claim it he didnt make police report.
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QUOTE(MeToo @ Feb 13 2018, 11:03 AM)
1. Can
2. Depends. IO is lazy to come out with a keputusan until the other party makes a report. So you have to keep following up with him.
3. If you claim your own insurance, it will be the easiest but yes NCD burn. (Also note lose of NCD is not for 1 year.. its a snowball effect..)
4. No. But he can still make police report at a later date, the 24 hr restriction is a fallacy. If he makes a medical claim, even if the police keputusan is siding you, you will STILL lose your NCD. Thats why bikes are king of the road
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Tq for the reply.. maybe can claim own damage cause less hassle.. will consult insurance for further action..

ramli sarip
post Feb 14 2018, 09:38 AM

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QUOTE(saigetsu @ Feb 14 2018, 06:40 AM)
Can. But i dont really know the procedure. U can contact malaysian insurmace bearau whatever biro punya spellong in english.

They can help u if the other party xde insurnance.
But what happens if that motor vehicle has no insurance coverage? Who do you claim from? This is where Motor Insurers' Bureau of West Malaysia or MIB for shor
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QUOTE(saigetsu @ Feb 14 2018, 06:41 AM)
Got mib. They can cover.
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I read somewhere they just cover the medical bill. Not the cost for car repair.
ramli sarip
post Feb 19 2018, 11:36 PM

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QUOTE(ramli sarip @ Feb 13 2018, 12:39 AM)
Hi want to ask about this case.

1. Car make u turn on green light.
2. Got bang at the passengger side by a motorcycle that run a red light.
3. Motorcyclist didnt drop single blood but we insisted to the ambulance to take him to hospital for further check up.. later that day found that the motorcyclist never went to the hospital.
4. Motorcyclist doesnt have license. Motorcycle got roadtax.
5. Car make police report. Motorcyclist didnt make police report.

Question.

1. Can car claim from motorcycle insurance?
2. How long aio will wait for the other part to make report?
3. If car claim own damage ncd will be burn?
4. Can motorcylist claim medicall bill if he didnt make police report.

Tqvm.
*
Update on this case.

The motorcycle have made a police report. But of course the report he stated that his light is green and im is wrong.

He got no serious injuries. Just some bengkak.. no broken bones.. not a single blood drop.

I think he will not claim for any medical bill.

Car is at insurance panel workshop.

So now do i wait for the keputusan or can straight claim third party?

Who should complete all the documents needed? Me or workshop? If workshop, do i have to pay anything?

What if the keputusan said im wrong? Should i fight back or just burn ncd?


 

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