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> Accident 101: i teach u claim loss of use

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TSsaigetsu
post Oct 1 2014, 09:59 AM, updated 2w ago

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Whenever people bang u.
1. u can claim OD kfk (own damage knock for knock)- preferable, ncd wont loose, faster, less hassle
2. u can claim third party against langsi - ncd wont loose, slower claims process, more hassle, u might getting less that what uve paid.

Y? im lazy to explain.

whenever your car at workshop for repair, u cannot use your car. but u can claim loss of use as u unable to use your car.

LOSS OF USE (LOU) claims a.k.a Compenssation assessed repair time (CART)

1. u can only claim from third party insurance. ask your agent.
2. For case no.1 above, after u make claim from your own insurance under ODKFK, u have to claim against 3rd party for LOU. a bit hassle
3. For case no.2 above, u claim one shot lah since u claim from third party anyway.

Scale of Compensation for Assessed Repair Time (CART)

Vehicle Type
Private Use Vehicles
Up to 1500 cc - RM 30
Above 1500 cc up to 2000 cc - RM 40
Above 2000 cc - RM 50

Motorcycles
Up to 250 cc - RM10
Above 250 cc - RM15

Terms and Conditions
1. The above scale defines the minimum amount payable by third party insurers for
CART claims where the claimant is unable to produce satisfactory documentary
evidence, receipts, etc. to support his/her claim for CART.

2. In cases where receipts can be produced for vehicle rentals, insurers shall pay
the amount shown in the original receipts
and original car rental agreement
subject to the principle of indemnity and subject always that the claimant shall
only be entitled to the rental of a vehicle of an equivalent nature to the damaged
vehicle. Such rental must be only from a rental agency/company duly registered
and licensed by the relevant authority.


3. The number of days for computation of CART shall be based on the independent
loss adjuster’s recommendation on the number of days for repair
of the damaged
vehicle subject to the insurers’ discretion to apply an additional seven working
days grace period for unforeseen delays.

http://imgur.com/5AxuEVq
no.3 is the tricky part, coz adjuster u know lah...

sekian. Thank you

This post has been edited by saigetsu: Dec 29 2015, 02:44 PM
TSsaigetsu
post Oct 1 2014, 10:07 AM

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QUOTE(2feidei @ Oct 1 2014, 10:05 AM)
Good info.  thumbup.gif

But need further clarification/ explanation on layman term, not everyone in /k is expert like u

What is different between 1 and 2. - which 1 and 2?
What is OD kfk? own damage knock for knock - its a term anyway where u claimed from your own insurance
What is langsi? - people who bang u lah... sorry if langsi got diff meaning
*
TSsaigetsu
post Oct 1 2014, 10:18 AM

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QUOTE(2feidei @ Oct 1 2014, 10:11 AM)
Tenkiu....your point on 1 and 2. Anyway, you already answered.

OD kfk - you claim your own insurance and still not lost NCD. Wow....something new I learned. Thank you

Further question, OD kfk - can elaborate more? Ppl bang me, I claim my own insurance, and at same time I won't lost my NCD. Then, don't my insurance company disagree? Not my fault, or I mean the insurance co issue, but they have to pay for me, while the insurance for the person who bang me no need pay anything?
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there is a condition for od kfk. if people bang u is comprehensive policy, u can claim od kfk. insurance company legally must agree. but u must know the type of cover of the people bang u lah.

if people bang u only have third party policy, then u have no choice but option 2.


TSsaigetsu
post Oct 1 2014, 10:20 AM

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QUOTE(AceKendy @ Oct 1 2014, 10:09 AM)
U forgot to note that all these claims only work if the 3rd party reported the case as well.

If hit and run without a proper police report. You can makan sendiri.
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if hit and run, make sure first thing u know the plate number. once u know the plate number u still can claim but a bit hassle.

have to go to commisioner of oath ckp this plate number car hit me and run away. then u can proceed claim third party against insurers of this langsi people.
TSsaigetsu
post Oct 1 2014, 10:21 AM

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QUOTE(DarkNite @ Oct 1 2014, 10:18 AM)
if I knock the other vehicle, can still claim how?
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x faham... details sket.
TSsaigetsu
post Oct 1 2014, 10:41 AM

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QUOTE(DarkNite @ Oct 1 2014, 10:33 AM)
I knock the other car and now both cars are in the workshop for repair.
so can I also claim for lose of usage of my car? hmm.gif
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oh my post is about people bang your car. now that u bang people car, u cannot claim loss of use laa.... u wrong ma.. only he can claims against yours.

unless, u subscribe CART insurance when u renew your insurance. then u can claim for LOU
TSsaigetsu
post Oct 1 2014, 10:44 AM

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QUOTE(barista @ Oct 1 2014, 10:23 AM)
I recently got bang in a pile up. Car behind got hit and the car moved forward and hit mine sad.gif
When we went to report, the last car did not report yet.  We both want to claim from the last car.
What happens if the car did not report? I don't know whether the stupid driver reported or not. I have got my police report and calling the elevator to access my 1 month old car sad.gif
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yours is chain collision... procedure is u always claim people from behind you... immediate behind. not the last one. if you are thesecond last in your case above.. then too bad. refer to my post earlier how to claim if people behind u didnt lodge police report. but i belip he will la... his car sure ggot damage one. sure claim insurance one. it just slower or late report.
TSsaigetsu
post Oct 1 2014, 10:47 AM

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QUOTE(BigSaver @ Oct 1 2014, 10:23 AM)
How about we bang ppl for their own mistake? Malaysian SOP i believe whoever hit us from back is consider already wrong.

Pernah involved in one excident at federal. It's a LADY bwk motor xreti bagi signal and look for any incoming vehicle. Instead compensate, her brother threaten me to report and accuse me for hitting from back.

How??
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there is no their own mistake in malaysia lorrr...

when u bang people, its yours, unless u stated in your police report

that car x bg signal and enroach my path, i give honk but its too late. police may end up summon that guy, and u can claim against him .. but rarely happen. too bad. or

the other condition, police didnt summon anybody but consider this case as RTI - refer to insurer.
in this case, insurance decide la who salah, and only pay 40% of the total cost repair. fuuu
TSsaigetsu
post Oct 1 2014, 10:48 AM

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QUOTE(cruel_boy @ Oct 1 2014, 10:39 AM)
this article is still rough and sketchy for newbies like me. Pls elaborate more.
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which part?
TSsaigetsu
post Oct 1 2014, 11:01 AM

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QUOTE(WaCKy-Angel @ Oct 1 2014, 10:50 AM)
boss mai case how?
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1. find the langsi plate number - kalo x dapat your loss.
2. go jpj, find out which insurer this langsi subscribed.
3. write letter want to claim LOU from this insurer, pass all doc (adjuster report, police report)
4. langsi insurer received your claim, and will contact langsi confrim everything. langsi insurer ussually will send a letter to langsi stated that if x mengaku, insurer will liable to pay if anything.
5. ????
6. profit.. well if x menagku jugak, seek advice from langsi insurer how... i seriously dunno what to do la if got people like this.

TSsaigetsu
post Oct 1 2014, 11:01 AM

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QUOTE(cruel_boy @ Oct 1 2014, 10:58 AM)
well, you can start with all the questions ppl are asking and you having to answer one by one. How about combining all those info properly in the 1st post itself with example of scenarios for better understanding

I appreciate the info given, but having to go through countless posts to get the whole picture isn't helpful for ppl like me who is new to these things.
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u meant spoonfeed u? boh layan
TSsaigetsu
post Oct 1 2014, 11:02 AM

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QUOTE(DarkNite @ Oct 1 2014, 10:51 AM)
thanks for the reply. how much is the premium for CART insurance? what are they cost factors?
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haha this one i dunno.. diff insurers vary. i only know kurnia offer this product
TSsaigetsu
post Oct 1 2014, 11:03 AM

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QUOTE(MR_alien @ Oct 1 2014, 10:55 AM)
1 question
i claim warranty before...other party's insurance
the workshop told me they have help me claim loss of use..i saw it somemore
but i never received any cheque since
what do i do?
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lol too bad. next time do it your self. workshop sudah telan, or unless u got prove that workshop need to help u.
TSsaigetsu
post Oct 1 2014, 11:06 AM

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QUOTE(HeReLiSm @ Oct 1 2014, 11:02 AM)
My case:
My car stuck at the workshop for three months before completed repair. I claimed for ODKFK first, later got all police results then the workshop claimed for third party.

If I wanna claim for LOU, do I have to claim myself? What document I need? and since the car stuck at the workshop for three months, how many days do I get to claim?
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your car stuck for three month doenst mean in the adjuster report says the repair time require is 3 months. it may only requires 7 days. then u only eligible to claim 7 days ony. thats y i said, adjuster x boleh pakai or workshop x boleh pakai.

workshop claim third party its either , the other party only got third party cover, not comprehensive cover or, u kena tipu dengan insurer.

how to make claim for LOU by your self

1. refer to my previous post in this thread. go to jpj etc2.
TSsaigetsu
post Oct 1 2014, 11:07 AM

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QUOTE(quick_shaq @ Oct 1 2014, 11:04 AM)
TS should include info on betterment and excess terms use by insurance company.
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today LOU sudah la
TSsaigetsu
post Oct 1 2014, 11:19 AM

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QUOTE(MR_alien @ Oct 1 2014, 11:10 AM)
they did ask me to sign something
say will submit to the insurance company thn the cheque will be mailed to me
its like <an amount> X how many days  = RMXXX
a letter like that
she did mention max is 2 weeks
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then u follow up loh with the workshop or langsi insurer.
QUOTE(HeReLiSm @ Oct 1 2014, 11:11 AM)
Nope, I meant third-party here is the one that bang my car (lorry).  blush.gif

Everything is done already, I claimed for ODKFK first, then my insurance will claim from the lorry's insurance.

I have documents such as the workshop report, the JPJ search and the insurer of the lorry already.
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then u write a simple letter want to claim, later they will reply and ask docs. follow insutruction then ok d
TSsaigetsu
post Oct 1 2014, 11:20 AM

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QUOTE(toenexx @ Oct 1 2014, 11:15 AM)
Even claim ODKFK still have to wait for "Police Outcome Report" first to confirm which party is at fault - which will take at least 15 days if I'm not mistaken, no? So it's not immediate per se.
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if got cable, 1 day oso can get.. police oso very efficient if got incentive. hehe
TSsaigetsu
post Oct 1 2014, 11:26 AM

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QUOTE(WaCKy-Angel @ Oct 1 2014, 11:20 AM)
U talking about LoU only right?

But then, regardless of whether insurer mengaku or not, as long as i have the keputusan then his insurance company has to pay right?
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if langsi admit, easier for you la to do the claim. but if u have the keputusan, meaning langsi also already made police report kan. so if will not have prob at the police side... just wait keputusan ony. keputusan will deterine your insuraance pay u or not , and how much they will pay, full or not full..

haiya complicated la want to explain here.

This post has been edited by saigetsu: Oct 1 2014, 11:26 AM
TSsaigetsu
post Oct 1 2014, 11:28 AM

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QUOTE(2feidei @ Oct 1 2014, 11:23 AM)
Can claim. I experienced before. Car was bang (very badly) by dunno drunk driver or what, cause I park at road side, legal with proper petak btw. Some good passerby told me the plate number of the car. I go report police. The fella report later, and instead put in my car plate number, he put some dummy number, who definitely, the owner won't report, coz no report mar. Ultimately, after some time, and lots of  whistling.gif , keputusan case out, it the fella fault, and I can claim. Whole process, took me 6-9 months, reason, of the above, the car register outstation.
Police outcome report is out within 14 days. But, if you  brows.gif the investigating officer, or ask some runner to do it for you (in return to let your car repair by them), then, immediately u can have it
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how to whistling.gif police liao... dunno how to hint...
TSsaigetsu
post Oct 1 2014, 11:31 AM

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QUOTE(unknown warrior @ Oct 1 2014, 11:29 AM)
This is what I call worthy /k/ thread.

the vera kari tered all like sampah.
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thank you, one of the way to feel my self being appreciated for the job that i dnt even think i will end up with,

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