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 What to do in an accident in Malaysia, Everything about m/vehicle insurance

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nsync
post Nov 16 2017, 11:47 AM

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QUOTE(Axell @ Nov 16 2017, 09:49 AM)
Don't forget to claim the loss of use of your car.
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Hi, what is this claim about? icon_question.gif
nsync
post Nov 16 2017, 11:48 AM

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QUOTE(loui @ Nov 15 2017, 02:21 PM)
still can claim

push for the keputusan case from the sarjan

once you have the keputusan which favours you, straight away inform workshop to fix it under OD-KFK(the other party has to has comprehensive policy as well)
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rclxms.gif thanks for the advice... just receive the keputusan... thanks god.... thought going to drag for a month cool2.gif
Axell
post Nov 16 2017, 04:52 PM

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QUOTE(nsync @ Nov 16 2017, 11:47 AM)
Hi, what is this claim about?  icon_question.gif
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Go to Post #1 https://forum.lowyat.net/index.php?showtopi...&#entry73869938

then search for Loss of Use
M & D
post Nov 17 2017, 10:03 AM

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QUOTE(Davez89 @ Nov 16 2017, 07:14 AM)
Double park already at wrong and yet u wanna get cash from the person who hits u.. What has the world become.
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the lane is wide, the lorry langgar coz wanna park in front of me... thats y he know is his fault.
KCKL
post Nov 20 2017, 09:55 PM

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Hi, for my case, it has been a month from the accident but the other side has not made police report. The sargeant told me that he's unable to provide investigation result if the other side not making report. Upon my further queries, he said he has standard procedure to follow in issuing letters to the other driver before he concludes with investigation result. I am stuck and unable to make ODKFK without the investigation result. Been trying to follow up with the sargeant but not much progress. What can I do to expedite the process? Is there any way I still can claim ODKFK without affecting my NCB?
M & D
post Nov 21 2017, 09:31 AM

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QUOTE(KCKL @ Nov 20 2017, 09:55 PM)
Hi, for my case, it has been a month from the accident but the other side has not made police report. The sargeant told me that he's unable to provide investigation result if the other side not making report. Upon my further queries, he said he has standard procedure to follow in issuing letters to the other driver before he concludes with investigation result. I am stuck and unable to make ODKFK without the investigation result. Been trying to follow up with the sargeant but not much progress. What can I do to expedite the process? Is there any way I still can claim ODKFK without affecting my NCB?
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wondering other side has no made report, and you gotta wait for the investigation? dunno gonna wait how long... sad.gif
Axell
post Nov 21 2017, 05:40 PM

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QUOTE(KCKL @ Nov 20 2017, 09:55 PM)
Hi, for my case, it has been a month from the accident but the other side has not made police report. The sargeant told me that he's unable to provide investigation result if the other side not making report. Upon my further queries, he said he has standard procedure to follow in issuing letters to the other driver before he concludes with investigation result. I am stuck and unable to make ODKFK without the investigation result. Been trying to follow up with the sargeant but not much progress. What can I do to expedite the process? Is there any way I still can claim ODKFK without affecting my NCB?
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Call your insurance company and check with them whether you can replace the 3rd party report with oath.

Normally after certain period, the sergeant should come out with his investigation result. For my case last time, it didn't take 1 month and while he is doing the investigation I still can proceed claim on my own first then later with all the evidences I clear back my NCB. After that I claim the 3rd party for loss of usage.
char_les
post Nov 22 2017, 12:00 AM

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Hi Loui, just curious, saw on FB that accident in a shopping mall complex is not entertained by Police, cz it's a private property and thus makes the claim extremely tough. Is this the case ?
TSloui
post Nov 22 2017, 08:34 AM

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QUOTE(KCKL @ Nov 20 2017, 09:55 PM)
Hi, for my case, it has been a month from the accident but the other side has not made police report. The sargeant told me that he's unable to provide investigation result if the other side not making report. Upon my further queries, he said he has standard procedure to follow in issuing letters to the other driver before he concludes with investigation result. I am stuck and unable to make ODKFK without the investigation result. Been trying to follow up with the sargeant but not much progress. What can I do to expedite the process? Is there any way I still can claim ODKFK without affecting my NCB?
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as per other forumer mentioned

it depends on manager in charge of the said insurance company

call them up to find out whether they are willing to bypass the outcome of police finding


TSloui
post Nov 22 2017, 08:40 AM

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QUOTE(char_les @ Nov 22 2017, 12:00 AM)
Hi Loui, just curious, saw on FB that accident in a shopping mall complex is not entertained by Police, cz it's a private property and thus makes the claim extremely tough. Is this the case ?
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police is ignorant

private property means place like quary site, construction site, TNB stations.... where only certain individual has assess to it

shopping mall, apartment car park... are not consider private property as any individual can easily gain assess into the area

plus, the amendment of road transport act in 2015(if i am not mistaken) has take out the "private road" wording to compel insurance company to insured vehicle at every part of road

so no longer has private or public road issues
KCKL
post Nov 22 2017, 10:36 AM

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QUOTE(Axell @ Nov 21 2017, 05:40 PM)
Call your insurance company and check with them whether you can replace the 3rd party report with oath.

Normally after certain period, the sergeant should come out with his investigation result. For my case last time, it didn't take 1 month and while he is doing the investigation I still can proceed claim on my own first then later with all the evidences I clear back my NCB. After that I claim the 3rd party for loss of usage.
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Thanks for the information. I have already checked with my insurance company earlier and also done a statutory declaration signed under commissioner of oaths (in the absence of third party police report). However, the insurance company still requires the investigation result which must state that it is the other driver's fault.

For my case, the other driver hit my car from the back when traffic was slow, quite clear cut. However, the sargeant seems like delaying the investigation result and kept asking to wait. Just wondering if there is any timeline for the release of investigation result by the sargeant? Or he can drag it endlessly? Any suggestion to expedite it?
KCKL
post Nov 22 2017, 10:42 AM

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QUOTE(loui @ Nov 22 2017, 08:34 AM)
as per other forumer mentioned

it depends on manager in charge of the said insurance company

call them up to find out whether they are willing to bypass the outcome of police finding
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Checked with insurance company already. Police finding ie investigation result is a mandatory document in order for me to claim back my NCB. That's why I am consulting all experts here for your view and suggestion. How can I expedite the investigation by the sargeant, any whether there is any timeline for the investigation result.
TSloui
post Nov 22 2017, 11:33 AM

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QUOTE(KCKL @ Nov 22 2017, 10:42 AM)
Checked with insurance company already. Police finding ie investigation result is a mandatory document in order for me to claim back my NCB. That's why I am consulting all experts here for your view and suggestion. How can I expedite the investigation by the sargeant, any whether there is any timeline for the investigation result.
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that is the problem with local police

they are not required to furnish you with outcome

proper way is to write a letter to the police station, CC copy to police HQ

improper way, bribe
KCKL
post Nov 22 2017, 11:43 AM

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QUOTE(loui @ Nov 22 2017, 11:33 AM)
that is the problem with local police

they are not required to furnish you with outcome

proper way is to write a letter to the police station, CC copy to police HQ

improper way, bribe
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So sad to hear that they are not required to furnish me with outcome. It is so unfair that victim is not proctected.

I suspect the other driver has done the improper way, that's why my case is dragged. Thanks for your advice, I will write in formally to the police station and cc HQ. HQ u meant Bukit Aman right?
TSloui
post Nov 22 2017, 11:49 AM

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QUOTE(KCKL @ Nov 22 2017, 11:43 AM)
So sad to hear that they are not required to furnish me with outcome. It is so unfair that victim is not proctected.

I suspect the other driver has done the improper way, that's why my case is dragged. Thanks for your advice, I will write in formally to the police station and cc HQ. HQ u meant Bukit Aman right?
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yup, bukit aman HQ

but there is a chance it might backfire

Investigation Officer is allowed to RTM/RTI(Refer to Insurance/Magistrate) the investigation if one party fail to lodge police report

You will have hard time to do OD-KFK if the outcome is RTM/RTI

My suggestion is to write letter to designated police station

Only if they fail to respond, then you CC copy to Bukit Aman HQ

Good luck

This post has been edited by loui: Nov 22 2017, 11:55 AM
Axell
post Nov 22 2017, 04:46 PM

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QUOTE(KCKL @ Nov 22 2017, 10:42 AM)
Checked with insurance company already. Police finding ie investigation result is a mandatory document in order for me to claim back my NCB. That's why I am consulting all experts here for your view and suggestion. How can I expedite the investigation by the sargeant, any whether there is any timeline for the investigation result.
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If I not mistaken, they have timeline as well. After certain period, you can purchase the investigation result from the IPD itself. But my case last time is at Balai Polis Trafik KL.
IReallyNeed Answers
post Nov 24 2017, 06:06 PM

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Hi,

Asking on behalf of a family member,

The car was hit from behind by another car,

Police report made,

It is then passed to a runner to help us out,

Just wondering, when we claim the other person insurance in our situation, that’s considered as tppd right?

Now, the damage is quite bad and needs quite some time, how do we initiate loss of use claim?

Can any sifu help

loui

This post has been edited by IReallyNeed Answers: Nov 24 2017, 06:18 PM
TSloui
post Nov 27 2017, 08:48 AM

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QUOTE(IReallyNeed Answers @ Nov 24 2017, 06:06 PM)
Hi,

Asking on behalf of a family member,

The car was hit from behind by another car,

Police report made,

It is then passed to a runner to help us out,

Just wondering, when we claim the other person insurance in our situation, that’s considered as tppd right?

Now, the damage is quite bad and needs quite some time, how do we initiate loss of use claim?

Can any sifu help

loui
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TPPD claim if both vehicles are not of comprehensive private car policy

OD-KFK claim if both are

OD-KFK claim is much faster and easier then TPPD

refer this post for LOU

https://forum.lowyat.net/topic/3365413

KCKL
post Nov 27 2017, 07:37 PM

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QUOTE(loui @ Nov 22 2017, 11:49 AM)
yup, bukit aman HQ

but there is a chance it might backfire

Investigation Officer is allowed to RTM/RTI(Refer to Insurance/Magistrate) the investigation if one party fail to lodge police report

You will have hard time to do OD-KFK if the outcome is RTM/RTI

My suggestion is to write letter to designated police station

Only if they fail to respond, then you CC copy to Bukit Aman HQ

Good luck
*
Thanks a lot for your advice. Will do so. Hope to receive the investigation result in my favour soon.
KCKL
post Nov 27 2017, 07:40 PM

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QUOTE(Axell @ Nov 22 2017, 04:46 PM)
If I not mistaken, they have timeline as well. After certain period, you can purchase the investigation result from the IPD itself. But my case last time is at Balai Polis Trafik KL.
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I tried to search for the timeline but couldn't find anywhere. If there is any, at least I can use it to push the sergeant. My case is also reported to the Balai Polis Traffic KL. How long have you waited for your case? Mine is almost 2 months 😫😫😫

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