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

MeToo
post Dec 28 2017, 10:15 AM

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QUOTE(High-Speed @ Dec 28 2017, 07:37 AM)
hi.. i think more than rm5,000 on the bumper and fender..NCD is just 25% from 3k...
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Huh? So much?

My mom changed bumper once for the new City.. 1~1.5k all in I think.

Also NCD dont assume its only 25%, there is a trickle down effect... you have to do a 5 yr calculation...

Like my wife car if she loses the NCD, it will cost her about 10k+ all in before getting back to the 55%...
High-Speed
post Dec 28 2017, 03:16 PM

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QUOTE(MeToo @ Dec 28 2017, 10:15 AM)
Huh? So much?

My mom changed bumper once for the new City.. 1~1.5k all in I think.

Also NCD dont assume its only 25%, there is a trickle down effect... you have to do a 5 yr calculation...

Like my wife car if she loses the NCD, it will cost her about 10k+ all in before getting back to the 55%...
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yes bro, it was the major part of front bumper..although inner doesnt have any affect..
may i know how long does it takes from submitting the claim until replace/repair done?
MeToo
post Dec 28 2017, 03:42 PM

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QUOTE(High-Speed @ Dec 28 2017, 03:16 PM)
yes bro, it was the major part of front bumper..although inner doesnt have any affect..
may i know how long does it takes from submitting the claim until replace/repair done?
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Depends.

My last experiencce was 1 week car go in and car come out. (but not honda)

Replace bumper, headlight, etc etc... total claim just below 10k

This post has been edited by MeToo: Dec 28 2017, 03:42 PM
High-Speed
post Jan 1 2018, 09:17 PM

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QUOTE(MeToo @ Dec 28 2017, 03:42 PM)
Depends.

My last experiencce was 1 week car go in and car come out. (but not honda)

Replace bumper, headlight, etc etc... total claim just below 10k
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buddy, would you mind to share abit more? What insurance co is that
and how can you proceed it that fast. As honda bp told me it might takes 1 month!! 2 days to submit estimates, 5 - 7 days for insurance co (zurich) for approval, and another 5 days to replace the bumpers and headlight.
Alert_RaZO
post Jan 1 2018, 09:46 PM

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loui
Omg.. i just read the news about the dato car got sita becoz roadtax and insurance from sarawak but use in semananjung.

1) How to know when buying car insurance is insured in semanjung or sabah/sarawak?

Another thing about the transfer ownership.
Car is in semanjung want to ship back to Sabah. My father want to transfer the title to me.
JPJ in sabah said need go thru semananjung puspakom and sabah puspakom. 2 times checking?




loui
post Jan 2 2018, 08:51 AM

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QUOTE(Alert_RaZO @ Jan 1 2018, 09:46 PM)
loui
Omg.. i just read the news about the dato car got sita becoz roadtax and insurance from sarawak but use in semananjung.

1) How to know when buying car insurance is insured in semanjung or sabah/sarawak?

Another thing about the transfer ownership.
Car is in semanjung want to ship back to Sabah. My father want to transfer the title to me.
JPJ in sabah said need go thru semananjung puspakom and sabah puspakom. 2 times checking?
*
1. best check your insurance policy. but standard insurance policy does cover both semanjung + sabah/sarawak

2. JPJ side not sure

mind show me the news of the car being sita?
croco_2002
post Jan 2 2018, 09:25 AM

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QUOTE(Alert_RaZO @ Jan 1 2018, 09:46 PM)
loui
Omg.. i just read the news about the dato car got sita becoz roadtax and insurance from sarawak but use in semananjung.

1) How to know when buying car insurance is insured in semanjung or sabah/sarawak?

Another thing about the transfer ownership.
Car is in semanjung want to ship back to Sabah. My father want to transfer the title to me.
JPJ in sabah said need go thru semananjung puspakom and sabah puspakom. 2 times checking?
*
Insurance no problem.only road tax different.sabah and Sarawak road tax is cheaper than semenanjung.
MeToo
post Jan 2 2018, 10:16 AM

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QUOTE(High-Speed @ Jan 1 2018, 09:17 PM)
buddy, would you mind to share abit more? What insurance co is that
and how can you proceed it that fast. As honda bp told me it might takes 1 month!! 2 days to submit estimates, 5 - 7 days for insurance co (zurich) for approval, and another 5 days to replace the bumpers and headlight.
*
Hmm... I always used Allianz (except recently 1 of my cars tried AiG cause they give a cheaper rate).

Allianz have (not sure still) a system where you do online claim for anythign below $10,000 hence they dont need an adjuster to see the car etc, this saved a LOT of time.
Alert_RaZO
post Jan 2 2018, 04:58 PM

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QUOTE(loui @ Jan 2 2018, 08:51 AM)
1. best check your insurance policy. but standard insurance policy does cover both semanjung + sabah/sarawak

2. JPJ side not sure

mind show me the news of the car being sita?
*
https://www.hmetro.com.my/utama/2018/01/298...uk-aliff-syukri


loui
post Jan 2 2018, 05:14 PM

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QUOTE(Alert_RaZO @ Jan 2 2018, 04:58 PM)
sita mainly due to road tax issue

nothing to do with insurance policy
prof.layton
post Jan 4 2018, 10:57 AM

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guys. can someone help me clarify this.

my car was rammed from the back by another car, which workshop says my car a total loss. i want to claim OD-KFK but the car that rammed me has an expired insurance so workshop says i have to claim from my insurance, which will affect NCD. what options do i have now?
loui
post Jan 4 2018, 11:34 AM

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QUOTE(prof.layton @ Jan 4 2018, 10:57 AM)
guys. can someone help me clarify this.

my car was rammed from the back by another car, which workshop says my car a total loss. i want to claim OD-KFK but the car that rammed me has an expired insurance so  workshop says i have to claim from my insurance, which will affect NCD. what options do i have now?
*
pretty much that is your only choice

OD-KFK can only be done if the other party is a m/car with comprehensive policy

the only choice to avoid losing NCD is TPPD

but it involve adjuster evaluation, lawyer, court process, and no guarantee the other party is financially capable to pay the court judgement
MeToo
post Jan 4 2018, 11:49 AM

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QUOTE(loui @ Jan 4 2018, 11:34 AM)
pretty much that is your only choice

OD-KFK can only be done if the other party is a m/car with comprehensive policy

the only choice to avoid losing NCD is TPPD

but it involve adjuster evaluation, lawyer, court process, and no guarantee the other party is financially capable to pay the court judgement
*
This is what is ridiculous with Malaysian law.

Last time my fren's car got knock into by a Volvo with no insurance no roadtax... luck the guy paid my fren 2k to settle...
prof.layton
post Jan 4 2018, 12:12 PM

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QUOTE(loui @ Jan 4 2018, 11:34 AM)
pretty much that is your only choice

OD-KFK can only be done if the other party is a m/car with comprehensive policy

the only choice to avoid losing NCD is TPPD

but it involve adjuster evaluation, lawyer, court process, and no guarantee the other party is financially capable to pay the court judgement
*
damn this is what i was afraid of. thanks anyway. i dont think that other party has the capability to pay also.
croco_2002
post Jan 4 2018, 12:20 PM

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QUOTE(loui @ Jan 4 2018, 11:34 AM)
pretty much that is your only choice

OD-KFK can only be done if the other party is a m/car with comprehensive policy

the only choice to avoid losing NCD is TPPD

but it involve adjuster evaluation, lawyer, court process, and no guarantee the other party is financially capable to pay the court judgement
*
Can sue that guy...but the cost could be high
MeToo
post Jan 4 2018, 12:22 PM

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QUOTE(croco_2002 @ Jan 4 2018, 12:20 PM)
Can sue that guy...but the cost could be high
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If that loser cant afford to pay, you will incur more cost in the form of time wasted/legal fees.
Ron2828
post Jan 4 2018, 01:55 PM

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So that guy just got away scot free because no insurance?

It is so unfair to TS
prof.layton
post Jan 4 2018, 02:31 PM

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QUOTE(Ron2828 @ Jan 4 2018, 01:55 PM)
So that guy just got away scot free because no insurance?

It is so unfair to TS
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that is what i'm currently feeling too. i lost a car and my ncd for nothing.
MeToo
post Jan 4 2018, 02:47 PM

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QUOTE(Ron2828 @ Jan 4 2018, 01:55 PM)
So that guy just got away scot free because no insurance?

It is so unfair to TS
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The cops/jpj suppose to take action... but... u know la these things they "dont have time"
loui
post Jan 4 2018, 02:58 PM

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QUOTE(Ron2828 @ Jan 4 2018, 01:55 PM)
So that guy just got away scot free because no insurance?

It is so unfair to TS
*
he got compound for no road tax + no insurance + hitting from behind

most likely RM300 x 3 = RM900

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