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What to do in an accident in Malaysia, Everything about m/vehicle insurance
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 Dec 28 2017, 10:15 AM
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Group: Senior Member
Posts: 6,663 Joined: May 2009 
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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... 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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Dec 28 2017, 03:16 PM
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Group: Junior Member
Posts: 54 Joined: Feb 2015 
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QUOTE(MeToo @ Dec 28 2017, 10:15 AM) Huh? So much? yes bro, it was the major part of front bumper..although inner doesnt have any affect..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%... may i know how long does it takes from submitting the claim until replace/repair done? |
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Dec 28 2017, 03:42 PM
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Group: Senior Member
Posts: 6,663 Joined: May 2009
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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.. Depends.may i know how long does it takes from submitting the claim until replace/repair done? 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 |
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Jan 1 2018, 09:17 PM
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Group: Junior Member
Posts: 54 Joined: Feb 2015
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QUOTE(MeToo @ Dec 28 2017, 03:42 PM) Depends. buddy, would you mind to share abit more? What insurance co is thatMy 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 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. |
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Jan 1 2018, 09:46 PM
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Group: Junior Member
Posts: 131 Joined: May 2013
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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? |
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Jan 2 2018, 08:51 AM
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Group: Junior Member
Posts: 416 Joined: Mar 2005 From: Seri Kembangan / Kota Bharu
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QUOTE(Alert_RaZO @ Jan 1 2018, 09:46 PM) loui 1. best check your insurance policy. but standard insurance policy does cover both semanjung + sabah/sarawakOmg.. 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? 2. JPJ side not sure mind show me the news of the car being sita? |
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Jan 2 2018, 09:25 AM
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Group: Junior Member
Posts: 131 Joined: Aug 2009
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QUOTE(Alert_RaZO @ Jan 1 2018, 09:46 PM) loui Insurance no problem.only road tax different.sabah and Sarawak road tax is cheaper than semenanjung.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? |
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Jan 2 2018, 10:16 AM
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Group: Senior Member
Posts: 6,663 Joined: May 2009
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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 Hmm... I always used Allianz (except recently 1 of my cars tried AiG cause they give a cheaper rate).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. 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. |
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Jan 2 2018, 04:58 PM
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Group: Junior Member
Posts: 131 Joined: May 2013
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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 https://www.hmetro.com.my/utama/2018/01/298...uk-aliff-syukri2. JPJ side not sure mind show me the news of the car being sita? |
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Jan 2 2018, 05:14 PM
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Group: Junior Member
Posts: 416 Joined: Mar 2005 From: Seri Kembangan / Kota Bharu
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QUOTE(Alert_RaZO @ Jan 2 2018, 04:58 PM) sita mainly due to road tax issuenothing to do with insurance policy |
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Jan 4 2018, 10:57 AM
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Group: Junior Member
Posts: 6 Joined: Mar 2014
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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? |
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Jan 4 2018, 11:34 AM
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Group: Junior Member
Posts: 416 Joined: Mar 2005 From: Seri Kembangan / Kota Bharu
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QUOTE(prof.layton @ Jan 4 2018, 10:57 AM) guys. can someone help me clarify this. pretty much that is your only choicemy 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? 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 |
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Jan 4 2018, 11:49 AM
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Group: Senior Member
Posts: 6,663 Joined: May 2009
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QUOTE(loui @ Jan 4 2018, 11:34 AM) pretty much that is your only choice This is what is ridiculous with Malaysian law.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 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... |
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Jan 4 2018, 12:12 PM
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Group: Junior Member
Posts: 6 Joined: Mar 2014
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QUOTE(loui @ Jan 4 2018, 11:34 AM) pretty much that is your only choice damn this is what i was afraid of. thanks anyway. i dont think that other party has the capability to pay also.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 |
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Jan 4 2018, 12:20 PM
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Group: Junior Member
Posts: 131 Joined: Aug 2009
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QUOTE(loui @ Jan 4 2018, 11:34 AM) pretty much that is your only choice Can sue that guy...but the cost could be highOD-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 |
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Jan 4 2018, 12:22 PM
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Group: Senior Member
Posts: 6,663 Joined: May 2009
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QUOTE(croco_2002 @ Jan 4 2018, 12:20 PM) Can sue that guy...but the cost could be high If that loser cant afford to pay, you will incur more cost in the form of time wasted/legal fees. |
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Jan 4 2018, 01:55 PM
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Group: Junior Member
Posts: 38 Joined: Mar 2017
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So that guy just got away scot free because no insurance?
It is so unfair to TS |
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Jan 4 2018, 02:31 PM
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Group: Junior Member
Posts: 6 Joined: Mar 2014
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QUOTE(Ron2828 @ Jan 4 2018, 01:55 PM) So that guy just got away scot free because no insurance? that is what i'm currently feeling too. i lost a car and my ncd for nothing.It is so unfair to TS |
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Jan 4 2018, 02:47 PM
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Group: Senior Member
Posts: 6,663 Joined: May 2009
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QUOTE(Ron2828 @ Jan 4 2018, 01:55 PM) So that guy just got away scot free because no insurance? The cops/jpj suppose to take action... but... u know la these things they "dont have time"It is so unfair to TS |
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Jan 4 2018, 02:58 PM
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Group: Junior Member
Posts: 416 Joined: Mar 2005 From: Seri Kembangan / Kota Bharu
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QUOTE(Ron2828 @ Jan 4 2018, 01:55 PM) So that guy just got away scot free because no insurance? he got compound for no road tax + no insurance + hitting from behindIt is so unfair to TS most likely RM300 x 3 = RM900 |
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