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