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

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TSloui
post Jul 5 2020, 01:07 PM

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QUOTE(mushigen @ Jul 5 2020, 09:53 AM)
This is regarding the "open file for possible future claims".
Say the 3rd party has filed injury claim. My ncd drops to zero.

Q1. Is 3rd party allowed to file another new claim within 6 years, since some symptoms only manifest later?

Answer : they can only claim once. lets say on 1/1/20, they manage to claim RM20K. On 2/1/20, his symptom get worst, he got bound by the 20K and cannot make further claim

Q2: when will my ncd start to build up again, if it's yes to Q1?

Answer : Start built on the following year. Example 2020 accident. 2021 nil NCD. 2022 start accumulate

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ZOOMI P
post Jul 5 2020, 02:18 PM

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QUOTE(loui @ Jul 3 2020, 01:07 PM)
Can claim for third party property damage claim

Call the insurance company of the car to find out how

Basically you need to get a quotation from a contractor to substantiate your claim
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Glad to hear that this is claimable! Will check with the insurance company. Thank you so much for sharing your knowledge with us notworthy.gif
Snoopie
post Jul 11 2020, 11:58 PM

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i'm not happy with the police decision. After explaining to him, he told me is still my fault. Is the police always the final decision saying?

Situation: A car knock into my car 30sec later after I cut into the lane. The best part is the driver steer to the right to knock my car making it look that I am at fault.

I'm pissed.
TSloui
post Jul 12 2020, 09:22 AM

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QUOTE(Snoopie @ Jul 11 2020, 11:58 PM)
i'm not happy with the police decision. After explaining to him, he told me is still my fault. Is the police always the final decision saying?

Situation: A car knock into my car 30sec later after I cut into the lane. The best part is the driver steer to the right to knock my car making it look that I am at fault.

I'm pissed.
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don't pay the fine

wait for it to call up to magistrate court

explain yourself infront of the magistrate
Snoopie
post Jul 13 2020, 09:23 AM

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QUOTE(loui @ Jul 12 2020, 09:22 AM)
don't pay the fine

wait for it to call up to magistrate court

explain yourself infront of the magistrate
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Yes, I told the police that I'm not happy with your decision and will take this to court if needed.

Now the person who knock my car want to use the police report to claim my insurance. Is his words against my words, and yet the police trust him. Someone from behind knock my car and end up being my fault.

Will my insurance solely base from the police's decision? I'm contacting my insurance, but not sure what are the procedure to dispute this.
jayjaybird P
post Jul 16 2020, 02:13 AM

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Hi, recently i got into an accident. Both parties made police report on the day itself (12 JULY). But Sarjan said 17 July only take salinan repot polis. May i know if it usually take this long? Because now become both our cars unable to start repair without the salinan repot polis.zz
peja5081
post Jul 22 2020, 11:14 AM

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QUOTE(jayjaybird @ Jul 16 2020, 02:13 AM)
Hi, recently i got into an accident. Both parties made police report on the day itself (12 JULY). But Sarjan said 17 July only take salinan repot polis. May i know if it usually take this long? Because now become both our cars unable to start repair without the salinan repot polis.zz
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Yes.normal la one week
If your insurance comprehensive you can send workshop and repair..letter provide police report

This post has been edited by peja5081: Jul 22 2020, 11:15 AM
peja5081
post Jul 22 2020, 11:25 AM

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QUOTE(loui @ Jun 9 2020, 08:44 PM)
Yes

This is due to bank negara (Insurance govern by bank negara) regulation that if there is a potential injury claim, insurance must open a standby file

Once file is open, NCD will gone

Different company has different way of tackling this, if you persistent enough and insist your NCD back, you might get it back with certain condition

Btw, you can PM me your insurance company. If it fall under mine, will guide you
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After 3 month long battle with insurance at last they reinstated back my ncd even after they open standby file. As long as no injury claim make by motorcycle

To your guys that have been bang by motorcycle and not your fault you can claim your insurance 1st and ask your insurance change to tppd(claim from motorcycle insurance) and pressure them to reinstate ncd back. My adjuster meet me and lucky i ask him about this..at 1st i want give up and accept ncd lost than my adjuster advice me to call my insurance and ask them to claim back from motorcycle insurance and reinstate back ncd.i did shot them at fb before they call me back and promise to give my ncd. You can also claim loss of use from motorcycle insurance
Snoopie
post Aug 12 2020, 08:43 AM

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Do anyone know how can I dispute my police saman to court, like what are the procedures?

My insurance (Zurich) is not being helpful at all, hope LYNers can help me here.
TSloui
post Aug 12 2020, 09:15 AM

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QUOTE(Snoopie @ Aug 12 2020, 08:43 AM)
Do anyone know how can I dispute my police saman to court, like what are the procedures?

My insurance (Zurich) is not being helpful at all, hope LYNers can help me here.
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Don't pay the saman

Once you fail to pay within certain period, court will issue subpoena to you to attend hearing to explain yourself

Go to court and explain yourself to Magistrates (lower court judge) with necessary evidence (dash cam, witness, photos...)

Be humble and polite and pray that Magistrates buy your explaination


Snoopie
post Aug 12 2020, 08:51 PM

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QUOTE(loui @ Aug 12 2020, 09:15 AM)
Don't pay the saman

Once you fail to pay within certain period, court will issue subpoena to you to attend hearing to explain yourself

Go to court and explain yourself to Magistrates (lower court judge) with necessary evidence (dash cam, witness, photos...)

Be humble and polite and pray that Magistrates buy your explaination
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Really appreciate for guiding / replying me. Do you know how long I need to wait until court will issue subpoena to attend hearing?

Unfortunately I don’t have evidence (dashcam), the photo also is just the damage part. In the police statement it is between my words against the 3rd party, and the police side the 3rd party story.

Also want to ask, my wife is in the car with me. Can my wife be my witness or usually is just me to explain myself to the judge? Thanks!
TSloui
post Aug 12 2020, 10:06 PM

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QUOTE(Snoopie @ Aug 12 2020, 08:51 PM)
Really appreciate for guiding / replying me. Do you know how long I need to wait until court will issue subpoena to attend hearing?

Unfortunately I don’t have evidence (dashcam), the photo also is just the damage part. In the police statement it is between my words against the 3rd party, and the police side the 3rd party story.

Also want to ask, my wife is in the car with me. Can my wife be my witness or usually is just me to explain myself to the judge? Thanks!
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It depends on the magistrates availability

Due to MCO, a lot of cases got pile up

Those traffic case is consider least important and will only go on at last in queue

You can ask your wife to standby as witness

Again, it depend on magistrates. Some willing to let you and witness explain, some already decide even before you come to court

Just wear decently and present your case politely and let the magistrate know that you merely want to explain your case and will accept magistrates decision full hearted no matter

Good luck


TRAZE99
post Aug 12 2020, 10:13 PM

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QUOTE(Snoopie @ Aug 12 2020, 08:51 PM)
Really appreciate for guiding / replying me. Do you know how long I need to wait until court will issue subpoena to attend hearing?

Unfortunately I don’t have evidence (dashcam), the photo also is just the damage part. In the police statement it is between my words against the 3rd party, and the police side the 3rd party story.

Also want to ask, my wife is in the car with me. Can my wife be my witness or usually is just me to explain myself to the judge? Thanks!
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next time pasang a dashcam.....if your words against him .....expected the worst.
Snoopie
post Aug 13 2020, 12:51 PM

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QUOTE(loui @ Aug 12 2020, 10:06 PM)
It depends on the magistrates availability

Due to MCO, a lot of cases got pile up

Those traffic case is consider least important and will only go on at last in queue

You can ask your wife to standby as witness

Again, it depend on magistrates. Some willing to let you and witness explain, some already decide even before you come to court

Just wear decently and present your case politely and let the magistrate know that you merely want to explain your case and will accept magistrates decision full hearted no matter

Good luck
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Thanks for the advise, it’s been really helpful of you.

QUOTE(TRAZE99 @ Aug 12 2020, 10:13 PM)
next time pasang a dashcam.....if your words against him .....expected the worst.
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The 3rd party car hit my behind and there no rear dashcam. Somehow the story turns up I cut on his lane instead and cause him not able to break in time and bang my car. The report turns out that the police conclude is my fault and tell me if I’m not happy go court then.

king99
post Aug 28 2020, 04:33 AM

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In a case of accident, can I keep quiet and only say something when police arrived or we go to police station ?

Like if the person who bang me and he/she is in the wrong say do I have dash cam, I just keep quiet and say will answer when police arrive / or we are in the station.

This post has been edited by king99: Aug 28 2020, 04:34 AM
TSloui
post Aug 28 2020, 11:33 AM

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QUOTE(king99 @ Aug 28 2020, 04:33 AM)
In a case of accident, can I keep quiet and only say something when police arrived or we go to police station ?

Like if the person who bang me and he/she is in the wrong say do I have dash cam, I just keep quiet and say will answer when police arrive / or we are in the station.
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Only proper interview given to police will consider as evidence

You can see during proper interview, police will hold a small notebook at scribble on it

So be mindful cause whatever he scribble during interview, will be use against or benefits you


piscesguy
post Aug 29 2020, 02:42 PM

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Yesterday a guy hit my car from behind, as far as I know he is at fault.

both of us did report police yesterday.

can I send my car to service centre and repair my car without the salinan police report if I decided to use my own money to fix it?

I don't want to claim insurance considering just need to replace the rear bumper and realign one of the rear light.
TSloui
post Aug 29 2020, 04:29 PM

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QUOTE(piscesguy @ Aug 29 2020, 02:42 PM)
Yesterday a guy hit my car from behind, as far as I know he is at fault.

both of us did report police yesterday.

can I send my car to service centre and repair my car without the salinan police report if I decided to use my own money to fix it? 

I don't want to claim insurance considering just need to replace the rear bumper and realign one of the rear light.
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Yes

Don't need the report if you are paying out of your pocket
piscesguy
post Aug 29 2020, 04:42 PM

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QUOTE(loui @ Aug 29 2020, 04:29 PM)
Yes

Don't need the report if you are paying out of your pocket
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Thanks.

Another thing,

do I need to inform my insurance company about the accident if I don't claim from them?
Emimarson
post Aug 29 2020, 04:45 PM

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Is there a period to claim insurance after done report everything?

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