1. Not so easy for insurance company to deny liability due to riot. You need to have the said incident declared as riot by AG chambers. Remember the Hindu temple riot case which result in death of a fireman? There are few cars for damaged in between and insurance companies base on police statement, attempt to resist the claim on ground of riot. But government and AG chamber refuse to declare as riot and insurance companies end up paying

2. Need to read the policy as a whole. If riot is establish, it applies to whole policy plus any add on

3. Refer to no.1

Claim for repair?

If so, keep pushing sarjan to conclude the investigation outcome

Once confirm driver at fault, the claim process will be quite straight forward

Thank you so much for your explanation. Very much appreciated.

Hi everyone, really appreciate it if someone could provide a bit of advice or help.

So I was in a minor car accident a couple days ago, the other driver and I have both made a report at the police station. After the report, the police referred me to another guy in front of the KL traffic police station to get pics of my car taken and the guy offered to help me handle the repair and whatnot. Being confused and all, I let him take the report document needed to proceed with the next step of the procedure (the paper with the checklist of things I need to do). Following day I texted the same guy and told him I appreciate his help but will do the repair and all myself and asked to get the document back. The guy replied with a voice message (sounding kinda drunk?) telling me I'll have to go get it back from Perak, and being just really rude.

Question: Should I just tell the police that I'd lost the paper or try to get it back from the rude guy? Any other suggestions are much appreciated. Thanks

Did you sign any documents?

Anyways, you can always buy the documents at the counter

My fren accidentally bang divider, side of car kemek and scratch and no other vehicle involve. How to get insurance to pay for damages? is it like the steps below:
1. make polis repot
2. then call insurance?
3. then send service center?

NCB is very little as is new driver. Tq for your advice

There’s a pin threat on what to do in accidents in serious kopitiam sub. You can also ask question there, someone will reply

Straight forward case.

Report to police
Pay rm300 ( can try appeal for half discout)
Pay for police report n give to service centre ir trusted reffered workshop

Don't forget to snap photo of the accident place as an evidence

Pass the documents and photo to the 4S service center or workshop to file in a claim with the insurance subject to approval

Just curious, what will be the offence? Cuai semasa memandu?

Hi guys, just yesterday got into an accident.
Got rear banged by another car on highway.

Now awaiting police results ( 2 weeks)

In the mean time, went to workshop to evaluate and proceed to claim insurance.
But was told I have to pay RM400 cause I’m a P license holder.

My question is, is this true? I’m not claiming MY insurance.
I’m claiming the person that bang me ( third party claim)
Please assist thanks.

I assume you are making OD KFK claim

If direct TPPD claim, you don't have to pay the penalty

No worries, ask your insurer to provide receipt for the penalty

Then go ahead and do TP LOU claims against the TP insurer. You will be able to claim for the penalty amount plus loss of use amount

Ask your workshop to assist you. It is a common practice

They will know how to do it

If A parked illegally on the road and got scratch by B when B passing, assume B didn't make police report, will A able to claim B insurance?

If you manage to convince sarjan to saman B then can

Saman B for reckless driving, not failure to lodge police report

B's insurance will still cover the cost even they know A parked the car illegally if B has car cam as evidence?

TPPD is quite straight forward

They will allow it base on police investigation outcome

If A didn't make report in 24 hours then B is safe?
Previously few cases heard from diff Sarjan that they can't proceed if one side didn't make report, wonder if that's true

They will send letter to B to come to police station to confirm involvement

If B refuse to come and you push hard enough, police will still issue saman to B

Thanks, will updates again if there's any latest news from B

Btw recall that there's a case where the lorry rams through all the cars parked somewhere at putrajaya road side, wonder how's the case goes as officer said no compensation can be made since the car parked illegally first

This post has been edited by apalexar: Nov 2 2022, 08:31 AM

May I know which insurer is the most easy to deal with during a claim?