Details Desciption in How Insurance & Claims Works - Can be Download in PDF Format

I have seen many people posted accident related questions. Will try to compile and help out. Any questions will be answer in the 1st post. Won't guarantee 100% accuracy but I will try to answer as correct as I know. Please tag my name with your question in case I miss out

Claim claims guide from insurance company
MSIG
MCIS Zurich
Am General
Allianz
Etiqa
Pacific & Orient
Axa Affin
AIG
Tokio Marine
Berjaya Sompo
Kurnia/Am General
Lonpac
MPI Generali
Persatuan Insurans Am Malaysia


Q : What happen when I involve in an accident?
A : Don't move your vehicle first, get down, take photo from all angles, make sure all the silent evidences (debris, brake mark, blood stain...) that support your version are clearly taken and most important, vehicle plate number can be easily seen in the photos.

Q : What's next
A : Call the police if the accident is serious and wait for police to arrive to scene. If is minor accident, just proceed to the nearest police station

Q : There is a tow truck guy approach me to help out and ask me to sign a letter. Should I allow him to tow & sign the letter?
A : Insurance company offered free towing service usually within 40KM distance. Ask tow truck guy nicely(most of them are thugs), whether they are insurance appointed tow truck company. If no, refuse their service and don't sign any document. Call your insurance hotline and ask for a towing service. However some insurance company does cover up to RM200 transportation fees.

Q : I am not happy with the way tow truck guy force me into signing the agreement, using them and charged me expensively. What can I do?
A : AAM disband. There are no legally recognized towing association to monitor towing business. Hence it is important to always request towing services via your insurer event if you bought third party policy. The rate is pretty much agreed upon and is stated in the motor policy. (update in 2025)



Q : What if both of us decided not to claim insurance, should we still lodge police report
A : On safe side, I still advise you to lodge police report, as you never knew what is on other's mind. They might change their mind and report later and you will be slap with RM300 compound for lodging police report late. Just in case, lodge police report with detail description of the vehicle but left out the vehicle number. For example, "saya terlanggar sebuah m/kereta no tidak diketahui, jenis Proton Saga berwarna putih". This is to avoid other hit & run case that happen on the same day to blame on you.

Q : What if I give him some money as compensation, can he still claim against my insurance
A : Yes. Hence don't bother to pay any cash compensation as the other party can still claim against your insurance.

Q : Should I pay the police compound/saman despite the other side is at fault
A : It is up to your discretion. However to challenge a compound/saman, you need to attend to court to explain yourself, which some find it tedious. Many didn't realized that in your insurance policy, insurance company will pay legal costs incurred up to a maximum of RM2,000.00 for defense of any charge including the charge of causing death by driving the Motor Vehicle(other than murder). If your accident has resulted in many casualties and injuries, just rang up or send a letter to the insurance company, they are more then willing to engage lawyer to defend you for free as your compound/saman will greatly affect them if the other parties are claiming.

Q : I knock into object (tree, divider, lamp post). Can I claim under OD? Do I need make a police report?
A : Depends on insurance company. Most of them required police reports. But some don't if the repair amount does not exceed certain limit. Best is to call your insurer to confirm (update on 2025)

Q : What if the object's owner sue me for the damage of the said object?
A : You need to lodge police then, forward a copy of notice of claim served to you to your insurance company and let them handle on behalf. You insurance company will pay on your behalf.

Q : How to make a claim
A : There are mainly 4 types of claim. Own Damage Claim (OD), Own Damage Knock for Knock (OD-KFK), Third Party Property Damage Claim (TPPD) & Third Party Bodily Injury Claim (TPBI). Will not go further since someone did explain further in the other thread

Q : How to make an OD(vehicle repair) claim
A : You can do it only if you bought comprehensive policy. Sent your car to a panel workshop. You can check from them by demanding appointment letter from the insurance company or just call up the hotline to confirm so. Never send your vehicle to non panel workshop as you will have difficulties to claim and end up incurred cost for transferring to another panel workshop. From there, the workshop will settle it for you.

Q :Insurance company refuse to pay my OD claim
A : Under insurance policy, insurance company is entitle to deny you claim if
1. drunk
2. under drug influence
3. involve in illegal activities (ie. rempit) or motor sport competition (ie. rally)
4. war, act of terror & riot
5. natural cause (ie. flood, earthquake, landslide...)
6. no license

Q : I was told to pay compound for RM400 before they allow my OD claim
A : Insurance policy has clause which stated that if the driver is below 21 years old or holding license L/P or is not named in schedule, they will have to pay RM400. Something like saman for allowing incompetent driver to drive the car.

Q : What do you mean for allowing driver not named in schedule to drive
A : While buying insurance, the policy will have column to put names of people who regularly use the vehicle. Each name cost around RM10. If you did not register the name in the policy, you are deemed to be "not named in schedule".

Q : I was told that I can't claim against a m/cycle and public transport. Is it true?
A : False, you can't claim against m/cycle and public transport through OD-KFK procedure but you can still go ahead to initiate a TPPD claim.



Q : Can I initiate TPPD claim personally
A : Yes. Refer to this sample letter and attached all relevent documents and send it to insured company of third party vehicle.

Q : I went on to initiate TPPD claim against the public transport as per your advise but why my claim is rejected?
A : First of all, call the claim assessor to find out the reason. In many circumstances, lay man like us will ask the workshop to do for us. Note that workshop staff is also lay man like you. They might proceed to initiate the claim via OD-KFK method instead of TPPD. Insurance company has no right to reject your TPPD claim unless both of you are disputing on the fact of the case. Note that if once you have commence OD claim against your own insurance, you have deem give up the right to claim against another vehicle.

Q : Can I claim through OD-KFK if the third party fail to lodge police report.
A : Yes. Apart from normal documents like police report and Police Investigation Result(must show third party compounded for traffic offences), you need to sign statutory declaration(SD) to affirm how the accident occurred. SD can be done through commissioner of oath.

Q : How do I know whether I am entitle to OD-KFK claim?
A : Different insurance companies have different methods but there is a standard requirement for it. 1st, both you and the other vehicles hold comprehensive private car policies. 2nd, police has clearly find the other parties at fault and has compounded him. Just make sure when you send your car to workshop, tell them precisely that you want to do an OD-KFK claim. Workshop staff will guide you through since it is quite common practice.

Q : Will I be compensate for the period which my vehicle is in midst of repairing
A: You can do it provided you claim through TPPD method. It is term as "loss of use". Amount is base on the type of vehicles & engine capacity. Note that period of compensation starts from the day the insurance company's appointed adjuster confirm the damage till the day of the vehicle has been fully repair.

(Update in 2025)


Q : I am not satisfied with the offer for "loss of use". What can I do?
A : The amount & duration stated above are merely a guideline from PIAM. Hence it is no legally binding to insured/you. To enable you to claim more, you have to rent a car from a registered car rental company. Only receipt from registered car rental company will be entertain. Or alternatively, if you have file your case in court, get your lawyer to argue for you. Sometimes judge might allowed if you managed to convince him.

Q : How to make an injury claim
A : You can only make an injury claim against the other vehicle that knock into you. You can either do it personally or get a lawyer to do for you.

Q : What is the different between getting a lawyer and do it personally
A : If you get a lawyer to do for you, they will take a cut from your claim. Market rate is around 30%. If you win, they take their cut. If you lose, you don't have to pay anything to them. The good part in getting a lawyer is that they will handle from A to Z and they will try to get as much as possible since they know roughly how much you can get.

Q : How much can I get for my injury
A : In injury claim, 2 things determine the claim amount. The type of injury itself and liability. You can download the compendium for personal awards here.

Q : What is liability
A : Liability simply mean who is wrong/right. In accident case, liability affect the claim. Let's say you are 30% wrong and the other vehicle is 70%. For a claim worth RM10,000, you will get 70% (RM7,000). Hence the more you can proof that the other party is at fault, the more you get. That goes back to the 1st Q&A where taking photos after the accident is essential as to proof that fault is on other side.

Q : What if I am totally at fault
A : You simply don't get anything if you are at fault however insurance company will offer you ex-gratia (saguhati) offer to avoid dragging the matter and incurred cost engaging lawyer.

Q : Do you have sample letter on how to claim personally?
A : Sample (required documents are stated in the sample letter)

Q : What if the other vehicle don't have insurance?
A : You can still claim but against the driver personally. But you will have tough time to get money from him if he is poor. However if the vehicle is belongs to a company, by all means, get a judgement in court and demand him to pay, failing which, wind up his company. As for the unlucky one, government has set up "MOTOR INSURERS BUREAU MALAYSIA" to allow victim to get some ex-gratia compensation if the other vehicle does not possess valid insurance coverage. The downside is, they will only pay nominal sum. For example, a RM10,000 claim, they will pay you RM1,000 ~ RM2,000 (depend on your negotiation skill). Still it is better then nothing. Address as below.

MOTOR INSURERS BUREAU MALAYSIA
3RD FLOOR, WISMA PIAM
150 JALAN TUN SAMBANTHAN
50470 KUALA LUMPUR
MALAYSIA

Q : Lawyer offer me friendly cash loan, saying that they will deduct from the money I win. Should I take it?
A : I would suggest not to unless you are in financial difficulties. Mainly 2 reasons. 1st, they charge registered money lending company@ah long rate interest. 2ndly once you took the money, you will have hard time to change to another lawyer if this one is not doing their job properly.

Q : I involved in an accident and has lodge police report. The injured party is filling the claim in court. Do I need to attend court?
A : Yes. Police report is useless in court if the maker(you) fail to testify in open court. Most insurance companies have clause in their policy that allows them to "compound" you for failing to testify. Whether they would exercised the clause is highly doubtful.

Q : I attended the court everytime I was told to. However my case gets postpone many times. This is wasting my time and energy, what should I do?
A : Talk to the lawyer in charge, ask them whether it is your turn in the next date. You, as the defendant, are usually listed as the last person to testify after Plaintiff and policeman. Find out whether both of them have testify. You can also tell them that you don't have transport. Insurance company will usually arrange transportation for you and if you are firm enough, you can ask for some token of compensation to attend court.

Q : What if I failed to attend court?
A : Your police report will not be taken into account and insurance company will lose the case. In this event, insurance company has the right to claim ask you to pay back all the money incurred on ground of non-cooperation. However chances of them exercising the right is subjective.

Q : I don't think I am at fault. I want to challenge police compound/summon. What should I do
A : How to challenge police compound/summon

Add On Question

Q : Do you happen to have a list of recommended insurance companies?
A : There are pro and con of each insurance company. Bigger companies have bigger network of workshop, however their claiming process it much slower due to volume. If you are staying outside big city, I suggest you to it from bigger companies. List of general insurance company



Q : Where to purchase insurance online?
Fireflyz @ AIG
MYEG @ RHB
Maybank
Motortakaful @ Etiqa
HSBC @ AXA
Berjaya Sompo
Kurnia Insurance/Am General
MPI Generali

Q : How much is my insurance premium?
Imoney Calculator
Oto
Einsurance

Q : What is my current NCD entitlement?
Mycarinfo

Q : What is my vehicle current value?
Mycarinfo

~~~ to be continue ~~~

This post has been edited by loui: Jan 3 2025, 02:06 PM

nice infoemation. bump for you

thanks for sharing . very useful information.

Good info. Really will be helpful.

Quite informative, thanks for sharing. This might be useful to those who doesnt know all this.

Thank you for sharing. Please post more of such informative topic, ts. Well done

This post has been edited by Nam226: Apr 12 2015, 10:03 AM

Many thanks ts

ts frm which insurance =D

Nice info. To be updated?

Mod pls pin. The first one is must.

Nice info there bro

no queries from forumer

not sure what to put

This is new knowledge to me. Thanks

Mod, pls pin this up

Good info for all including noobs like me

Can i still claim after i got my car?

Just notice got this compensate claim.

You did OD or PD claim?

loss of use only available for PD claim

if you got your compensation, means that you have sign "discharge voucher"

once you sign discharge voucher, you no longer can initiate any more claim

This post has been edited by loui: Jul 20 2015, 09:07 AM

Mine was OD.

Thanks

good info, thanks TS....I'll bookmark this and also parking here

Well done good input and info for all

In Europe, there is an accident protocol that has to be filled out with a sketch of the cause of accident. Both parties must then sign it.

Damn the toyota body and paint texh told me i cant claim agains public vehicle. I claim my oen insurance instead. Wow.........

singapore have it

Malaysia police won't do this

if they do this way, their "business" will be affect

you won't be surprise to see that there are 2 sets of police outcome, one compounding vehicle A and another one compounding vehicle B. both also similar offense

some workshop are ignorant, some plain lazy

TPPD is much much more tedious then doing OD-KFK

Thanks loui for the info.

Do you happen to have a list of recommended insurance companies?

A recommended list, a whitelist, and a blacklist.

what do you mean as white list and blacklist?

to be frank, they are pro and con of each insurance company

big company like

AMG (formerly Kurnia) - main player for car insurance
Alliaz - main player for commercial vehicle insurance
Pacific & Orient - main player for m/cycle insurance

the good thing is that they have extensive network, hence their authorized workshop is every where in malaysia

bad thing is that they are slow in assessing claim due to the volume

if you are staying outside big city, try to get those

if you are staying inside big city, opt for smaller insurance company

List of general insurance company

so far the active one are AMG(former Kurnia), Allianz, Berjaya Sompo, Liberty(former Uniasia), Lonpac, MSIC, Multi-purpose, P&O, OAC & Tune

Thanks ts. Nice information.

Edit ~

This post has been edited by lonely143: Jul 22 2015, 08:41 PM

Recommended list would mean those that you would highly recommend, for their value for money, and most importantly ease of claims.

Whitelist are those that are generally acceptable.

Blacklist are those that should try to avoid, due to their stickiness or other frequent problems.

For example, I heard from my windscreen shop that ACE is quite slow to process claims. Wonder if it's true.

thanks! tagged

price wise, everyone the same

insurance companies are control by bank negara, and bank negara force them to charge same price

but in 2016, bank negara will let go, hence price will varies starts from 2016

can't predict as to who is the cheapest as all the insurance companies have their own way of calculation

my suggestion is get those medium size companies which are still active in general insurance market

etiqa, liberty & lonpac

last 5 years ago i make buat sambung bayar(mycar gip to people sambung bayar) he just bayar for 3month and 4rd month i tarik la kereta

guess what? that guy canncle my car insurance without telling me. i use that car for one year without insurance...so people here careful when use kereta ssambung bayar.

also never ever accept the services of those callman that arrive on the scene, only let your insurance appointed truck tow your car away

never do sambung bayar

apart of ownership issue, if the insurance company found out, they will repudiate liability

which mean any claim brought against you(TPPD & TPBI) or if you doing any OD claim, insurance company has the right not to pay

hence if you are found guilty at civil court, you have to pay out of your pocket

average TPBI claim is above 20K

and only owner can cancel the insurance policy

you should have complaint to insurance company about the agent for cancelling the policy without your knowledge

loui

I'm trying to purchase insurance online before going to JPJ later in the day to buy over someone's car.

Do you think I can purchase the following?

https://www.axa.com.my/21/en/car-insurance/...urance-malaysia

I tried going for your recommendation of Etiqa and Allianz but they don't seem to have online service for new applications (only renewal).

Also is it possible to just get third party? For the cheap cost. Does it still give the benefit of accumulating NCD?

This post has been edited by tagz8: Jul 29 2015, 09:16 AM

third party policy does accumulate NCD as well

nowaday insurance company try not to sell third party policy

hence most likely you need to go to the counter to buy it

unclear about AXA thou, if you can buy from it, why not

Forgot to ask you, would the NCD for third party insurance be transferable to the comprehensive in future?

NCD can be transferred from third party to comprehensive

however you can't transfer NCD to different type of vehicle

example, bike to car or car to commercial vehicle

Assuming the car would be sold for only RM5 - 6k in about 3 years time. And assuming I don't have NCD at the moment.

Would it be a good strategy to purchase a 3rd party cover for now to earn the NCD + windscreen cover of about RM80-100.

Then only consider comprehensive coverage from the 2nd year onwards when you have NCD of 10%? Perhaps can change new car then too.

nice information. Free bump for you.

Proposed for pinned

can't really advise you on this as you know best by doing the calculation

anyway windscreen coverage is a separate insurance where NCD is not applicable to it

windscreen premium is 15% of the amount insured

example you insured RM500 for windscreen, you need to pay RM75

Thanks man. Just found out that most sell only third party + fire + theft. It's mainly bought for cars that exceed 15 yrs of age. Most don't sell strictly third party anymore. The price would round up to be only slighty cheaper than comprehensive, probably about 5 percentage points difference.

For minimum RM12,000 coverage for a 2005 car, P&O quoted (estimate) me about RM530+ for third party + fire + theft, and RM570+ for comprehensive. I suppose these figures are before GST & other charges, after which should come up to about 570+ and 600+ respectively I guess.

Was told by ACE that third party can only be bought via Pos M'sia, with the underwriters being UniAsia (now Liberty) and Multipurpose.

So I'll be going to Liberty later near Maju Junction and check if I can buy. Will update on the rates. Oh and can't add on windscreen coverage to third party.

Update: Got myself the 3rd party insurance from Liberty at approx. RM310 nett. Downside is not allowed to purchase windscreen cover.

This post has been edited by tagz8: Jul 29 2015, 04:56 PM

any source for apply online "3rd party" cover?

where u apply the 3rd party cover?

I got mine from Liberty Insurance as it was near the monorail station. If I'm not mistaken another one is Multi Purpose Insurance.

no online apply available?

nope

all the insurance company stop doing 3rd party policy online

you can either
1. go personally to their office to buy
2. get agent to do for you
3. buy it in pos office

thanks!

Regarding the "loss of use" , do I need to inform the insurance company that I'm claiming from before proceeding with renting a car? Or how would I proceed with this? Desperately need car for work.
Someone decided phone is more important when driving at 80km/h and bang my car. Currently nothing is being done after 2 weeks in workshop. Been using sister car, which is quite troublesome as my dad has to drop her and pick her up due to my work location and timing.

so I assume you are initiating the claim through TPPD rather then OD-KFK or OD

note that you can only claim for loss of use if you are doing a TPPD claim

you don't have to inform the insurance company in advance

but my suggestion is that you gradually pass them the rental slip, maybe like once in 2 weeks time

don't give the original one

make sure you pass all of the copies receipts before accepting their offer

once you accept the offer, you are deemed as accepting the loss of use compensation as well

is 3rd party auto insurance normally cheaper than the comprehensive one?

yup

at least by half

superb info. bump for you!

follow

bookmark.
nice info!
TQ TS

Does all the mentioned Q&A applies the same even though if the accident is between a motorcar and motorcycle? Assuming any one of the party is at fault.

Yup, everything the same if the policeman strictly following the law/act/rules

however, too bad, Malaysia's policeman doesn't

loui just wondering. last wednesday i had an accident with a van. got kissed on my bump behind. both parties made police report.

is it normal for police investigation takes 10days, or do i have to boost their performance by offering something?
how do i proceed with third party claim?
i dont have any details of the van because its a security van, and they doesnt want to disclose any detail with me. only have the van no plate.

thanks.

There is no standard time for police to complete the investigation

Some takes years, some decide on spot

Just send your car to panel workshop and tell them you want to fix it under od-kfk

Workshop fella will do from there

panel workshop as in my insurance panel or the other party insurance panel workshop?
oo i should had engaged some foreman to quicken the process instead

Panel workshop from your insurance

If you send to non panel workshop, the claim will be tedious and insurance might not pay for you

To all Bros,

i have car accident recently, which my car was bang by another car from behind. As usual, i snap some pic and take the driver contact no, then i went to log a police report. As normal procedure, after the report logged, went to meet the Sarjan and describe the happened incident in detail as follow:

I was drove at the fastest lane at the highway and there is the emergency stop in front, therefore i need to do emergency brake as well but the car behind me was failed to do so and cause his car was bang behind me, since i manage to hold the brake tight, therefore the car in front of me was safe.

Nothing much said from the Sarjan and he just direct me some simple procedure on how to claim the car and so on, then just ask me to follow up with him on the status and come back to collect the report on Monday. Before i left, he also ask me whether i hv the other party contact, and direct me to passed it to him.

2 hours later, i have received the call from Sarjen and told me that the other party have also turn up to log a police report. And he told me that the other party was claimed that he is on the fastest lane and i'm the one which cut queue from middle lane to fast lane and cause him to bang my car. Also he told me that he was disappointed with me since i'm not telling the truth, therefore he will not summon the other party.

I really disappointed and dunno what shd i do to get back my justice since i was actually the victim but somehow become a offender now.

Can anyone advise me on what/how can i do to get back my justice?


Appreciate much in advance.

Wow very useful info

Thanks

it is your word against the other fella word

usually police will buy the version of whoever kena rear collided

but your case is special one since the police in charge is "special"

if your main concern are claiming against the other felaa insurance, then get a lawyer to do for you

police will get grill infront of the judges

so far complain to Bukit Aman about the police conduct will not work. Many have tried but Bukit Aman will never put blame on the subordinate

p/s : you have dash camera? that will work to certain extend.

This post has been edited by loui: Apr 18 2016, 08:52 AM

nice info ...parking

bump this very useful thread

should print it out and keep a copy in the car

Can admin pinned this?

loui

Last time my friend got into an accident. lets call her jiajia
As usual, nearby tow truck came.
Jia jia contact a mechanic friend-ahboy who also provide tow truck service, so reject the tow truck on scene.

Here is the unusual part.
The thing happen like that. When ahboy tow truck approaching, he give jiajia a call to let her know that the tow truck is arriving in what car plate number.
Jiajia must hail her friend's truck to stop.
Ahboy tow truck cannot stop on the scene if jiajia didn't hail.
I ask why, bcoz tow truck got jaga their own area. Means ahboy cannot simply stop there even though jiajia got call for help already.

Got such thing?

This post has been edited by owenwong84: May 26 2016, 03:23 PM

Quite normal

Tow trucks business are full of gangster and thugs

Each have their own set of rules to safeguard their business

They don't really give shyt about rules regulations and authorities

One more thing.. Park ur car sideway and watch the accident.. Jammed the road all the way

nice

Need advise

My car was hit by a 10 TON LORRY from behind my car, happened 2 weeks ago. Obviously that is lorry fault.
I have lodge a police report, but the lorry still don't make any police report as for now.
on my hand, i have photo down driver I/C, vehicle number, company address on their lorry.

Workshop is now proceed for OD claim, waiting for approval.
May i know when keputusan released, can swtich to OD KFK?

-Office lady doing claim said can't, 10 TON LORRY must submitted via 3rd party directly, so my NCB will be impacted.
-Runner said can, after mahkamah denda the lorry owner, NCB bagi balik, will be no impacted.

Anyone can advise me to prevent my NCB hilang?

This post has been edited by reeve-826: Jun 25 2016, 04:24 PM

Thx for the info ts

OD-KFK can only be done when both you and other vehicle bought m/car comprehensive policy.

Since you knock into a lorry, the only way to not losing your is via TPPD claim.

Process might be tedious but still can DIY.

1. go JPJ to find out detail of the lorry insurance.
2. send a notice to lorry insurance company to show the intention to claim against them.
3. send your car to the authorise workshop for the lorry insurance company
4. you pay the money 1st (workshop will not do TPPD for you since it takes time)
5. collect all the repair bills + photos taken by the workshop
6. send it to lorry insurance company
7. negotatiate with claim personnel

or get a lawyer to do it for you if your claim is big

Hello, first of all, thank you for the helpful information shared here. I have a few questions below:

Yesterday (13 July) evening I was driving my Sister-in-law's car when a guy skided (wet road in rain) and banged me from behind. It was his fault as my car was stationary in a traffic jam pile-up and he just couldn't stop in time.

The guy was of Indian nationality as the ID/license he was carrying were different, he showed me but didn't let me take picture. We both made police report at Sri Petaling Police Station. He even sent me a picture of his police report admitting that he banged me from behind as his brake failed to work.

The sergeant there told me to go to Jln Tun HSLee Police Station to collect police report on Friday work hours. And that if I wanted my workshop can also collect for me.

I read through the Q & A above but still is quite clueless as to what I should do.

My questions are:
What should be my next steps?

I am thinking of:
1) find out my SIL's insurance policy type (now let's assume it's comprehensive)
2) should I call the insurance company to report this now or wait for the police report first?
3) must I collect the police report during work hours? Can I collect it on Saturday/Sunday? Or night time on weekdays?
4) Should I be bothered with checking the other driver's car insurance type (i.e. Comprehensive or third party)? He has been helpful and feeling sorry and even sent me his police report so I think he would tell me if I asked. Would this information be useful?
5) If the other driver does not have comprehensive coverage, will the workshop still help me to handle everything (process the 3rd party claim) or do I need to go through more steps or incur more costs than going through OD KFK procedure?
6) I am not named under my SIL's car insurance policy. Would this affect the process to claim OD KFK? How long normally does it take for the RM 400 compound (from insurance company) to be refunded?
7) It's a VW still under 5-year warranty so it is preferred to be sent back to the service centre. Do I need to check with my SIL's car insurance company if it's a panel workshop under both scenarios of OD KFK and third party claim?
8) I was helping to drive my SIL's car as she resides overseas temporarily. Will this affect anything? Since this is her car, what is the involvement that requires her/her ID's/signature/presence etc?
9) Is there any other thing that I missed out or need to watch out for?

Many thanks. Really appreciative of the help and support here.

This post has been edited by everclear: Jul 14 2016, 07:25 AM

Thanks TS. I think you need to cover this scenario which always happened to rempit knocking your car:

"m/cycle knock your car, 100% his fault, but he is filing injury claim on you. Can you dispute?"

2. My suggestion is to notify your insurance company in advance (assume you are making OD or OD KFK claim), so that insurance company can respond faster once all documents are complete

3. As far as I remember, counter only open at normal working hour. Make sure you buy everything at once, police reports, sketch, investigation outcome and photos.

4. Yes only if you are making OD KFk claim

5. Most of the workshop does not provide TPPD claim service. But they do have friendly lawyer who regularly service them with fees of course. Ask them and find out the charges of the service before agree on their service

6. It won't affect. But you will not get back the 400 you paid.

7. You have to. Or else the claim process will be tedious. Just go to their website and find out or just ask the workshop fella.

8. Not really. But if you make the claim through TPPD, the settlement agreement require her signature and cheque issued to her name.

You can't. When it comes to claiming insurance, it is between m/cyclist vs insurance company.

Insurance company has sole discretion to decide whether to compensate.

And in the event settlement can't be reach and matter goes to court, it is the judge discretion to allow the claim.

The successful rate of strike out the claim is less then 10%.

And in the process, insurance company need to spend few thousands on legal fees to defend you. So if the injured m/cyclist is willing to settle at nominal amount of few hundred ringgit, insurance company will most likely settle it to avoid incurred more cost.

Note that if you want to dispute the claim, the only thing you can do is talk to claim assessor. If the assessor felt that it is worth fighting for, they will get a lawyer to defend you and you need to testify in court. Opponent lawyer will give you tough time, so please prepare for the worst.

Even if you did a perfect testimony infront of judges, Malaysian judge is well known of pro plaintiff. Judge will some how find fault on you are found you slightly at fault.

Once insurance company is ordered to pay compensation to plaintiff, your NCd is gone forever

Hmm i just got hit and run last night.. i really shock its like i don't know what to do. even though he also stop there for a bit i came out of the car to check the damage and the he make handsign to make a uturn cuz theres so many car behind honking.. then he disapear so fast i couldnt catch him... this thread really helps me though.. I got a few question op regarding the first option, can i just go out snap all the pics and then return back to my car go str8 to police station even without talking to the other party? because i really dont like to talk to strangers.

This post has been edited by nikzaim: Jul 31 2016, 04:58 PM

Thanks for the info bro.

A few questions,
1. If I was trying to take pictures of the cars and the person I/C and he/she won't allow it, what should I do? should I record a video of the car and the owner?
I afraid that they want to pick a fight if I record video. should I suck it up and let him punch me ? Am I wrong if I fight back?

2. If the other person was poor and asking me not to report to police. If they pay money but the amount was not a good amount lol, what should I do?

3. If I feel threaten and drive away to the nearest police station, am I wrong? what if I did not take any pictures?

4. If I received money as compensation am I wrong if they report to police(Even it's their fault)? if police question, should I say I took it or no?

5. So your advice is not to pay money as compensation even the other guy insisted me to pay with cash because the risk is too high?

Thanks. sorry for the stupid question

Sorry for the late reply

Snapping photo with clear number plate seen is sufficient

1. You are not allowed to snap someone IC. Taking a photo of his car with plate number clearly visible is sufficient. Make sure snap the photo before vehicles are removed and the photos must be taken in the way which police can easily identify who is at fault

2. Up to you. If you don't mind the money, just a take it. If not, lodge police report

3. Nope. In fact it is advisable to do so. Malaysia is not that safe. If no pictures taken, just make sure you describe the vehicle you knock into as detail as possible in your police report

4. Not sure what you are trying to convey

5. Don't pay, especially the other party is injured.

hi bro
need some advise
regarding the bold parts
i meet an accident with a lorry a few days back (hit & run)
luckily i have a dashcam so it records everything include the plate number
when i check their insurance is under MMIP 3rd party

so it means that i can't claim OD-KFK ???
if i don't want to lose my NCD right ??

Nope. You can only do it via TPPD if you don't want to lose your NCd

loui i have a question here. was being hit by a company van and because of the impact causing me to bump the car infront of me. while we still under negotiation, we was being direct by the police bantuan to pull over to the side of the road to prevent traffic jam. however the van just run off like that. before that we have taken the van number plate. i went to the police station with another woman to make police report. however as per my runner mentioned, the van driver ignore and didn't go to the police station to make the report. sergeant has already issue letter to the owner of the van though but they just act stupid.

so in this case, it's the chances of i will be losing my ncd next year is high? is there any alternatives or what can i do? my car is a new car and this year is the first year i paid for the insurance. my friend told me that eventhough i will be losing the ncd for next year, it wouldn't affect me much. is that true? also how about the car that was being hit by me? will the cost of repair will be charge under me?

currently my car was in the workshop under repair while still waiting for the other party to come to the police station however i can conclude that percentage is quite low.

thanks

This post has been edited by yvonnesoo: Oct 20 2016, 02:58 PM

1. Find out whether the van is registered under commercial vehicle policy or private car comprehensive policy. There is a link that I put which you can check the vehicle insured under which company. Call up the company and ask.

2. If private car comprehensive policy, pressure the police to issue siasatan police. Make sure the van is compounded. Give a copy of the siasatan polis to the workshop and ask them to repair via OD-KFK

3. If commercial vehicle policy, pushed for siasatan polis. Claim via TPPD

4. If the car infront claim against you, send them a copy of siasatan polis and get them to claim against the van

5. You need to take extra effort to push for documents. Get your agent to do for you if you have one.

6. NCD wise, won't affect much but chances of kena loading is there, depend on insurance company

This post has been edited by loui: Oct 20 2016, 03:26 PM

err sorry i can't seems to find where the link to check the vehicle insured under which company. could you please quote here?

as for the ncd wise, what do you mean kena loading is there? sorry this is my first time being hit & run by a van

https://www.mycarinfo.com.my/ISearch/Enquiry?version=b2c

Loading mean you need to pay additional money to buy insurance as they see you as high risk driver

This post has been edited by loui: Oct 20 2016, 04:03 PM

thanks. i have checked through the link and the type of cover only stated comprehensive. so i can under OD-KFK? one thing i notice is the van policy period is from 14 Nov 2016 - 13 Nov 2017?? means they just renew their insurance?

Did it state which insurance company?

If not then you need to go JPJ counter and buy the JPJ search

Call up the insurance company and find out whether it registered as private car or commercial vehicle

yes it did state the insurance company. thanks. i will try to call up the insurance company but will they allowed non owner to check on this?