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

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Nemozai
post Jul 21 2023, 12:07 AM

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Minor accident. My car Hit by motorcycle from behind. Both of us reported police. Sarjan issued saman to the motorbike rider.

Sarjan recommend a workshop to me. Sarjan said the workshop will handle all documentation. I like the idea of not needing to go to police station again and get the report, the results of investigations and photos. So I want to ask is those workshop recommend by Sarjan trustable ? Or it’s strongly advice against going those shops ?
Nemozai
post Jul 27 2023, 07:37 PM

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QUOTE(loui @ Jul 22 2023, 11:32 AM)
No. Better refer to insurance company

You don't want to end up in non franchise nor non panel workshop

1. Process will be delay
2. If repair work shady, you can't get insurance company to push the workshop to fix it for free
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After clarify. The workshop that the sarjan recommend is actually a panel workshop under my insurance takaful. But it’s not the car manufacturer service centre workshop. Should I be concern about the quality of the work?

Is it ok in that case ?
Nemozai
post Aug 1 2023, 12:11 AM

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My car got hit by motorcycles. Police report all filed. The motorcycle was issued a summon.

The panel workshop i went to suggested that i go for OD KFK instead of TPPD, because it involves motorcycle.

The reasons being that if I go for TPPD, the motorcycle rider can still file a claim for bodily injury in near future against my insurance anytime 6 years down the line, eventhough he's clearly at fault and been issued a saman. And my NCD will get affected if it happens and worse still, my insurance company can choose not pay for the bodily injury claim and I have to bear the cost myself.

If I claim using OD KFK, i kind of notified my insurance company regarding the accident. So that in future, if the motorcycle decided to claim for bodily injury, my insurance company will help to compensate.
Problem with OD KFK for claim against motorcycle is hard. As explained in this thread.
Meaning that i would end up burning my NCD. Because they need to lock my NCD for 6 years in anticipation for bodily injury claims. Lock means that my NCD will be reset first, then keep in view refund later after the 6 years period, according to what the panel workshop explained to me.

Is all the above true ? Or the panel workshop just lazy to do TPPD for me. Or like the panel workshop suggested, I would be better off with ODKFK in this case instead of TPPD for the extra peace of mind 6 years down the road.

Please enlighten me. icon_question.gif
Nemozai
post Aug 1 2023, 12:14 AM

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QUOTE(RiriRuruRara @ Jul 29 2023, 07:32 PM)
Hi guys, I have 2 questions I need answered:
1. Do you need the other person IC details to proceed, if answer is yes and the person don't want to show ic to you can you still proceed??
2. Is the rule still you have to make police report at the nearest police station or can you just go to any that easy for you???
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I can answer the first question. No need IC to proceed for police report.

Most important is to get the vehicle model and plate number. Best if you have dashcam footage. If not, try to provide photos of the scene, dont move your car or motor first, all this is evidence.

Second questions I'm not sure. But I think best is to report at nearest traffic police station.

 

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