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

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Selectt
post Aug 26 2025, 12:09 AM

wattttt!!
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1,706 posts

Joined: Aug 2009
sifu loui

thanks for the thread and your contributions. earlier i got read 2 sources https://forum.lowyat.net/topic/3365413 https://forum.lowyat.net/index.php?showtopic=3547924&hl= (read alot but i cannot determine best way forward sweat.gif). May i ask for your help for my current situation id be so thankful.

Involved with accident on 23-Aug (2 days ago). Report with police on the same day. Driver A bang into me, a hit and run case.

24-Aug IO called me to make me send to a girl Barbi (fake name) to make 3rd party claim, apparently shes an agent frm unknown workshop. IO told that he can make 'surat saman' now if i send let Barbi to manage. I know what the IO trying to do but I m in dilemma whether I want to send to Barbi to make 3d party claim coz I have comprehensive insurance. I also read that it is also possible that even keputusan came out favoring me, but Driver A insurer CAN refused my ODKFK claim. What should i do? If driver A didnt make police report and i dont have driver A police report & docs, should I proceed with ODKFK?

My situation, I do not have dashcam footage, only have the Driver A plate number in writing only and my own car damaged picture & police report as evidence. I know Driver A insurer is the same with mine under Berjaya. Questions:

1. If u were me, how do I proceed now?
2. Is there anything I need to do right now?
3. How to ensure my NCD not affected if i proceed ODKFK? or should I let Barbi manage my case, which be frankly i have not much confidence.
4. I read that I need to let my insurer know that theres accident occurred. I thought of opening 'case' (not sure got such term) with my insurer, without filing the claim coz I want to ensure my insurer can make KFK first before i send my car and submit my docs to them. I also thought of driving to the insurance there to let them record the damage first as my repair is not urgent. I havent report to my insurer yet.
5. Is ODKFK the best way to go? or TPPD? Should I wait for keputusan first before going to open case with my insurer?
6. How to prevent Driver A to claim my insurance if theres a counterclaim? As i know both sides can make police report and claim each other?

Appreciate your help here.

This post has been edited by Selectt: Aug 26 2025, 04:15 AM
Selectt
post Aug 26 2025, 06:06 PM

wattttt!!
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Senior Member
1,706 posts

Joined: Aug 2009
QUOTE(loui @ Aug 26 2025, 04:14 PM)
1. If u were me, how do I proceed now?
Answer : Go for OD KFK. Your insurer cannot decline your OD KFK request if you fulfill following criteria (stated in Section 3, C, of your policy)
• the offending vehicle is identifiable and is not a vehicle used for carriage of passengers for hire
or reward (for example taxis, hire cars, public buses, stage buses, school buses and factory
buses for hire);
• the offending vehicle is insured by a Malaysian licensed insurer; and
• there is no death or personal injury claim involved.
2. Is there anything I need to do right now?
Answer : Go do OD KFK if above criteria is fulfill
3. How to ensure my NCD not affected if i proceed ODKFK? or should I let Barbi manage my case, which be frankly i have not much confidence.
Answer : Go with OD-KFK. IO is suggesting his method as he got a cut for referring case to the middle man
4. I read that I need to let my insurer know that theres accident occurred. I thought of opening 'case' (not sure got such term) with my insurer, without filing the claim coz I want to ensure my insurer can make KFK first before i send my car and submit my docs to them. I also thought of driving to the insurance there to let them record the damage first as my repair is not urgent. I havent report to my insurer yet.
Answer : Report to your insurer now. Anything above 24 hours will result in insurer getting suspicious and they will request more verification. Just go to any panel workshop (which you can find in your insurer website). Tell them you intend to do OD KFK and they will guide you from there. Drop an email to your insurer stating that you are sending your car to XX workshop and insurance claim handler will proceed to liaise with the workshop
5. Is ODKFK the best way to go? or TPPD? Should I wait for keputusan first before going to open case with my insurer?
Answer : Always go for OD KFK if you fulfill all criteria. The process is 10 times faster. However you need to push the IO to give the keputusan faster.
6. How to prevent Driver A to claim my insurance if theres a counterclaim? As i know both sides can make police report and claim each other?
Answer : You can't stop them from claiming. However under law of tort, who ever want to claim against the other party, need to proof that the other party at fault. If you have sufficient evidence to proof you are not at fault, TP can claim against you but insurance company will deny the claim.
*
Hi loui, much appreciated your quick reply.

1. Yes, the incident satisfied the 3 conditions for KFK.
6. This however, im not sure if i have sufficient evidence. I will be completely relying on keputusan from police...

QUOTE
I do not have dashcam footage, only have the Driver A plate number in writing only and my own car damaged picture & police report as evidence.
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