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
What to do in an accident in Malaysia, Everything about m/vehicle insurance
Jul 14 2016, 06:53 AM
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