Hi all sifu2, would like to ask things about car insurance.

That day I met an accident at KotaDamansara, and actually is the 3rd party fault. She haven't go and report yet well is already past the 24hours from the accident time. Sarjan told me that I can't claim her insurance in this case due to she haven't made report yet.

The car is tow to perodua service centre. This car is only half years old and the previous NCB is bring foward to this car around 55% (RM800++). Right now they just roughly estimated RM7.5k++, Currently waiting for insurance adjustor to finallize the final price.

My question came here,
1) how if the repair we going to paid ourself by cash? Will the price cheaper than what the adjustor give?
2) what will be the consequences that the 3rd party will get other than a RM300 saman? (because is so unfair, we going to lost our NCB and this accident is really her fault)
3) what if we claim our own insurance, and the car is ready to collect by the time and the final decision from the sarjan didn't made yet. So, means that I going to lost the NCB from my own insurance only right?



This post has been edited by raidonymous: Nov 2 2015, 12:40 PM

hah, I was in same shoe as you last week. Fortunately for me, the 3rd party reported few days later. Lesson learnt, drag the 3rd party for police report together. You need to make sure that you're going to report, and tell other party the consequences of not reporting. It's not just RM300 saman, it's more than that.



1) Via insurance, normally they will replace parts rather than knocking. But by cash, they'll find cheaper route.
2) Not just RM300 saman. The car will be blacklist under Police hit & run list. They can't sell the car either. Secondly, if they involve in another accident, and she go report, it'll tie back an open case with yours. Then whole case re-opens and restart.
3 ) Yes at first, but if decision from sarjan not your fault, it'll re-direct the claims to 3rd party. Most of it handled by the runners.




This post has been edited by shakku: Nov 2 2015, 12:17 PM

How was your car damage? OK?

My mom was driving during that time, when I rcvd call I str8 nervous and drive all the way from Klang to KD because afraid about my mom safety. By the time I reached, the driver ad ciao. then I only call tow truck, then str8 to police station made report. Thanks Man for your information!

Do you have the culprit driver's details?
1. car plate number, car model,
2. handphone number,
3. IC number, etc?

Sometimes, the carplates may be just fake plate numbers for obvious reasons (these thugs are wanted). That's why you actually want to get their handphone number. best to take their ic numbers too for the police to investigate and actually get to contact that person.

Just bring it to the workshop, engage the claims consultant. He/she will help you through the claims process.

The worst thing that can happen is that you claim your own insurance (that's if you have comprehensive cover) and lose your NCB.

1) no. the workshop will aborb from you and claim from insurance.. ur actual damage could probably be less than 1k... the workshop already markup the price... the adjuster are in same cohoot to approve the claim before sending to insurance to claim..
2) summons of RM300 only...it depends you are claiming own insurance or 3rd party.. if 3rd party never lodge any report... sarjan will call him to make such report or send official letter to his address ( presuming he is staying ) and ask him to attend police station. to make report, to take down the damage on 3rd party vehicle.. see if you wanna claim his insurance, his statement and his damage to car must be consistant with the damage done to your car and police report... thereafter sarjan will come out with an outcome as to who is at fault i.e bang from behind, front, side, traffic lights situations and etc. this outcome will be relied upon by insurance company to pay..insurance works very funny you claim his company insurance, but his insurance company will ask your insurance company to quote the damage.. ( there are some agreements btw insurance company one). if you claim their insurance ur NCB stay, if you claim your own your NCB lost..
3) most probably own insurance claim

hope it helps.. but theere ppl with slig bags ard police station which are very helpful facilitating you to make police report and one dragon service , got workshop , tow car and etc.. like a good samaritan helping you ike god send to help you...

you notice they are doing these "good deeds" but their looks different most of time Indian/Chinese who looks like taikors.. am I right? the other name are as mention above " claim consultants"

This post has been edited by bearbearwong: Nov 2 2015, 01:56 PM

we have the car plate number, model, car road tax, owner photo, handphone number. Don't have IC only.

Thanks for your information, hahaa.

Yes there is people with sling bag in and out the police station, but didn't offer us what service. or Maybe the traffic police station that i went in KD really really really small.

if bigger traffic station should seen these ppl

1st of all, DO NOT CLAIM OD-KFK !!
Of you do, you are screwed and may not able to claim the 3rd party.

U can only claim TPPD but it will be a painfully slow process, so to "faster" the process u can fork out own money to pay to wotkshop 1st.
Then when workshop receive money from insurance ask them issue cheque to u.

Thanks man, I also thinking whether can works or not. Cause it's really the first time my family's vehicle involved in accident since I get my license. My mom is working, so I have no choice to help her to run here and there to settle this kind of stuff. That's why have no experience at all.

My mom contact the 3rd party side during afternoon and call her to go and lodge report. Hope everything goes fine!

Why didn't call your car insurance agent?

I'm an agent myself and I handle these phone calls very regularly.

This car is newly brought and the insurance stuff is also settle by the sales man that sold us the car. From the way that he replied my mom, he also like want bother and don't want bother. I str8 away call my mom don't find him already.

Update:

Mum yesterday gave a call to the 3rd Party. The owner also blur blur sotong and I think she is also first time involved in accident macam ni. My mum called and said.

Mom: We already made police report near the accident place, when you are going to made yours?
Her: I tot you made report can already? I also need to go? I tot the police will find me infront of my doorstep?


My mum str8 speechless.
Call Ended...

This post has been edited by raidonymous: Nov 3 2015, 12:17 PM

both OD-KFK and TPPD are claiming against the other vehicles insurance without involving NCB

back to TS, if you can afford the repair bill, pay it out of your pocket

make sure the repair bill clearly stated payment was done by the owner

then proceed with TPPD claim

it might takes time, and prepare to harass the claim personnel incharge

We can afford the bill actually, and we also did some counting of our own on this repair & restoration. There is one thing that I worry about, is the final decision that sarjan give. As you can see from the photo at the first post, the damage of my mom's car is at the front left part.

However, the other party drove kenari and the damage is at the left-rear the part that around the gas door (well i'm not sure kenari gas door is at which side) and the damage is not as serious like what she did to my mum's car.

The sarjan first things came into his mind saying, in your case if the other party was lying and giving fake report. My mom will be rugi cause is near the rear part of the vehicle. If like that, my mom sibeh innocent. Drive normally then kena people bang, car damage and need to send in repair for sometime plus kena a saman from police.

story of how this incident happen:

This incident happen in front of kota damansara toll out to nkve hwy. My mom was driving normally and taking the most right smart tag lane. There's a small allowance in the divider part for the opposite traffic to U-turn.

Then there comes the other car, driving from the most left lane and driving almost horizontally to the U-turn side. Then when she saw my mom and she turn her steering straight and by the time my mom's already braking. But end up she still bang into my mom's car. (Facepalm)

When coming down that time, the lady said "sorry aunty, I'm not local and trying to go over the opposite traffic via U-turn. You send your car for repair and after that claim me" of course my mom didn't. My mom wait for me come up to KD and we together wait for truck only go over to report.

yup

end of the day, still depend on the police report of another party

there are many occasions that police reports from both parties have different versions

that is where you need to sit down with the sarjan in charge to convince(or bribe) him that your version is the correct one and the other party is compounded

read my thread if you decided to do TPPD claim, you can DIY it but it will be long wait before getting your money back

Thanks and Wow, click and do some reading ad. What a great post.

This post has been edited by raidonymous: Nov 3 2015, 03:31 PM

Why cannot claim OD KFK?