hello all sifu.. i not sure where to ask.. so i just try my luck in this forum...

summary of the case.. my sis got bang from a commercial use lorry.. the lorry slide down from inclined road and bang the front part of the car..

went report and the keputusan said is the lorry's fault..

proceed with claim..
but now the workshop tell me can proceed with claim and got back the 1st year NCD only.. next year onward my NCD will be reset because that is commercial use lorry??

question..
1) keputusan said is not my fault.. why my NCD will reset next year??
2) even if i fail to claim the lorry insurance, i remember there is something call no fault claim?

btw is kurnia(my own) if it matters...

Call kurnia up and ask lo , remember record the call and ask the person name .

I think you'll get your answer if you ask here:

https://forum.lowyat.net/topic/3547924

loui your advice is needed. Will be useful knowledge for everyone else.

Park for future reference

where you sent the car? outside workshop or service center workshop?
call and talk to your insurance also

why i ask my own insurance? i am claiming the insurance of the lorry?? not my own..

thanks for pointing me to the right place.. i'll ask again there..

Call your insurance and consult with them la. They will help you to retain your ncd if it is not your fault one.

Who do you think have more accurate knowledge about NCD? Your insurance company or some random guys in this forum?

https://www.freemalaysiatoday.com/category/...aims-govt-told/

End unfair accident insurance claims, govt told

FMT Reporters

 -

December 10, 2021 4:16 PM

PETALING JAYA: A consumer group today raised the alarm over motorists forced to use their insurance cover in crashes when the other party was at fault.

Federation of Malaysian Consumer Associations (Fomca) CEO Saravanan Thambirajah said that in fender benders, both parties must lodge a police report in an accident.

He said more often than not, only one party lodges a police report, while the other does not, and gets away for doing so.

“Until and unless the perpetrators report, only then can the victims claim from the perpetrators’ insurance, or else they have to claim from their own insurance.

“In this event, the victims will eventually lose their no-claim bonus (NCB), which is utterly unfair. Why do victims have to go through this agony because of the mistake of others?” he said in a statement today.

Saravanan said another key issue was that motorists without valid vehicle insurance could get away with impunity.

He said these motorists without insurance would be allowed to renew their annual insurance and are not liable for previous accident claims.

Saravanan said police must create a separate agency to handle accident cases, as they are overwhelmed with hundreds of cases daily.

He said Bank Negara Malaysia, as the regulators for insurance companies, must step in to fix these loopholes immediately.

“Tough measures need to be taken to arrest this situation before many innocent road users become victims of this void in the law and unscrupulous road users.

“Offenders need to be punished and innocent victims need to be protected by providing them insurance coverage without losing their NCB.”

You lose your NCB because the lorry driver did not make a police report so you are actually claiming your own insurance.

There is a way to claim the insurance of the party which did not make the police report if it is not your fault but it is very tedious with no guarantee of success so workshops do not want to do this.

All accident repair claims against third party will have to go through own insurance co.

If the claim is successful, your own insurance co will pay for the repair first and then it will receive the claim money from the third party insurance co. ..... the insurance term is 'knock for knock' and does not affect ncd.

This post has been edited by mini orchard: Dec 16 2021, 08:20 AM

Already got keputusan. Unless TS one is verbal?

Are you referring to Own Damage Knock for knock? If so, there may be an issue here as the 3rd party is a lorry.

if that lorry no insurance then how you gonna clam from him?

afaik lorry 3rd party in this senario no issue.... if no insurance, then issue.

Generally, that the practise for 3rd party damage claim. Is TS duty to call his insurance co to sort it out if there are other tnc.

This post has been edited by mini orchard: Dec 16 2021, 09:44 AM

thanks for the response.. think i will call kurnia to clarify bout the ncd..

yes already got the keputusan which mean the lorry went to report.. and my workshop say they will be claiming from lorry insurance mean the lorry have a valid insurance...

the question is my workshop told me.. if got bang by C permit(if i hear correctly) then my ncd will gone..

Afaik and from what I was told and read, for OD-KFK claim, the 3rd party should be private vehicles and they must have comprehensive insurance. The insurance companies came up with this scheme to speed up claims process.

For the "as long as have insurance" type of claims, these are normal time-consuming claims IMO.

All said, I wish insurance claiming procedure here was as simple as what they hv in Singapore.

oh, yea you are right, my mistake. OD-KFK both parties involved must be private vehicles (long as its a private vehicle, even if its a 3rd party insurance)

in messia, if car accident happen, most headache is that car don have valid insurance cover or that car belong to gov which no insurance.

If you meet this 2 cases then gg.

You are right. It doesn't mention the 3rd party must need comprehensive policy.

https://www.kurnia.com/blog/odkfk-knock-for-knock



Edit: but this guys says otherwise. And iirc, loui said the same thing. https://blog.fincrew.my/2021/01/04/kfk-knoc...nsurance-terms/



This post has been edited by mushigen: Dec 16 2021, 10:34 AM

if lorry hamtam u, then lorry salah, then claim lorry
for safely, anything call insurans to process wif better