Hi all, appreciate if anyone can help me out on this:

I have met minor accident recently.. if I already sent car for repair in nearby workshop..

Can I still claim from my insurance company after that?

Just check my policy it was under comprehensive package. TQ!

If you made police report then insurance mighy emtertain you

Police report is a must first, either it is towed to the police station or police come to the scene to snap pictures for evidence..

If is not too expensive to repair, pay own to keep ncb if insured value is high. Not forgetting the police summon.

This post has been edited by mini orchard: Jan 17 2022, 02:50 PM

Police report by both party if involved with other car. If self accident also need police report. Usually insurance will ask to send to panel workshop and the workshop will settle the claim part. For some insurance like Kurnia, you can go to the branch to ask for claim within 48hrs of accident and they pay you directly, can go to workshop yourself. I got rm1.9k for a minor accident from kurnia

If you don’t mind burning your NCD and pay the summon (if you’re at fault), then why not?

Your policy, your choice.

thank you all.. if its a 6-car chain accident, what happens to the last car yea?

is he generally responsible for only the 5th car.. the 5th car responsible for 4th car and so on?

Depends on the sarjan judgement of who's at fault. The one at fault pay for all.

i see.. even if the 6th driver already exercise her best care to avoid by turning to the left (only collided one back light) of the 5th car?

She has to convince the sarjan that the accident was unavoidable/out of her control.
If her reason is "couldn't brake in time", it probably will be her fault even though she already did the best to turn.

usually everyone will claim the last car insurance

BEST care to avoid an accident is not to follow close,

go learn 3 seconds rules.

As long the fifth car claim against your insurance, it doesnt matter anymore whether the rest claim against your insurance.....you lose the ncb anyway.

Is your duty now to lodge the accident report with your insurance co, failing which the insurance can disclaim liability and registered owner have to bear consequences to pay for the damages.

This post has been edited by mini orchard: Jan 17 2022, 07:50 PM

Are you sure? I thought it was 3rd party claim against the car directly behind you.

E.g. Car 1 claim against Car 2, Car 2 claim against Car 3 ....

Only Car 1 can escape from losing the NCD.

edit: found a source, although not sure about the NCD.
http://www.kooagency.com.my/motorinsurance...onguideline.htm

This post has been edited by loserguy: Jan 17 2022, 08:14 PM

I guess TS is new to this, so a few questions to help him out:

1) When was the accident?

2) Any police report made?

3) Who's at fault?

4) How minor is the damage? Cost of repair?

5) How many % is your NCD? if you are not sure, can refer to the policy

But since you said the repair has been done, i guess it might be a bit too late to make the claim already. Since normally the adjuster will need to come and check out the extend of the damage before approving the claim amount.

https://forum.lowyat.net/topic/4496639/all

Some actual cases there.

This post has been edited by poweredbydiscuz: Jan 17 2022, 10:04 PM

Thanks. Best to have actual cases.

In any case, I found the BNM guidelines for chain collisions. Pg 4/8
https://www.bnm.gov.my/documents/20124/796508/07.Chap2.pdf

If it is minor repair of few hundred, just pay with your own money if it is your fault.

If other people's fault, claim from that person insurance company.

Once you claim from your insurance, the insurance company don't give you 25% discount anymore for 5 years.
Nobody told me that, so I had to pay the full premium for 5 years.

Insurance companies are scam

Seriously you paid full premium for 5 years without any discount? It should be reset to 0% the next year and start accumulate to 55% after 5th year.

Which insurance company was that?

This post has been edited by poweredbydiscuz: Jan 19 2022, 08:19 AM

I think his choice of words deceived you. It's more like he made a claim, lose his ncd, then had to use another 5 years to accumulate to 55%. But I don't think he realized even 2nd year renewal already got 25% ncd.

Is auto deducted when renew online or over the counter, UNLESS one go through agents. But then again, the renewal cert will show the detailed payment.

Sorry , i was lazy to type. my discount was gradual and not total. Anyway, it's a scam.

Insurance shouldn't take away our discount after a claim because I already paid so many years of insurance

Not scam lah. Daylight robbery is the correct term.

lol. That's why insurance companies earn billions of dollars every year.

Those who didn't claim any money, insurance companies don't do anything but just collect money every year.

Those who claim insurance, their premium is raised for 5 years to cover up for insurance paying out money.

Insurance companies never lose , just like banks never lose.

It's a scam that is legal....

This post has been edited by ericthai: Jan 21 2022, 09:40 PM