Recently I've met with an accident, the police keputusan mentioned the other party is wrong and he has been given summon of RM300.

So, now I can claim insurance from the other party.

During the accident, some runners appeared out of nowhere saying he can help to settle by towing to a workshop making insurance claims for me as well.

So, after lodging police report and receiving the police keputusan, I passed all the documents required to the runner. I have visited the workshop and the car is there together with the runner. They said they will know what to do. They will call the insurance company of the other party to take pictures of the car damage first.

But what I have read from internet is that we are supposed we send the car to the panel workshop of the other party insurance company.

So I wonder if those runners can really settle the insurance claim without sending to the panel workshop.

Anyone has experience this?

Yes. I usually will ask the IO for advice. He will then call his kaki to swing by.

In my case, I got whacked by a Spanco truck so cannot claim their insurance because there was none anyway. Ok the end, I claimed my own insurance. The IO's kaki recommended a place at Kampung Ara. I only need to sign some docs and wait 2 weeks.

So conclusion, avoid Spanco vehicles at all costs. These were mostly gomen vehicles used by PDRM, JPJ, JKR and etc. These cars will have a 5 year road tax but zero insurance.

So for your case, you claimed from your insurance.

But is it a panel workshop? Can it still be claimed from a non-panel workshop?

What is Spanco anyway?

hope your car isn't a new one. for me i'll always send it back to official service center. since claiming insurance already why not just get all original.

avoid the runners and their towing service at all cost.

better you do not have to deal with samsengs later on.
you call towing and send to SC /recommended approved workshop yourself.

Yes, it is a panel workshop. The IO knows them well too.

Got limit. If not mistaken, max 5 years only. After that, the adjuster will recommend used or compatible parts only.

oh! wasn't aware of it.. no wonder this honda everyday also promote their HIP say up to 10 years can get your car fix with original parts. didn't know not buying from them it's up to 5.

If u buy the insurance from Honda maybe they will give original parts because the premiums will be slightly higher too.

yeah true.. that's why i always bought directly myself from etiqa there's a couple hundred difference but i always thought it's the same.. cause HIP will be getting the insurance coverage from etiqa and few others anyway.

Yes it called the betterment clause. Can read about it here.

https://piam.org.my/blog/2019/09/20/piam-ex...terment-factor/

Some insurers offer exemption from this clause if you are willing to pay the additional premium.

Call your insurance agent and ask for the nearest panel workshop. Pass the polis report, IC, driving license to the workshop and they will handle the rest.
Don't trust runners from non-panel workshops. Worst case, your insurance will denied the full claim and you need to pay the balance yourself.

Remember, your paying your insurer. Do perform any thing insurance related, go back to your insurer. Not any runner/third part/police friend/ex-classmate's cousin who is now a insurance adjuster.

kena game... i can tell u from first hand experience, those are covered by insurance.

just your insurer lazy to do work

This post has been edited by Chrix: Sep 27 2022, 03:04 PM

If you're under comprehensive insurance, not 3rd party insurance, you can opt for OD-KFK - claim under your insurance without affecting your NCD

Faster & simpler, and not under the mercy of the 3rd party insurance which would usually mean that they don't want to pay that much to you anyway...

https://www.msig.com.my/claims/motor.html#:...20third%20party.
https://www.kurnia.com/blog/odkfk-knock-for-knock

Just go to your preferred panel workshop & give them the appropriate documents as per the link above.

This post has been edited by isr25: Sep 27 2022, 03:03 PM

it's a very old car not even worth more than RM2,000

HABIS LA.
should have waited for tow truck from your own insurance company.
Now samseng wont return your car unless pay few k for the towing. if youw stick with samseng repair, you cant claim insurance if they are not panel

ah i see then really can send to anyone. send back SC prepare to wait 4-8 weeks.

If the car market value not worth even RM2k, it's a miracle the insurer is willing to repair it instead of total loss it straight away.

i have just called my insurance company and a very helpful guy explained the procedures.

they said the procedure is correct.

Those whatever ahbeng towtruck operators can help to settle the claim as long as im not claiming from my own insurance.

There's no need to go to the other party panel workshop if i'm claiming from a third party insurance.

Only if i want to claim from my own insurance, then i have to contact my own insurance company to tow the truck and put into the panel workshop of my own insurance.

The only thing is that probably i have to pay to the workshop first before the workshop can claim from the third party insurance (unless the third party insurance is fast enough to pay up).

ok la maybe not more than 5k instead of 2k. It's a very old car, not sure what is the value also.

anyway it still can be used, it's a waste if call it a total loss.