Most will be fussy if they suspect improper claims… or if they can’t go after the 3rd party (ie the tree)

Well photos or not, if want to claim motor insurance due to accident, must always have police report and their investigation result no? How the adjuster sus your circumstances of loss also got to follow the investigation report.

So do you have that?

Contrary to popular beliefs, for accident not involving 3rd party does not really need a police report.
Ofcourse having one could be better, although it does not guarantee no fraud.
Say if i think my car need some "repairs" but i dont wish to self pay so i purposely fake accident (really flip my car or purposely bang tree) so why would i be afraid to make a police report? I can just say i thought i saw a dog ran by so i avoid it and bang tree.

Police report only needed if accident with 3rd party to determine whose at fault, who claiming who.

In TS case is self accident so claiming own insurance usually should not be an issue.
I really wonder why insurer suspect fraud.

It could be suspicious if the car owner consistently get accidently every year or few times a year.

U can make complaint to bnm here
https://bnmlink.bnm.gov.my/

Did the insurance company give you an official reputation later?

If no, means they don't have sufficient evidence to proof fraud and is using delaying tactic

If that is the case, threaten to escalate to OFS to get them to decide whether to or not to pay

This post has been edited by loui: Jun 22 2024, 12:55 AM

Agree.

Where does document tnc says you need a video cam as evidence. Or photos only by the driver who was in a shocked mode and didn't know where her handphone was. Or the object hit should have 80% damages to it to be considered an accident.

There's injuries, photos, police report and have filed accordingly. I think that's sufficient to submit for claim.

It's bs I smell from this insurance.

Refer to police report. If false can end up in prison for fraud.

1. if u don't have a dashcam, now u know why it's mandatory

2. always pre-condition your mind. if avoiding a stray animal will put your life in danger, always ram the animal instead

This post has been edited by DarkAeon: Jun 22 2024, 10:21 AM

Guide to lodge complaint to OFS

https://www.ofs.org.my/en/how_to_lodge_a_dispute

recently in SG, porsche taycan #SJV86T had insurance claim rejected by liberty insurance

Thank you, I also have one pending insurance claim for my robot vacuum which this morning suddenly say resolved and closed. Robot still with 3rd party for 2 weeks d, waiting to see what they say on Monday

If small animals can ram la. Avoid also try to make it go between tyres not straight pusing until bang tree. But knowing females, mostly will panic and do the unthinkable. But if big animals like cow, you better press brake lol.

if it's safe to avoid (like no cars or obstacles left or right) of coz avoid it

but if it's unto incoming traffic, your chances is better ramming the cow

This post has been edited by DarkAeon: Jun 22 2024, 12:38 PM