I'm not sure where to post this so here goes. Just need some insight on this matter if anyone ever has any experience. Bear with me

So I got in an accident 2 month ago and the insurance just release the claim status as total lost.

My insurance when i renew is agreed value at 11k, would i get this much or are there calculations that only they know?

The workshop said if I opt for total lost, I need to pay them 1.5k for processing fee. Is this the right practice?

Workshop also said if I want to repair, need to write letter to the insurance and I probably need to topup the amount. They said repair could take 7-8k.

My question here, if I opt for repair, wont insurance cover 100% of repair cost? since 8k is still within 11k value

And If the topup amount is too high, can I opt back to total lost.

In total lost case, what happen to the car when I received the money? Is it still mine?

And how can I keep the plate no if i want to total lost the car?

Sorry for asking too much. Any insight is appreciated
Final question, if total

It won't be 7-8 k. Will have other hidden costs. The insurance knew about it and that's why they total loss it.

Just pay 1.5k fee mostly for disposing the car and cancel the registration with JPJ. Made sure everything is stated black and white. Don't trust verbal agreements.

i would emphasize this

what car 11k value?

Why claim own insurance? Your own salah?

What insurance company?

Just deal with insurance company sahaja; no need to deal with workshop.
Since insurance company already decalre total loss, just submit required documents and spare key then wait for payment.

I see hidden repair cost but if total lost would I receive full 11K. So i pay them 1.5k to dispose the car and they can still sell all the parts for money right?


FLX exec 2012. Terbabas alone, slippery road.

Takaful malaysia. Very hard to get hold for call. All robot answer

Processing fee is bear by you.

Ask them how they come up with the amount

Usually if the repair coat is above 65% of insured sum, insurance company will offer for total lost

You can still call them to negotiate to get it repair thou

Once you opt for total lost, you no longer own the car. Car ownership will be transfer to the insurance company

You can still ask the plate number back but make sure you notify them before signing acceptance letter

a car plate number have to be attached to the vehicle, if vehicle is total loss then number is gone too, no longer in registration

cant do interchange if insurance company taken possesion of the car in lieu of compensation

if car plate number is worth more than car value then dont claim total loss



this is what happen to a friend car, vvip plate number gone cause claim total loss

You can scrap the car yourself with JPJ & later sell to scrap metal dealer & save that $1.5k.

Can be done

Owner need to get new plate number, exchange it to the total loss car before surrender the possession to insurance company

There is a processing fees, do check with your insurance instead of listening to workshop or runners. Cant recall how much....


In total lost case, what happen to the car when I received the money? Is it still mine?
- Car will be deregister and belongs to insurance company, and they will auction it....

And how can I keep the plate no if i want to total lost the car?
- you can ask to buy back the car and request the car not to be deregistered aka repairable write off. you can either fix it to sell it yourself later and transfer the plate to another car.

minor damage + air bags usually make the repair cost balloon out causing the car to be write off, these can be easily repair.

Major structure damage, even you can repair it is not worth it, the car will not drive/handle properly and you will get water leak and rust after a while, if you sell it new owner will curse you nine generation

1. when workshop say top-up, it means top-up from your current insurance amount such as 11k+7k=18k kan? else your insurance sitting duck there?

2. the 1.5k is services fee you pay to the workshop to help you submit paperworks, follow-up, tow to insurance company, etc. My recommendation if you want to save up the 1.5k, go back to Proton and let them do.. over there you can discuss cheaper fee since you bought the car from them..

3. after total-lost, consider you 'selling' the car back to the insurance company.. all transfer needs to happen.. so if you want to retain the number plate, follow normal procedure to transfer the number plate before "selling" the car

insulan gip total loss for good reasons, if uu already wanting to get a new car might as well total it.. as for processing fee negotiable if uu did not agreed with them earlier

2 type of total lost, beyond repair and beyond economic repair.
The beyond economic repair is the car can be repair but the cost is more than the insurance value. If want to take back plate number you need to provide them with a new number.
The beyond repair is the insurance deem it is just scrap metal, you can get the report then bring it to jpj and you can take back the number.

Btw I didn't pay anything to them. The 15k sum insured for the car, the payout was like 13.9k. They took 1.1k from that insurance itself.

Was the 15k sum insured agreed value or market value?

It was market value. That value is more than whatever I could get from selling it, so consider okay la.

Then the 13.9k was the market value, not "1.1k taken by insurance or workshop".

Old car fix for what... somemore they wont give you new parts

I tell you what... take the 11k, then after a month or two, offer the insurer you want to buy back the car cheaply like 1-2k if you know someone who can fix it cheaply. Thats what they are doing with most total lost car.

Wah can really do this?