OH MY FKing GOD

What if, on the other hand, the accident was not your fault, and you are compelled to make a claim with your online car insurance carrier to cover the cost of the damage? If your insurance policy is comprehensive, you may be eligible to claim ODKFK also known as Own Damage Knock-for-Knock. You may claim your own car insurance under the ODKFK claim without jeopardising your NCD status if you have a Police Investigation Outcome establishing that the third party was at fault. As a result, when your car insurance policy is renewed, you will continue to be eligible for NCD.

However, there are several exceptions when it comes to ODKFK claims, such as the ones listed below:

If the third-party vehicle is used for hire and reward, such as Grab/Uber, taxi, hire buses or school buses,
If the third-party vehicle is not insured,
If there is third-party bodily injury involved, regardless of who is at fault,

Same thing happen to me last march. End up burn my own NCD, nothing much we can do if the other person no insurance road tax, police said only can saman him , car repair cost either sendiri settle with the guy or just claim own insurance and burn NCD.

me kena oso la last few mths...see the guy oso no money from top to btm after coming out from car...traffic was heavy and road is narrow...dunwan coz jam...so i str8 go polis report...check2 mampuih the guy insurance expired 1 mth...the guy smart never even go balai together coz he know he gt shit

no luck ...consider me unlucky

Yea, sadly this is the facts.

petition Anthony Loke....

lol

post to x.com and tag fat loke :X

probably the driver has expired license too LOL

from my experience

don't give a fck about want to settle tepi or not, just go file police report

especially don't give face, whether it's same type as yours or not, don't care whether that other party is lenglui or pity old man

I already kena once:
T junction, I'm minding my own business then suddenly can feel kena bang 2x from behind, that chinese uncle say wanna settle outside, okay fine because it's already night time and I need to go dinner to meet up with family

tomorrow morning I called him quoted RM600 for repair from one workshop, that fcker didn't pick up the call for 1hr 15mins straight (called for 58+ times, I can show you my call log proof if you want), then finally picked up say he is very busy man, said oh where got RM600 for my shit car - my car Altis 2011 by the way, I told him "don't like this leh you bang my car last night said wanna settle wo", he die die also don't wanna pay me RM600 but wanna pay RM60 instead for my bumper, I hak tuih him and go file police report, he ended up kena saman RM300 but I burn my NCD - fair price to pay

make police report la easy

another day in mereisia

already say is bad guy, go lipot polis catch the sei sohai la

no money for road tax and insurance
settle outside = bring you to this member punya dodgy workshop that promise heaven but will be hell for you

Unfair advantage for offender. That's why we see alot of road accident and road bully in Malaysia. Enough with that tak apa attitude.

Whatever it is... make pulis report first

Mershia, where the road is full of motobodo and kretebodo!

Malaysia need tougher law against ppl driving non insured car

At this point it's SUPER LUCRATIVE to drive without insurance. Cos polis buat tak nampak ask u settle outside.

I heard in the US u drive without insurance they throw u in jail and compound your car.

Injuries only dude

See the details

Claim ur own insurance. Tell him to pay ur ncd for 5 years.

Need to set aside min 20k.

o shit. anyway, can just try buat bodoh first.

police report dulu to protect yourself.
then start to settle outside and if resolved within your timeframe n your own workshop, retract report.
otherwise, pray insurance resolve it for you.

Who said?