Family member at traffic stop, traffic was quite heavy. Traffic light turn green, traffic moved slowly. Fkler accelerate too much and rear-ended my family member car. Camry (old model) rear ended Mazda, camry (BAD GUY CAR)still looked okay, a bit of touch up kaodim, the Mazda (VICTIM) looking like it just came out of a 16 car pile up. Went to police station buat report, then the other party called, say their road tax expired and want to settle outside. Anyone got experience, please share?

Sorry if i confused anyone, CAMRY IS THE BAD GUY YA. He rear-ended my family member car.

This post has been edited by aurora97: May 23 2025, 10:07 AM

When settle outside, u pay them or they pay u?

Chances are he won't be able to afford to pay for the repairs since he's driving an old car and can't even afford road tax. Why take the risk?

insurance expire also cannot claim.

Can still claim
https://www.hoi.my/cms/what-to-do-when-some...s-into-you/amp/

This post has been edited by Stigonboard: May 23 2025, 09:46 AM

They say go to their workshop and they will pay the workshop. I scared later their workshop do a shit job, the panel wavy like fk.

a big no no, heret him to lockup, later he no show after your are repair, you tanggung sendiri GG

later they potong your car sell as part LOL

Please also dont settle tepi without making police report

You dont know whether the car is curi or belong to criminals and they trying not to go balai

I see a lot of website di on uninsured, they all have one conclusion, you lose your NCD. MCCB, the fella uninsured and is our problem... sue the fella in court would cost more than the repair itself.

Only for personal injuries. Damages cannot claim.

if you sure 100% win, you can claim the legal cost from the other party as well.

insist to go back bermaz or to your own trusted workshop
Keep police report until all fully settle.

This post has been edited by Anubis77: May 23 2025, 09:51 AM

Problem not me who can heret him to lokap. Polis also relax only. When the Sarjan check and know the fella don't have road tax, he say better just settle outside. Really MTF? The law say, max also he get RM3K fine or worst his car get confiscated. Doesn't look like its happening any time soon.

sad reality ... sarjan also malas layan

if minor... ask him to pay RM300~500 to settle and you go touch up paint je

or ignore and pocket the money, let another fella hit you later

Settled je ... make sure workshop is aware who's paying .....

Dont put cacing inside butthole.

Proceed to legal claim. Let PDRM issue them saman and IO do his job.
Let your insurance handle. Can be fix without burning your NCD. Contact your panel now.

DO NOT ENGAGE SETTLE OUTSIDE.

just report polis,you don't know what kind of person the mazda owner is

if the person is a responsible person then he won't even dare to drive without insurance and road tax at the first place

This post has been edited by KevProp: May 23 2025, 09:55 AM

settle outside? u better get that fucker in jail for driving an expired roadtax vehicle

ok good point. I didnt think that far.

Good to know thanks! Ya, will see it all the way through.


This is what i understand, if got injury can claim with MIB but your car destroyed also, you a fked, if the guy got no car insurance.

Court i think the repair alone won't be more than 10K, go court have to hire vampire, the cost already like 10K, can recover cost + repair cost = 20K? A bit doubtful. You know any lawyer handle accident cases and what they charge?

Insurance also cannot afford. Stress now, get quote from Bermaz later come out 5 figure, confirm the MTF gonna ghost.

This post has been edited by aurora97: May 23 2025, 09:56 AM

You paid hefty insurance for a reason. Use it wisely. Jangan buat bodo.

Can always go to court and sue

If you are planning to repair your car outside better bring to your prefer workshop, ask your workshop to quote the repairs fees and ask that fella to pay 1st

Take a piece of A4 paper and write down an agreement between you and that fella and sign (even its not legal its better then nothing)

If you planning to do polis report better do it soon and dont exceed 24 hours after the accident

The car boot cannot close and the car cannot lock, bumper drop down crack half.

Called agen, confirm lose NCD. Really damn kau tulan. Even cacing in butthole doesn't feel that bad!!! MTF...


Camry is the bad guy. Mazda is victim.

If i IGP confirm i ask polis go find the fella, alas, our family is nobody.

never ever do that, i did once. end up the guy went and do police report then i'm the one who kena saman cos legally you're supposed to do a report

u ask police what procedure to take, rather than guessing

Follow the rules. His problem not having road tax etc. If you let him go this time he will do it to other pipuls.. btw im ex mazada suv owner, apa-apa better you go back mazada paint & repair. Price is expensive but workmanship and parts is guaranteed.

earlier you mentioned "camry still looked okay, a bit of touch up kaodim"

cannot close need hammering work, bumper replacment, etc... easily few k

baik go claim your own insurance Knock for knock and let them settle with the other party and you dont lose your NCD.

do both...settle outside with him but your own workshop
and escalate the police report to SISPAA because the sergeant refused to take any action because driving without a valid insurance and roadtax is illegal

I see this one talks about body injury but nothing to cover vehicle damage, meaning claim your own insurance and lost your NCD.

Okay police report done. Now waiting for accident report.

What happened to you case? You kena saman wtf??

Sarjan say settle outside. Which i dont think is right.

I think komen in /k make more sense compared to the Sarjan.

yes, correct.
its a stupid system that favors people who willingly flout the law.

if it were me,

if repair cost is > 2 years NCD then just claim my own insurance.
if less than 2 years NCD, tell the guy I want to go to service center. if he refuse, i say i will tanggung half the price so he pay half only.

i never trust outside workshop for bodywork. for sure they will fuk something up.

you would probably need to get lawyer quotation for that, they usually have a standard pricing across the board. if kenal loyah then can get discount on goodwill basis.

just go make polis report, and make sure you are not the 'at-fault' party. probably you can claim OD-KFK without impacting your own NCD at worse case scenario.

Oops, my bad...

My advice is don't settle outside 10/10 case settle outside case I saw not going smoothly, does not worth the NCD you lose IMO

This post has been edited by KevProp: May 23 2025, 10:08 AM

Dont ask agent, call insurance company and ask for solutions.

No, it’s 1by1 at Taman Sentosa tonight

if that fella no roadtax then for sure no insurance... if not mistaken drive without roadtax only saman RM300 and causing accident also another 300..

u make police report also he kena 600 max... unless u wanna hire lawyer to sue him la... but for sure u need police report to claim your own insurance and u will kena saman as well if not report the accident within 24 hrs...

This post has been edited by Sukhoi35mkm: May 23 2025, 10:32 AM

whats the point then?

take up front money, otherwise go ahead with the police report

always report first
then apa machiam settle talk later

mana boleh claim for car damage

first ur english teacher is crying.

2nd takde road tax no need susah, no issue

but takde insurance baru takut. cannot claim.

Didnt know can report like that? If police isn't it EAIC or somehting?

You make the most sense... but damn bitter wei still have to come out half (even if less than 2 year NCD).


Ok I think all this 3 komens make the most sense.

so , it pays to drive without road tax/insurance

ask u settle outside ........workshop promised cover mountain cover sea repair like new.......later collect car, repair not to your satisfaction, they no give a fark looooo.....unless u go to a workshop you know well.

Report polis then ugut saman sivil. Or terus saman sivil.

there are quite a few bodies that do the same thing
u can escalate the report to all of them at once

every public servant also can be reported for not doing their job

What kind of stupid laws we have. Now wonder high fatality accident here.

pandai. the one who untung is the loyar

better engage third party to find the camry guy, then ask him to settle nicely

if kana with jpj , end up car kana compound saja

if langgar ppl, still can settle outside, police wont tangkap one since this is civil case. up to the victim whether willing to engage loyar to sue the perp

inspector was hinting me that i am wrong cos no do police report (a.k.a wanna rasuah lah) , gave him some $$$ and be done with. This was AFTER i repaired / fixed my car, like a month after the incident.

so do not trust the other party, they are at the end of the day strangers

i experienced very similar situation… go workshop, wait like a fool… ding dong.. say don’t want to repair.. go ahead and report.. other party wrong, pay fine.. but to claim their insurance..got so many clauses, just give up!

This post has been edited by KenM: May 23 2025, 10:31 AM

ask to pay RM5,000 in 24 hrs. If not then go to report.

i think still can submit to small claims court right? claim directly from that person.

Read further can also sue the other party

lol get official police report la.

no such thing as settle outside, if really want on the spot transfer cost of repair + inconvenience.

u bring to their place, is like u walk into prison showers with 2 soaps

Normally I call my insurance agent to settle it for me.

They sure help one to get the repair money.
Even though the other party no insurance.

I think im gonna make my own solution if the person said they have no roadtax insurance firsthand

>letter agreement (make tons of copy and put in a file and sit in your car for this situation) which require the fault person to sign and agree to cover the cost of repairs
>ask for RM3000 minimum (you can set your own minimum)
>take pictures, i mean tons, IC, car both sides all angles
>do police report regardless the situation
>once you have the money, just go to authorized 3S car center and repair damages with cash you got.

Malaysia law is stupid. The one violating the law, ended up lose nothing but as good citizen you ended up paying the damage and lose your NCD

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?

Those who tell you to proceed with the report or file civil suit have totally no idea how it works in reality. I kena this exact scenario before and I can tell you, if that fella willing to give you some compensation, take whatever you can get.

Tell him straight, if he want to settle, do it NOW with no delay. Otherwise just proceed to file a police report. And instead of losing NCD, opt to repair out of pocket if the price isn't too much. Otherwise, for such an old car, just use insurance.

This kinda shit.problem been happening long time....last last sendiri.claim insurance....shit undang undang no.update

Pulis report > All, be like macha 4x4PDRM

This post has been edited by keyibukeyi: May 23 2025, 03:37 PM

To change your bumper, boot and lampu, and bent body of your Mazda in ur service centre also i think >RM10k. I would rather burn my NCD than risk fixing my car in a shabby ah meng ketuk magat workshop under the tree, and then having to fork out more than RM10k to redo it later.

Last time got 1 ktard chase 1 guy till court civil court kes just for the experience.....i think end up the guy also masuk lokap for diff kes...if im not mistaken
A very long kes.

This post has been edited by hickups: May 23 2025, 03:38 PM

So the Boot dented badly and cannot close, the bumper bent and patah.

Bring to workshop, together with the Bad guy (this time he drive his Tesla, instead of old camry), workshop give quote 1.6K to 2K. Say will give final quote after check all the part prices.

I told my family member go check with insurance, how to claim insurance and what happen with her NCD (I told her confirm you lose NCD, even though accident report clear you of any fault). She say no need, very confident the Bad Guy will pay.

So the workshop came back with quote just now (3pm+), the quote is RM 2.7K. Bad guy say too expensive. HAHAAHAH... Looks like NCD bye bye.

Got ask workshop check your reverse sensor and camera still working boh?

https://forum.lowyat.net/index.php?act=ST&f=20&t=4485433

This kes
Now more car no inso n roadtax...cause no need tampal
Not sure how polis check

This post has been edited by hickups: May 23 2025, 03:47 PM

Cheap ass lawyers not aggressive to win the case. Kena b4.

Thanks! Ya I recall seeing this thread. This guy is a legend.

Tbh, you just need car plate (if car plate is fake than GG, its another whole new problem), nowadays can easily get info especially if you know a runner (does JPJ work), someone from Traffik or even insurance company (deals even vehicle claim).

Then I rather dont pay road tax and insurance. No liability at all and law and polis can't do me shit.

better hire ah long to simbah red paint to warn them first
show them u meant business

I guess comprehension is not your strong suit

The no roadtax , at fault is the old car, the damage no bad

The victim TS fren family etc is a Mazda, newer car I guess,
Rear side kena bad, not simple repair job

The old car say dun report, settle outside
The new car damage not like simple outside can settle one

Exactly,

Rempit overtake me and being bang by opposite car, rempit melantun and hit my car, I siap sent him to hospital.
Esok go lipot, popo say that bike no roadtax, cannot do anything wor ... mch pkm hkc, i dig my own watter for the repair.

Don't just let them off the hook. Demand half, demand 1k whatever can get out of them. Because even if you made the report, the would only issue a fine to them (rm300) if they even pay it. Probably just gonna wait till year end discount. For claiming damages to you, as far as the police are concerned it is a civil issue. You would have to sue them in small claims court (under rm5000) to get recompense. Now just think about it, just to engage a lawyer to fight the case is going to cost you more than 5k. And even if you do get a judgement, they can still choose not to pay.

Just

If he knows u r rich and go for civil sue n freeze your asset etc .......that would be another drama. Who knows what the other party background.