Damn, few weeks ago got 1 aunty didnt stop at junction and i run into her car's rear bumper.
the result out say is her fault but i cannot claim due to section 52 coz she didnt report.
end up makan sendiri. is this some sohai loophole that can prevent ppl from claiming their insurance??
what are the repercussions for her not reporting? how is it fair to the victim?

anthonyloke must resign!

https://blog.poi2u.com/2021/11/01/how-to-ma...-police-report/

if she dont report - then its hit n run right ?

but, dont understand why cannot claim - her insurance lodtax mati d ?
if its her fault as in the report, pass to your insurance company/agent - ask them to process claims against her insurance ?

wow, sound easy. i try to engage my agent

because she didnt report. i send to insurance claim workshop, they said cannot claim just like that

SD only proves your version of events, not that the at-fault driver complied with the law. The blogger did not further update his result, so did you successfully did it yourself?

https://forum.lowyat.net/index.php?showtopic=4485433&hl=

serious kopitiam but 'anthonyloke must resign' zzzzz
anyway, title misleading - its not cannot claim but the claim is not straight forward.. it takes some time where police will request the person to come and make a report.. if the person appears and make the report, then keputusan can be established and you can proceed with the report... if not, then follow the link said to claim third party.. workshop usually dont like todo third party as they need to fork out their own money first for the repair then takes sometime to claim back.. https://blog.poi2u.com/2021/11/01/how-to-ma...-police-report/

This post has been edited by pysh: Aug 26 2025, 12:19 PM

This. haha. Similar situation to TS happened to my mum many years back. She offered cash to settle it on the spot but the front car meroyan complain demand need to change the whole bumper. Negotiation broke down and we happened to have family friend who is owner of insurance claim company. He looked at picture, the damage, back then no dashcam somemore. He straight up said that sohai going to regret not taking the cash. He said whichever sohai agent accept this case going to get assfucked by his superior. Too much work for nothing in return.

If damage bumper only better to just sendiri bikin. Insurance company HATE dealing with hit n run small value case.

Maybe, just maybe expired DL which is very common. Or no DL, MI and RT.

BTW AI must also resign cos insurance matters are under BNM 🤑

Asal you can push sarjan to issue investigation outcome in your favour

You can claim under OD KFK

cowboy country... all lazy one to do work

Iinm, u must report and police must state it's not your fault in the findings. Only then your ncd will not be affected

keputusan already in my favor. sent to panel and they said kenot claim wtf..

not that easy. read again

Call insurance company

They are the one decide

yeah already checking with the insurance company

claim under own insurance - KFK

if can find other vehicle insurance they will source it, else you lose NCD

as long as you fulfill the criteria stated in Section C (3) of the policy



Insurance company cannot deny your request to convert to KFK

this, if the damage isnt severe dont bother going insurance as much as the point of insurance is meant to cover these. the amount of paperwork, time taken and bureaucracy shit is just too much for something minor

i caused an accident last time, involving two cars who rear ended each other cause i hit one. when inspecting the damage i caused, the car i rear ended cannot close rear boot and bumper crumpled. front car just minor scratches

the front car dude most behsong at me cause his car very atas (box MPV). the one i rear ended was just quietly sighing at his bad luck on his damaged old car. i apologised to both and then told them to bill me the workshop fees nia so in the end no police report made. sux to pay but need own up to own mistake samore back then i only fresh grad, so luckily negotiated to pay in installments to the fella per month instead of one shot pay

but lol really the MPV one just minor scratches yet i paid RM800+ to cover only his repainting fees

you ran into her bumper you want to claim what?

claim yourself NCD la

Bro, correct me if I am wrong... Doesn't OD KFK require the other car to be covered under comprehensive insurance? I remember reading about this condition.

Asal ada valid insurance is enough

what reason they reject?

learn to read. sarjan also said is her fault already

because section 52, the other party no report. that's what the panel told me.
i made a complaint to the insurance, they ask me to send to other panel

Claimant must have a comprehensive policy.

The other car must have at least a third party coverage which is the minimum coverage for a motor vehicle to be on the road.

Nonsense, of.course.can apply otherwise what is the point of insurance

Yeah, I am aware claimant needs to have comprehensive policy. Just that I thought I read that to claim from the other car, the other car also must have comprehensive policy (yeah, it does not quite make sense).

pulis dont want to do paperwork is it
if like this next time kena accident then can just dont report then no need pay le
but also i cannot seem to find an updated post about what to do when kena accident and how to claim if the other party have no insurance ala grab and foodpanda rider type

https://bjak.my/blog/accident-with-an-unins...earn-what-to-do

As for filing a civil claim, our insurance friend says that is always an option, except it costs time and money, plus finding a competent lawyer to take on the case. “If you have the time and the money to spend, great,” says our buddy, “if not, just claim against your policy and be done with it.”

This post has been edited by metalfire: Aug 28 2025, 10:51 PM

last month, we kena knocked by some lorry driver who opened his door too damn wide on the roadside while we stopped at the red traffic light. Filed police report with details and everything, then polis updated and said the lorry driver didn't report anything and did jack shit. After consulting with insurance, he wrote a statutory declaration of the incident.

ikut google AI:

the insurance company will then pursue on your behalf. that's all i know anyway.

Then it's your sarjan lazy tak nak buat kerja.

I once involved with car accident when i entered the room with sarjan, he even promote his part time side business sell gold to get comm at Kepong branch
and also brag to me he is going to finish his house loan this year in his 40s.

You can always go back to balai and ask for another solution.

But for most of the time, i wouldnt say 100%, but most of the rear bumper case, for sure rear car fault one lar because dont have safe distance.

Nope, I encountered the same issue long time ago but still can claim insurance without affecting my NCD.

Based on my case, my insurance company asked me to get the oath certificate in order to replace the 3rd party police report.

you should really learn to read.
in the first post ive written this "didnt stop at a junction and i ran into her car's rear bumper"