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 ?

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

You can claim under OD KFK

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

Call insurance company

They are the one decide

you ran into her bumper you want to claim what?

claim yourself NCD la

what reason they reject?

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.