hello peepz.

i am not fluent in insurance nor have i been in an accident to this degree before, so i humbly ask for opinions and experiences.

relative kena accident, tow to workshop.

front end accident, langgar benda, bukan kete lain.

first mistake, deal with those roadside tows instead of insu tow truck. but what's done is done.

relatively new car, <5 years x70. they tow to non-proton workshop. i thought should be tow to sc if quite <5 years.

now the workshop is saying the cost of repair is > the insured value. need to top up.

well ok but the amount need to top up is beyond my relative's financial means currently.

now they giving option, send to proton sc or repair with them. but if wanna retrieve your car, need to pay rm500. wowzers.

so my questions are:

1. since the amount to repair is > the insured, can't we go for total loss? the workshop seems not to be mentioning this option altogether.
2. do i deal with the insurance or the workshop now? not sure if just this workshop but insurance panels always seem kinda shady.

called hotline. say this is outside insurance, this kind of fees cannot claim dy, is between me and workshop.


yeah contemplating that. since they're already saying repair cost is > the insured, thinking should just let them proceed, then at the end claim total loss.

since i not the owner nor the langgarer, the hotline didnt gave me many options to do anything besides some q&a.

i'll try to convince the owner how they wanna proceed. but the agent told me the cost to retrieve the car is between us and the workshop, they're not liable.

so if i want to switch to proton or any other sc, we'll have to fork out rm500.

yeah, thats one of the things agent went through with me on the phone.

maybe they're just doing their job but their tonality overall is just giving me alot of heebies jeebies.

if im going for total loss anyways, and it's not like going for higher repair cost will actually give me that much money, cuz the insured amount is quite low anyways, maybe we can just proceed with this shady workshop.

zurich.

yeah, they having huge headaches.

welp fuck. i love mechanics and i know they need to make a living but sometimes they just feel like cutthroats man.

didnt know sc will also have charge. :0
but i think in this case should be able to claim the fees with insurance? hmmmmm.
thanks for the info!

i think market value sadding

apply online sebab cheap

the insu amount lower than the amount owing bank

very sad situation

ikr. they have a stream of bad luck lately. but what happened happened lor have to roll with it.

i see..... but if the sc will have this charge, its likely the outside workshop that they're in will also have this charge also.

but if they want to switch to proton sc will kena 500. then total loss another 1k. 1.5k. but possible to nego, total cost 500.

if they stick with current workshop, assuming they charge the same, 1k. most likely non-nego with this party.

owner has difficulty making some decisions and because we live close, become that we have to become close and become involved by proximity. but i digress lah

thats an interesting option, if this goes into that direction, maybe can authorise me or their closer kins.

thanks for the info!