I recently got into an accident, the driver behind me knock my backside.

At the time, I chose to report polis. Both of us reported and he was fined RM 300.

Later I found out that settle might have been better. The repair bill was RM 450 but if I go and wait for the insurance people to do their thing, it would take over 1 month.

Lesson learnt: IF it is a minor knock, then just ask to settle. Not sure of the consequences if the other offending party decides to report and you don't. I guess it's a trust and gentlemanly agreement issue.

Summary: Not my mistake, but have to pay RM 450 out of my pocket so I get the car quickly. My insurance is AIG.

sometimes, what appears to be minor, when you actually look within....

AIG is gutter level insurance

reporting it is to protect yourself .. and also a responsibility

as for the repairs - whether you want to self settle or go through insurance is between you and the fella lar AFTER making report

you might agree with that fella not to report - but then, that fella go report behind your back - then you are the one who will kena slap with the myr 300

you foreman lembab jer
i got mine fixed the next available day
whatever is between the foreman and insurance , not my business anymore.

report and claim insurance are mutually exclusive

u can report but choose not to claim insurance and settle outside if its not too serious

you consider lucky the lorry driver to take responsible

that is if the forman willing to take the risk.

many workshop only will proceed with repair when the insurance company agree with the amount

I open my mouth and say claim insurance from the start.

The offender not wanting to pay anymore after that RM 300 saman, claiming I am now protected by insurance.

Lucky him lah, I pay myself and don't claim his NCB.

if doesnt involve bodily injuries, just settle

report is a must. paying or not for the repair is another story..

Yes if minor just go make police report and settle.

Only serious case need to invovle Insurance.

But, must go report to protect urself no matter what.

btw, let unker teach u trick.

Just ask the inspector involved if got recommend workshop.

Normally they do, if you go where they recommend for sure they fix fast and insurance also they will settle.

100% u no need mafan, sometime got courtesy car to drive too.

go search wat is "Own Damage Knock-for-Knock" (OD KFK)

#dontaskhowunkernoe

This post has been edited by karazure: Dec 5 2025, 01:15 PM

why dowan his ncb?

this

my sis in law car got ram into by a drunken chao ah beng

chao ah beng still dare to come down and lansi her say her car block the road

then he left the scene without leaving number

so she went to police station, file report and get inspector to help with insurance and workshop recommendation

inspector did the rest, even found the ah beng and got him to pay the repairs with his insurance

Another lesson learnt should be to change your insurer: Allianz n MSIG much faster

But minor also, if that guy agree to pay then later disappear you still end up repairing yourself. Too late to report.

Settle and then go claim his insurance la.

Owai

provided the workshop do everything smoothly, else you are fucked

offender is correct, after report police, its covered by insurance, they no need stay in contact with u

when I got rear ended, report and sent car to workshop
the workshop handled everything, they even ask me to take grab and collect the receipts, they claimed everything for me.