I need to change to your insurance provider. AIG not serving me well. Grab for me is RM50 one way to work.

why didnt claim his NCB?

Got one more thing, insurance doesn't quantify the inconvenience and mental cost incurred and compensate u. So if possible, better to avoid, no net positive gain towards the end one

I decided to pay from my own pocket due to time taken to repair. Self repair = 2 days.. insurance = 30 days or more.

Polis report was made but I won't get insurance involved.

Wait till you sell the car, hggnh

Stand on the other side and see, if I pulis I kena saman RM300 ..... if I settle you greedy I loose RM450, you not so greedy I loose RM300, you easy bully, I loose RM150, you super easy bully I loose maybe RM50. Problem is after "settle" doesn't guarantee you won't pretend that you have not receive anything and make a pulis report anyway to claim insurance .....what I loose? Everything + what I paid. That's saman + settle.

So ........ no.

max I claimed is rm70 a day, on average is about rm35/day
my insurer is Etiqa
I actually sent my car to my usual workshop as for help, they help me send to another workshop that can claim insurance
I never asked any questions, just sign authorization letter and let them handle everything, cant even remember the other workshop name
got back car in 3wks, sent them receipts, got back money in about a month

that means the workshop you go to has no customer at all

somebody i know that accident their X50, a month later still not their turn yet

friend kena same thing. kena bang buntut. settle sendiri. Send to brand service center for repair. Then send the receipt to offender, money banked in straight within minutes. Total cost rm1700. Time settle 1 week.

small issue better settle outside...

Update: sent car to workshop 9am / collect car same day 4pm! This mechanic has connections. Finally can use car again.

my lorry last time also ada accident. Granted, its my driver fault. Sohai gostan did not notice ada car behind. Lady bising2 ask for compensation Rm700. My lorry no rosak, her car just minor cratch. Not even dent. Told her the most i can give is RM300, she donwan. So i ask her to fly kite. Asked my driver to report police, kena saman RM300. Then she can claim from my insurance if she want. I chose to pay saman RM300 than pay her RM700.

In the end she did not even claim anything from my insurance lol.

I kena before 4 times my bumper break. Didn't claim insurance at all.

1st time - My fault so I compensate the other driver.

2nd time - Other driver compensate me.

3rd time - Banglas on motorcycle langgar my front bumper and ran away. This time I actually made a police report but then after asking workshop what is the cost to repair I decided I don't want to burn my NCD. Lesson learned, after this incident I quickly bought a dashcam.

4th time - I actually dented my hood but once again I decided repair at workshop cheap only, don't want burn NCD. In hindsight, this time I really should have claimed insurance because 1 year later I sold my car. At the time it happened I thought I will keep the car for a few more years. After that I didn't buy a new car so keeping my NCD was pointless.

For those who say, "Maybe got other damage that you don't know about," my car passed the PUSPAKOM inspection when I sold it off. I even had Carsome inspect it and they didn't find anything wrong.

And yeah, usually workshop very fast 1 day can kaotim, if not leave the car in the morning and collect it the next morning.

This post has been edited by JohnL77: Dec 5 2025, 05:57 PM