Dec 5 2025, 01:20 PM
QUOTE(p1p @ Dec 5 2025, 12:31 PM)
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.
Another lesson learnt should be to change your insurer: Allianz n MSIG much faster 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.
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