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View Full Version : What would U do on a minor accident ??



willi
08-09-2006, 01:23 PM
Last Wednesday, a lorry has banged into my car which was parked in my office compound. This has caused dent on my rear left passenger door & the mudguard area.

The driver refused to pay & both of us has lodged police reports.

I have checked with a workshop in Sunway & it will cost me $400 to repair my car.

How do I go about to make insurance claim from the lorry's insurance company ? Was informed that it needs many follow ups to do with relevant parties ? Is it worth to go through the hassle, as the amount involved is rather small.

Appreciate your advice. Thanx :)

pucman
08-09-2006, 01:56 PM
Look for a workshop that handles all the claims for you, you don't have to do much except hand him the police report.

You must also know what insurance company the other people has, if it is Tahan insurance, then you will have difficulty getting the money.

If you are rich, might as well pay yourself.

willi
08-09-2006, 02:04 PM
....If you are rich, might as well pay yourself.

It's not a matter of rich or not so much money ( I wouldn't say poor :D ), but with a small value involved, I am afraid that the workshop might feel reluctant to handle it.

Can I repair first & claim later ? Does it work with 3rd party claim ?

PJS
08-09-2006, 04:27 PM
If u hv lodged a police report, the investigating officer shd give a report upon completion of investigation and conclude which party is at fault. Then the party at fault will hv to pay a summon and u can claim from his insurance.

There is a provision for u to claim the costs from your insurance first, then they will claim back from at fault party's insurance. This is called..err..knock for knock claim, or somethign like that. It will not affect your NCD too. The thing is, you gotta prove the other party is at fault and that is dependent on the investigating officer, sometimes it takes a looong time b4 it is concluded, or sometimes there may not even be a conclusion.

Your own insurance agent or any of the insurance company's panel workshop(find the list in your policy) can advise you.

That is why, in such cases, the smart alecs who knock into you will try to intimidating approach, they don't want to settle, and file a police report together, knowing very well that they may not be found to be at fault at all, and most of the time the victim such as yourself will just take the easy way out by paying for your own repairs and forget about the police case or the troublesome claims.

I had a couple of these unpleasant experiences myself! :mad:

iml109
08-09-2006, 04:33 PM
If u hv lodged a police report, the investigating officer shd give a report upon completion of investigation and conclude which party is at fault. Then the party at fault will hv to pay a summon and u can claim from his insurance.


I thought both party will have to pay the summon and I heard its RM300? My ffil who was a cop last time usually ask me to settle out of police station... and sometimes its frustrates me to settle outside coz i wasn't at fault (but then, his reasoning is like what u wrote, less time consuming, little bit of extra expenses only). :(

And oh yea.. if u claim insurance, it doesn't affect ur NCD?

willi
08-09-2006, 05:20 PM
If u hv lodged a police report, the investigating officer shd give a report upon completion of investigation and conclude which party is at fault. Then the party at fault will hv to pay a summon and u can claim from his insurance....


Within how long is the estimated time for the investigating officer to give me the report & decide who is at fault ?
Is it the similar report which I have to pay $4 ?? :confused:

PJS
08-09-2006, 05:20 PM
It will not affect your NCD IF the third party is at fault. I think u hv to make it clear this is a 3rd party claim when making the claim. SO much hassle just to claim the few hundred, most ppl will just give up and send for repairs themselves... not worth out time n effort. That's how some of the culprits get away scot free! :mad:

But if u are a man/woman of principal. Stick to it, and get the bugger's insurance to pay up! :cool:

PJS
08-09-2006, 05:22 PM
Within how long is the estimated time for the investigating officer to give me the report & decide who is at fault ?
Is it the similar report which I have to pay $4 ?? :confused:

Ah, this will depends on how efficient the officer is, the circumstances of the accident, and how much solid evidence he has. Usually is at least 2 weeks to 2 months or even 2 yrs or indefinitely if the other party do not respond or cannot be found to answer to police's queries.

It is not the same as the Rm4 report which is only your statement.

willi
08-09-2006, 05:28 PM
.... when making the claim. SO much hassle just to claim the few hundred, most ppl will just give up and send for repairs themselves... not worth out time n effort. That's how some of the culprits get away scot free! :mad:

But if u are a man/woman of principal. Stick to it, and get the bugger's insurance to pay up! :cool:

That's the reason why I started this thread. Just fed up to go through all the hassle & wondering if it is worth the money.

However, on my earlier question, can I repair first & follow up with claims later on. The manager at the workshop said that it is possible trying. Afterall the sum is small.

Well, at the current time like this, every one will try to conserve any resources that we have, right ?? I will give it a try .........

willi
08-09-2006, 05:36 PM
Ah, this will depends on how efficient the officer is, the circumstances of the accident, and how much solid evidence he has. Usually is at least 2 weeks to 2 months or even 2 yrs or indefinitely if the other party do not respond or cannot be found to answer to police's queries.

It is not the same as the Rm4 report which is only your statement.

PJS - thanx for the info. Have a nice week end to all you wonderful guys out there !!!!!!

Aiyah ... tomorrow have to go & collect the car. There goes my $$$$ first. Hope can get them back later

tupai
08-09-2006, 06:29 PM
My decades-old experience with such misfortune is that I have learned to have & depend on a GOOD insurance representative.

The insrc agency handling all my family & extended families' case is a top class, professional insr agency...they have taken care of al our little & big general insurance claims withut much of a stress nor hassle to us, the victims. :D

Should yr ins agent not extending his/her help in your time of need, chug 'em away and buy from other more professional ins agency...PM me if u want to use mine. :D

Yang Ada Banyak knocks here&there lato tupai

pucman
08-09-2006, 06:29 PM
I thought both party will have to pay the summon and I heard its RM300? My ffil who was a cop last time usually ask me to settle out of police station... and sometimes its frustrates me to settle outside coz i wasn't at fault (but then, his reasoning is like what u wrote, less time consuming, little bit of extra expenses only). :(

And oh yea.. if u claim insurance, it doesn't affect ur NCD?


Only the person who is wrong will have to pay summons NOT both parties.

We can only claim third party insurance on the person who is wrong !

It is one way and not two way.

willyleect
08-09-2006, 11:47 PM
Claiming from third party insurance can be tricky, if the other driver did not lodge a report on the accident with his/her own car insurance company, as this will often result in delays.

Usually, you will have to go to the other car's insurance company to fill up some forms and submit your claims, with copy of supporting document such as police report, your IC, your driver's licence, your vehicle reg. card, copy of road tax, workshop's estimated cost of the repair, etc. and most important, photographs of the damage. You should call them up first to see what they require.

You will also need to inform your own car insurance company and give them a copy of the claim. This is to facilitate the "knock for knock" claim processing.

Check with the investigating officer as to when you can come back for a copy of the "Police Outcome". If it is a straight forward case where the other party is clearly at fault, I think it should take around two weeks. Pass the copy of this "Police Outcome" to the third party insurance company (provided that the PO state the the other party is at fault).

Your claim will then be processed by the third party insurance company and meanwhile, you may be called to negotiate on the claim amount and things like whether the fender/door need the be changed or can be knock back, etc.,

If everything is in order, it shouldn't take too long, since the amount is small and there is this "knock for knock" arrangement by the insurance companies.

Anyway, good luck to you.

Joe Gomez
08-09-2006, 11:55 PM
Anyone has had experience with Kurnia ???? How was their service ?

Sentinel
09-09-2006, 12:30 AM
Last Wednesday, a lorry has banged into my car which was parked in my office compound. This has caused dent on my rear left passenger door & the mudguard area.

Did you not say the accident took place inside your office compound?

Is that lorry a company lorry too or a supplier's lorry?

I am sure there are many ways to skin a cat, get the report to the transport company's boss, especially if the lorry is a supllier, at least there is some pressure applied on the lorry driver by his boss to settle.
:rolleyes:

PJS
09-09-2006, 01:17 AM
Actually, you should not have repaired the car before the insurance company get to look at it and assessed the damaged. Once u repaired the thing, it is rather difficult to deal with insurance ppl coz they can't see the actual damage. Moreover, they may need an adjuster to do the damage assessment b4 repairs,(not sure if required for such a small damage coz the adjuster fees may come close to the repair cost itself!)

Another point is, if it happened inside a private compound and not a gazetted public road, there is no police case! It will be a civil case.

I once had a drunk nightclub gro crashed into my car in a condo parking lot. There was only 1 witness to the accident n he was half drunk too. I found out from insurance co that I need to initiate a civil suit to recover the damages so I went to see the lady at her nightclub to demand reimbursement of damages in person, she & her gangster-type 'boyfriend' were very nice, said ok ok, u get it fixed then we'll pay. They must've sized me up during that time coz I was kinda overwhelmed by the grand nightclub and looked so innocent or naive at the time. I was much younger too. Not as 'seasoned' as them. [edit: another point, they may pretend to settle to avoid u going to report police. Once u fall into trap and fixed the car without getting some kind of damage assessment, it will be tough to claim]

ok lor, I sent car to repair shop and got it fixed... then, few days later, I called her to meet, she brought her bf, then argued until cows come home also they deny the incident and refused to pay, I was damn pissed off, even got the witness and few other ppl on my side in the nego, but still no deal!

Fact is, the 'intoxicated' witness may not be admissible to court and I hv no other credible witness mah, how to sue? Other than beat the crap out of them, how to recover? Really hv to makan sendiri lor! :mad: Take a chill pill and forget it lor. Only needed to replace a cheap bumper, no point losing sleep over it, consider myself lucky I didn't waste that few hundred RM in a nightclub instead, hehehe.

So the moral of story is, if it was repaired and no damage to show, how to 'keng sou' wor? And better bring a powerful taikor if u want to demand for a settlement!