want to know about...
YOU SHOULD KNOW WHEN MAKING MOTOR INSURANCE CLAIM?
If your car is involved in an
Take note of the names and
addresses of all drivers involved, make/model and registration numbers of
each vehicle, the drivers' licence numbers, the insurance particulars and
names and addresses of witnesses.
Make a police report within 24
hours and immediately notify your insurance company in writing with
If your vehicle is damaged, you
may either make an own damage claim or a third party claim: Own Damage
Claim - making a claim against your own comprehensive policy. However,
you will lose your NCD entitlement. Third Party Claim - if you are
not at fault in the accident, you can submit the claim either directly to
the insurance company of the party at fault, or if you have a comprehensive
policy, to your own insurance company (KFKOD
Claim) without losing your NCD entitlement. You are encouraged to submit
your claim to your own insurance company for speedier claims processing.
For own damage claims, call your
insurance company immediately for advice. If your insurance company
recommends or requires that repairs be done at a panel/authorised workshop,
then take your vehicle there as advised. Your insurance company will reject
your claim if your vehicle is sent to a workshop that is not authorised by
your insurance company. Your insurance company will send an insurance loss
adjuster to assess the damage to your vehicle before authorising the
It is applied when in the course of
repairing an accident-damaged vehicle (age of vehicle is five years and above),
an old part is replaced with a new franchise part. You will have to bear the
difference in cost (depending on the age of your vehicle) as your repaired is in
a better condition than it was before the accident.
COMPENSATION FOR ASSESSED
REPAIR TIME (CART)
CART means a reasonable amount
payable by third party insurance companies as compensation for loss of use
You can only claim for CART if
you are not the party at fault in the accident.
The number of days allowed for
CART is based on insurance loss adjuster's recommendation on the number
of working days estimated to repair the accident-damaged vehicle and not
the number of days the accident-damaged vehicle is at the workshop.
Where receipts are produced for
vehicle rentals (only from a licensed car rental company), insurance
companies shall pay the amount shown on the receipt and original car rental
agreement, subject to the condition that the vehicle rented is of an
equivalent model to that of the damaged vehicle. The number of days allowed
is based on the insurance loss adjuster's recommendation on the number of
working days estimated to repair the accident-damaged vehicle.
HOW TO LODGE A COMPLAINT AND
REDRESS AVENUES AVAILABLE
Submit to Complaints Unit
(CU) of the insurance company concerned
If Satisfied, Complaint
If Not Satisfied (seek
advice from CU), Write to either:
the Customer Service
Bureau of Bank Negara Malaysia; or
the Insurance Mediator at
the Financial Mediation Bureau.
Alternatively, you could
take your case to court.
to contents |
This is USJatyourservice,
Service At Its Best! provided by kooagency