RPM_freak said:
Dude .. are u sure? even if u driving alone in the highway and u hit the railing u need to pay RM300, i think its a standard thing is it .. ? ... From what i know, the police report can be obtained in a few days (need to get the copy certified thats all), most of the delay is going to be wasted in the insurance claim process... You drove a Wira SE rite, i also same car accident ler .. but not so teruk.. just front part kemek .. and tht is alredy taking more then a month to clear .. everytime call .. they say waiting for tht report la .. this report ler .. Grgrgr ..and make sure they use ori parts... !
if we caused an accident, then there will be summon for sure.
the saman will normally state 'gagal mengawal kenderaan'
in case of hitting highway railings @ divider, PLUS will just claim from our car insurance. that is why, it is compulsory to have 3rd party coverage.
for new cars 4 years and below, Bank Negara regulation is all parts must replace with new and genuine items.
example for proton cars... black color bonnet is genuine. grey is non genuine. genuine one is a lot heavier than non genuine.
for cars age 5 years, betterment is 15% from new lists(not net items) parts price.
meaning if the bonnet RRP is RM1,000.
minus trade discount 20% @ RM200
minus betterment 15% out of RM800 = RM120
insurance will pay RM680.
but insurance policy allows them to pay non genuine items instead once car is 5 years or older. for example my car is 9 years old. headlamp is terrible olredi even though original. it wont be fair for insurance to pay new headlamps when the broken one is 9 years old. if that's the case, there will be so many fraud claims arising which is unneccesary.
in order to ensure genuine items fitted, we can always send our cars to franchise workshop instead of independent repairer. no hassle, but normally franchise dealers will wait until approval comes from the insurer then only will start repair. where else, independent repair will commence repair once adjsuter had surveyed the car no matter how much the insurance pay.
in the case of 2 cars accident from diffferent direction (eg X jucntion with traffic lights) and police not sure whose fault, they will put this case as RTI. nobody get summon.
* RTI = refer to insurance.