Polis refuse to give me 'Keputusan'

[bryan90s]

Hi all,

Can they actually do this? Polis Raja-Di Negara?

I reported a car accident on the same day it happened. So after 2 weeks i called up the PJ Traffic Station to check whether my 'Keputusan, rajah kasar, third party report' is ready and guess wat they told me?

"Takde...you punya case sikit saja so memang takde keputusan and watsoever...awak cuma bleh claim insurance sendiri"

When i asked whether i am the fault party then he say 'No'

fyi my car damage = change front bumper + paint = RM700++


How can this happened? i am not the wrong party and no summon is given to me also.

Now i only can claim OD (Own Damage) and burn my NCD next year...

 

[satria_95]

bryan,
May I ask how was the accident like? What happened in the accident? Just curious.
Anyway, if you are the innocent party, you can claim the other party's insurance for damages. That, as far as I know, is the law. Speak to your insurance agent and they should be able to assist you on this. It is their duty to assist you in accidents and claim cases. If your insurance agent does not want to assist you, let us know what company is that insurance so we will all avoid it. Also, you may want to think about taking more drastic actions on this case. It is totally unfair that you have to claim your insurance and cause your NCD to be affected.

 

[bryan90s]

It happened like this.

On a 2 lane (one way road). kind of curvy and i was on the right lane with a lorry on the left lane. When came to a 90 deg sharp right turn, tht lorry kind of like understeer and its tail swings into my lane and hit my car front bumper. Moments b4 that, i already stop my car to avoid tht lorry.

For insurace stuff, they say i must submit the necessary document, most importantly the result/keputusan from PDRM. then only they layan my claim

 

[seanlee]

It happened like this.

On a 2 lane (one way road). kind of curvy and i was on the right lane with a lorry on the left lane. When came to a 90 deg sharp right turn, tht lorry kind of like understeer and its tail swings into my lane and hit my car front bumper. Moments b4 that, i already stop my car to avoid tht lorry.

For insurace stuff, they say i must submit the necessary document, most importantly the result/keputusan from PDRM. then only they layan my claim

go get police report..and noted that admitted is lorry wrong and the lorry driver sign it..then pass it t you agent to claim it..
and then...your car must be in the Insurance authorise shop to do it...if you do it your own..yuo can`t claim it.

 

[normality78]

bring it to newspaper. sure "jalan"

 

[JINEIL2EN]

even tho u get the report, coz of under rm1000, insuran company will not giv a single sen to u too...

 

[bryan90s]

go get police report..and noted that admitted is lorry wrong and the lorry driver sign it..then pass it t you agent to claim it..
and then...your car must be in the Insurance authorise shop to do it...if you do it your own..yuo can`t claim it.

the problem is...the damn police informed we there is NO REPORT.

and why under rm1000 claim will not be layan? i doubt this is in the policy

 

[GT_AUTO]

even tho u get the report, coz of under rm1000, insuran company will not giv a single sen to u too...

jin is right.i forget what's it call.

 

[CarroTT]

wat is NCD eeh ? :hmmmm:

 

[edwin_lcw]

find some ppl to run for you like callman or some workshop that do claims .... don`t make hassle on yourself waste your time dealing ppl like this ... they will tell u what n where is the problem n also find a closely known claim-agent to do this

 

[JINEIL2EN]

the problem is...the damn police informed we there is NO REPORT.

and why under rm1000 claim will not be layan? i doubt this is in the policy

under rm1000 will not be claimed. thats the policy.

Polis can't denied any reported & there will no such "No Report" from them. just write down who r the guy that told u "No Report", so after that u can complain kao kao for this matter.

 

[gtiwtks]

Did the lorry made police report as well?

If the lorry nvr made any police report, is hard for you to proceed. But if not mistaken... if you hit by public transport like taxi, bus or lorry... you can't make knock to knock claim. You can only made 3rd party claim whereby you have to pay first then only you submit your claim to the lorry insu company. Thats what i do when i was kissed by a taxi....

What i suggest you go find the lorry company and ask for them pay else make it big on the newspaper...

 

[JINEIL2EN]

Did the lorry made police report as well?

If the lorry nvr made any police report, is hard for you to proceed. But if not mistaken... if you hit by public transport like taxi, bus or lorry... you can't make knock to knock claim. You can only made 3rd party claim whereby you have to pay first then only you submit your claim to the lorry insu company. Thats what i do when i was kissed by a taxi....

What i suggest you go find the lorry company and ask for them pay else make it big on the newspaper...

oh...i know if been knock by Buses or Taxi, need to pay 1st...dunno watever private lorry oso do the same...now i only know...

 

[FVel]

wat is NCD eeh ? :hmmmm:

No claim deposit....but more usually known as an NCB (No Claim Bonus)

 

[JINEIL2EN]

No claim deposit....but more usually known as an NCB (No Claim Bonus)

NCB...oic...hahahaha...heard a lot, but dunno the real meaning...hahahaha

 

[huakenny]

if u hit by commercial vehicles , u canot claim their insurance....

maximum is police issued them summon, they oledi get penalty...

bout ur car,settle urself lo...

u cannot sue the lorry coz police oso issue saman to him.he oledi admitted his fault...

hehe

 

[m@ttz]

where it happens?? yesterday morning on my way to work saw an accident almost like u had in klang, the car on right lane, 3 tonnes lorry on left lane, both wanna take right at T junction n it was traffic light over there, suddenly the light changed if not mistaken, car stop n krakkkk.. aiyyaa.. hit a bit by dat lorry..

 

[JINEIL2EN]

wat an unfair laws/rules towards the others...

 

[sakuragi]

if u hit by commercial vehicles , u canot claim their insurance....

maximum is police issued them summon, they oledi get penalty...

bout ur car,settle urself lo...

u cannot sue the lorry coz police oso issue saman to him.he oledi admitted his fault...

hehe

Er, i have to disagree.

My car was hit by a rapid kl bus just half a year ago and i successfully CLAIMED their insurance. It's just that the process is a little more complicated.

 

[quentrex]

Wrong, wrong, wrong.
There's no such thing you can't claim for damages less than 1k. Unless your policy has an excess deductible and it varies according to your vehicle sum insured, cc and type of vehicle. Look at your policy schedule and look at the excess column, if it state there nil then there's nothing to worry about.
NCD stand for No Claim Discount sometimes also referred as No Claim Bonus.
There's no such law that prevent you from claiming a third party claim also referred as third party property damage(TPPD) regardless what type of vehicle knocked your vehicle.