Auto Insurance - Claims


CLAIMS GUIDE

Own Damage Claim

Own damage claim occurs when your vehicle met an accident due to your own negligence and you have decided not to pay from your own pocket due to the exorbitant cost of repair to your vehicle. Since a comprehensive policy covers your own damage, you might want to make a claim from your comprehensive policy under your own insurer.

If you wish to claim for your own damage under your own insurer (ABC, SPA affiliated Insurance company for e.g.)

1. You will lose your No-Claim-Discount (NCD)
2. ABC Insurance Co.(for example) will appoint an adjuster to assess the damage for you
3. If you send your car to an insurer for example (Principal Insurer) panel workshop, the repair cost is covered under your policy
4. You may have to pay the "excess" stated in your policy if you decided to send to a non-panel workshop except the Appointed Franchise Holder of your dealer/manufacturer.
5. You cannot claim for "loss of use" against your insurer or the third-party insurer.
6. You may choose the panel workshop that is nearest to your excess as we have a nationwide network of panel workshops that can offer the service.
7. You may choose your workshop outside our Principal Insurer (e.g) panel if there are none available but with PIAM authorized workshop, an excess of
1% of the claim amount will be imposed.
8. If you choose to claim against Own Damage after your vehicle is met an accident due to your own fault / negligent you should:
# Notify Your insurer of the accident and confirm your intention to make an "Own Damage Claim" under your policy.
# Send your vehicle to your insurer panel workshop for immediate attention.
# Collect the Claim Form from your insurer or call to ask for a mail copy or e-mail copy by providing an e-mail address.
# Return the completed and signed Claim Form to your insurer together with the following documents:
>Workshop's Estimation of Damages
>Copy of Vehicle Registration Card
>Copies of Identity Card (Insured & Authorized Driver)
>Copies of Driving License (Owner, Authorized, and/or Insured Driver)
>Copies of the Police Report of the driver and other parties when available
>Copy of Police Investigation Report with Sketch Plan
>Copy of signed KFK Declaration Form
>Details of third party's vehicle and insurance

(We recommend the insurer's Panel Workshop because, in the event of a dispute or warranty, the insurer can liaise with them amicably for the advantage of the insured as the workshop had to comply with their requirement with the insurer for the conduct, rules, and regulations)



Theft Claim

Guidelines and Documents Checklist

1. Lodge a Police Report immediately upon knowledge of the loss.
2. Notify your insurer/agent/broker of the theft immediately.
3. Collect the Claim Form from the insurer. Return the completed and signed Claim Form to your insurer together with the following documents:
> Original Police Report
> Repairer's Estimate of Damages, if the vehicle has been recovered and sustained damages (Please refer to Own Damage Claim Guidelines)
> Original Certificate of Insurance
> Original Vehicle Registration Card
> Certified copy of insured's Identity Card by Commissioners for Oaths
> Copy of insured's Driving License
> Copy of your driver's Identity Card and Driving License (if you were not the driver)
> Copy of your Hire Purchase Agreement (if any)
> Two sets of original car keys
> Two copies of JPJ Transfer Form K3
> Letter of Release from the hire purchase company, if applicable
> JPJ "Lampiran A1" and "B" duly signed and certified by Commissioners for Oaths

# Co-operate with the Adjuster/Investigator or any personnel who may be appointed by your insurer to conduct the investigations.
# In the event the vehicle is recovered, notify your insurer immediately as it is important that we reinstate your policy (which will be canceled automatically upon notification of theft)


FAQ
1. What is the first thing I should do if my car is stolen?
Lodge a Police Report and inform us immediately.

2. Can I submit the required documents to the Adjuster instead of the Principal Insurer?
Yes.

3. Where can I obtain the JPJ K3 Form?
You can obtain it at the counter of any JPJ office.

4. My registration card is with the Finance Company. Do I need to surrender the card to you now?
Yes, you need to submit it together with the Letter of Release from the Finance Company.

5. What if I have lost my Registration Card?
You have to lodge a police report and notify the JPJ branch concerned. A statutory Declaration witnessed by the Commissioners for Oaths is required.

6. I have lost my original Certificate of Insurance. What should I do?
You have to sign a Statutory Declaration witnessed by the Commissioners for Oaths.

7. How long does it take for a theft claim to be settled?
Upon completion of an investigation by your insurer and the issuance of the police investigation result, or after a duration of four months from the date of loss whichever is earlier.

8. What is the basis of settlement?
The basis of settlement will be the current market value of the vehicle at the time of the loss or the sum insured, whichever is lower. If your vehicle is insured under "Agreed Value" then the basis of settlement will be the current agreed value sum insured for the particular year of loss with compliance to policy agreement and conditions apply.

9. Are there any excesses applicable to theft claims?
There is no excess.


SEMI TRUCK VS CAR-HEAD ON ACCIDENT

Toyota MR2 head on collision / car crash

Knock-for-Knock (KFK) Claim


KFK claim involves the situation when your vehicle suffers damage after being knocked by another party who is at fault. You can then choose to claim against your own Insurance policy or against the insurer of the third party.

If you choose to claim against your Own Insurer:
1. You will not lose your No-Claim-Discount (NCD)
2. Your principal insurer will appoint an Adjuster for you
3. If you send your car to the Principal Insurer panel workshop, the repair cost is covered under your policy
4. You may have to pay the "excess" stated in your policy but you can subsequently claim reimbursement
against the insurer of the third party
5. You can also claim for "loss of use" against the insurer of the
third party


If you choose to claim against the insurer of the third party:

· You have to appoint your own Adjuster
· You have to pay for your repair cost first and seek
    reimbursement directly from the insurer of the third party

Areas that are not applicable for KFK Claim:

# When the third-party vehicle is a bus, taxi,
limousine or hire and drive vehicle
# When the insurer of the third-party vehicle is:
>Takaful
>An insurer out of Malaysia (e.g. Singapore)
# When there is third-party bodily injury, no matter who is at fault


Knock-for-Knock (KFK) Claim
Guidelines and Documents Checklist

If you choose to claim against Principal Insurer after your vehicle is knocked by a negligent third party, you should:
# Notify the Principal Insurer of the accident and confirm your intention to make a "KFK - Own Damage Claim" under your policy.
# Send your vehicle to your insurer panel workshop for immediate attention.
# Collect the Claim Form from your insurer (e.g.ABA Insurance) or call to ask for mail copy or e-mail copy by providing e-mail address.
# Return the completed and signed Claim Form to Principal Insurer together with the following documents:

>Workshop's Estimation of Damages
>Copy of Vehicle Registration Card
>Copies of Identity Card (Insured & Authorized Driver)
>Copies of Driving License (Owner, Authorized, and/or Insured Driver)
>Copies of the Police Report of the driver and other parties when available
>Copy of Police Investigation Report with Sketch Plan
>Copy of signed KFK Declaration Form
>Details of third party's vehicle and insurance
>Copy of RIMV search detail of the third-party vehicle


Knock-for-Knock (KFK) Claim
Frequently Asked Questions
1. If my car is knocked by a third-party vehicle, can I claim from my own insurer and maintain my NCD?

Yes, you may submit the KFK - Own Damage Claim if your policy is a comprehensive motor insurance policy. Your NCD entitlement will continue if you are not at fault based on the evidence submitted.


2. Can I appoint my own Adjuster under the KFK claim?

In the case of you claiming against the Principal Insurer for KFK - Own Damage, we will appoint an Adjuster from our panel upon notification of a claim. But if you are claiming directly against the third party's insurer, you may at your own discretion appoint Adjusters at your own costs.


3. Do I have to send my car to my insurer (e.g. Chubb/ACE's Insurance) panel of workshops?

Yes. Please refer to Endorsement 106 attached to your Motor Policy.


4. Can I claim for the "loss of use" of my vehicle?

Yes, it is possible, but you will need to claim directly from the insurer of the negligent third party.


5. Do I have to pay any "excess" imposed under my policy?

Yes. But this sum can only be recovered directly from the negligent third party's insurer together with the claim for "loss of use" of the vehicle.


6. Must I report to my insurer even if I want to claim directly from the third party's insurer?

Yes, under Condition 2 of your Motor Private Policy you are required to do so.


7. Under what circumstances do I have to make payments to the repairer?

You may have to bear a portion of the cost of repair when the following is applicable:
> Policy Excess
> Betterment
> Under-insurance/Contribution


8. What about towing charges and what is the maximum limit?

The maximum limit for towing charges is RM200.


Windscreen Damage Claim

Guidelines and Documents Checklist

> Notify your Principal Insurer of the accident.
> Send your vehicle to the Principal Insurer panel workshop for immediate attention.
> Collect the Claim Form from Principal Insurer or call to get an e-mail copy.
> Return the completed and signed Claim Form to Principal Insurer together with the following documents:
> Photos of the damaged windscreen, best with the date taken on photographs to prevent fraud and tampering.
> Original repair bill & receipt

Frequently Asked Questions

1. Can I make a claim without affecting my NCD if my car's windscreen is shattered?
Yes, you can if you have extended to cover the windscreen as additional coverage.

2. What if I do not have a windscreen cover?
You are still able to make a windscreen damage claim, but this will be considered an Own Damage claim under your Motor Insurance policy, and your NCD entitlement will be affected on renewal. Excess under your policy is also applicable.

3. Do I need to submit a police report?
No, it is not necessary as long as you provide us with photographs of the damage.

4. Where can I obtain the Claim Form in the event of a claim?
You can obtain it from any of our Principal Insurer offices nearest to you. Alternatively, a copy can be forwarded to you upon request.

5. What is the maximum amount that I can claim?
The replacement cost of the windscreen is subject to the sum insured of your windscreen cover. We will also Verify the price to ensure that the replacement cost is reasonable.

1. Can I make a claim without affecting my NCD if my car's windscreen is shattered?
Yes, you can if you have extended to cover the windscreen as additional coverage.

2. What if I do not have a windscreen cover?
You are still able to make a windscreen damage claim, but this will be considered an Own Damage claim under your Motor Insurance policy, and your NCD entitlement will be affected on renewal. Excess under your policy is also applicable.

3. Do I need to submit a police report?
No, it is not necessary as long as you provide us with photographs of the damage.

4. Where can I obtain the Claim Form in the event of a claim?
You can obtain it from any of our offices nearest to you. Alternatively, a copy can be forwarded to you upon request.

5. What is the maximum amount that I can claim?
The replacement cost of the windscreen is subject to the sum insured by your windscreen cover. We will also verify the price to ensure that the replacement cost is reasonable.



 
 
 
 

 



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