Sunday, May 1, 2016

How to claim car insurance?


In any case, when making a police report, you must ALWAYS report that the CAR WAS STOLEN without your knowledge. If you reported it as the car was driven away when it was left in the car wash, no insurance will pay you. You can only sue the company for negligence. Advice: Let the professional do the report! I have a car crashed and broke a lamppost, and the towing agent told me to pay RM100 to let him and "the professional" do the standard report that can guarantee getting the insurance claims! I got the claims and escape paying for the broken lamppost!
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I was warned: If I were to report the actual reasons my way on how the car crashed, I won’t be able to get the insurance claims.
Note: Reasons such as tyre bursts, driver falls asleep, car skidded, heavy rain, car went out of control, road slipery etc
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All these reasons will be rejected by insurance companies and you get zero claims. It must be reported as an accident not because of your fault, the car's technical fault, road fault, weather fault but must put the blame on others as the cause of accident!
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You can declare yourself as the cause of accident, can still get the insurance claim, but the Police will fine you first RM300 and you have to pay for the replacement of the damaged lampost!
A Lamp post at Plus Highway will cost you RM4000 !
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In an unrelated event:

Loss of I.C. If you lose your IC and go to get a replacement at the Bahagian Pendaftaran, the fine is RM100 for a first offender.
If you lost your IC again, the fine will be doubled and so on. If you made the police report that your IC was pick-pocketed (somewhere, say Pasar Malam) the Bahagian Pendaftaran won’t fine you! You get the replacement for free within 24 hr! Just trying to out smart them.
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Same thing if you parked your car under a tree and a branch fell off and damaged your car. If you report as a parked car – your claim will not be entertained.
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You have to report that while you are driving your car, the branch fell and damaged your car.
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CAR INSURANCE CLAIM VOID...
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Be careful, if you have the habit of sending your car for car wash or other similar places such as car jockey at car park, while in shopping complex etc..
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Last year my cousin sent his Toyota Harrier for a car wash in the car park of Bangsar Shopping Complex while he had an appointment there. He handed the car keys to the car wash people and left the car park for his appointment.
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After the appointment he went to collect his car and the car wash
people told him that his car had been collected. HOW COULD IT BE!?
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After a prolonged argument without any results, he had no choice, but to make a police report... and follow up with an insurance claim.
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The insurance company rejected his claim because the car was not stolen. The point of contention was why he had handed over he car keys to someone unknown, and why he had not waited till the car washing was finished.
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So, be careful next time. If you really need to send your car for a car wash, better stay there and wait for your car, if not, this may happen to you..
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Please share this message to all your friends to warn them.
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If you hand over the keys of your car for someone to take care example :- Car Wash, Car Park and on your return if the Car is 'taken' away, Insurer WILL NOT PAY for the 'Loss'.
NOTES FROM AN INSURANCE AGENT:

1. WILL NOT PAY FOR SUCH A LOSS.
2. IF YOU LEAVE YOUR CAR ENGINE RUNNING AND YOUR CAR DOORS UNLOCKED, WHILE YOU POP INTO THE GROCERY STORE FOR EVEN A FEW SECONDS, AND SOMEONE DRIVES YOUR CAR AWAY, THE INSURANCE COMPANY WILL NOT PAY.

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