First minor road accident - advise needed

[Quikflyer]

Just got delivery of my X1 (insured under BMW - Allianz), and on the 2nd day, got knocked from behind. There is a small dent on the plastic bumper, and the reverse sensor is misjointed So unfortunate. So I did the required:-1) Lodge a police report within 24 hrs (the other party I believe didn't lodge - he is a P license driver and the car probably isn't insured under his name).2) Went to see the Investigation Officer (traffic) and explained my case. The results is pending. Not sure how long will this take?3) Got all the documents ready to go to AB tomorrow, with intention to claim the other party's 3rd party insurance, and not touch my NCD. Can anyone advise if this is the way or did i miss out on any step? When I was getting my Salinan Report, there was this runner who told me that the workshop will claim my insurance and affect my NCD. And the investigation officer will take a long time to make a decision. I know he is probably trying to scare and hoping to get him to things, but just wanted to find out from you guys if this is the case?I want to go back to AB (I already called and they say they will do the necessary), and repair the reverse sensor, bumper and everything that may have caused by that knock without claiming my insurance or NCD. How long is this process? Any advise?Thanks peeps.

 

[astroboy]

U paid a lot of money for the insurance, get the agent to do some of the foot work la. They have runner anyway..

 

[VKS]

IC, license,police report, registration card photocopy and insurance cover note original.. They will do the rest for you. Sorry to hear about the mishap..

 

[astroboy]

INSIST TO REPAIR AT AUTHORISED DEALER.. my recommendation is Ingress Auto.

 

[aoch88]

Yo bro, here is what I can offer:

1. First of all, Allianz is one of the good insurance companies around. By saying it's "good", it means they approve claims quite fast compared to others like Kurnia, etc so don't worry about slow claims

2. Normally the investigation is also fast (assuming both parties reported) and can be obtained within the same day. Once the IO decided the party at fault, he will issue a summon to that party and grant you permission to claim insurance from him.

3. The way it works nowadays is that you are actually claiming your insurance for the repair work and then your insurance company claims back from the other party's insurance. Sounds confusing? Haha. Nevertheless this process will not result in losing your NCD because you are not the party at fault.

4. As for the repair, insurance companies will require you to do it from their panels. I'm not sure if BMW itself is a panel but you can check out with Allianz or your dealer.

 

[ICEMAN 68]

quikflyer ...before you could start al the above ... make sure you get the IO to complete the so called KEPUTUSAN KES ...make sure you get this for once ...it's a sketch of the area with some pictures taken from the scene of the accident and finally you need to pay RM5 to obtain the receipt for this piece of paper ...usually it's not that easy to get this if you're not the runner OR a relative of the IO...once you have obtain this KEPUTUSAN kes , you may hand over to your agent so that it would be faster for them to process it ..

And before you start going further , it's best to make a call to your insurance AGENT as mentioned above by astroboy ...as they would need to dispatch an adjuster to evaluate the damage and cross out the area which needed to be repaired ...if you go ahead without having an adjuster to evaluate the damage it's gonna be tidious as they may not agreee on certain items that you've replaced ...

Hope this 2 steps somehow be a great info to you ....and as for the KEPUTUSAN KES it would best to leave it to the insurance agent/runner...they know how to get it fast ...or else it's gonna take ages even if you visit them daily ...

 

[astroboy]

Has the other party lodge a report? otherwise, susah.. He has 24 hour to lodge the report, failing which Polis will summon him to the Polis station. You do have his name and car registration number right?!

It's for sure a 3rd party claim.. do u know what insurance you will be claiming? need to report to his insurer too because they are paying. Do a 3rd party KFK (Knock for Knock). Meaning your Alliance will pay for your repair first, then only they claim from the other insurer. Ingress Auto is Alliance panel, the other option is AB Glenmarie. My preference is Ingress.

You are lucky not knocked by a motorbike. Because u will lose your NCD regardless who's at fault. Malaysia has this stupid bikers protection act. Of course, there are work around to safe guard your NCD if this really happen. Your insurance agent should be able to advise u accordingly..

ICEMAN13, there will not be a KEPUTUSAN if the other party did not report and IO need to summon the party at fault before u can claim his insurance. Otherwise, u end up claiming your own and burn your NCD and that's costly for just repairing a bumper and reverse sensor.

 

[Quikflyer]

Thanks guys for the valuable info. Much appreciated - this is my first time so really running headless, and the BMW sales girl is not really that experienced I guess, she asked me to go to IA (as panel workshop), bringin all the required documents. I was not informed who is the insurance agent as it was all done by Quill. So I'm getting the agent contact details so that I can contact the agent directly to get things sorted. Was planning to go IA tomorrow, but I guess I will contact the agent first. You are right, paid so much insurance, at least they could do all the processing for me.

 

[Quikflyer]

Has the other party lodge a report? otherwise, susah.. He has 24 hour to lodge the report, failing which Polis will summon him to the Polis station. You do have his name and car registration number right?!

It's for sure a 3rd party claim.. do u know what insurance you will be claiming? need to report to his insurer too because they are paying. Do a 3rd party KFK (Knock for Knock). Meaning your Alliance will pay for your repair first, then only they claim from the other insurer. Ingress Auto is Alliance panel, the other option is AB Glenmarie. My preference is Ingress.

You are lucky not knocked by a motorbike. Because u will lose your NCD regardless who's at fault. Malaysia has this stupid bikers protection act. Of course, there are work around to safe guard your NCD this really happen. Your insurance agent should be able to advise u accordingly..

I don't think the other party has lodge a report. I have picture of his car and his IC as well. I'm not sure what insurance I'll be claiming against - I guess Allianz will be able to find out from the registration car number?

Yeap, will contact my insurance agent.

 

[astroboy]

.. I guess Allianz will be able to find out from the registration car number?..

Yes, they can find out but if there's no KEPUTUSAN that say the other party at fault, their insurer won't pay you la. If your couldn't get hold of the agent, then IA should be able to assist. It's all pretty standard la. Your only problem now is praying the other party will turn up to report, get a summon from the IO and collect your KEPUTUSAN with the accident location sketch from the IO. Make sure u keep the payment receipt for getting the Polis reports. All can claim the other insurer.

 

[rozaidi83]

how many % your NCD is? if 55% better repair by yourself if this is minor...otherwise your claim will clear the NCD...as u know the percentage of the NCD will waive alot of $$$ from your insurance...looks like very minor...mine one also the same after i owned the car for 2 days except the sensor is not misjointed but the bumper part is severely damaged because i bang my stainless steel autogate...heart broken and i straightaway go repair the car on the same day..and the repair cost for knock and paint is around RM100 and it only took around 1 hour....if the car still new..no need to paint the entire bumper...mine one looks nice after knock and re-paint....

 

[ICEMAN 68]

Yes, they can find out but if there's no KEPUTUSAN that say the other party at fault, their insurer won't pay you la. If your couldn't get hold of the agent, then IA should be able to assist. It's all pretty standard la. Your only problem now is praying the other party will turn up to report, get a summon from the IO and collect your KEPUTUSAN with the accident location sketch from the IO. Make sure u keep the payment receipt for getting the Polis reports. All can claim the other insurer.

astro ...yeh you're right ...if there is no keputusan kes , then you're screwed..usually even if the other party did not report they will still issue you a K.K after 7 working days OR more ...

 

[Quikflyer]

Went to IA this morning to discuss with them, and they will first get their runner to get the Keputusan for me, and then only call me to repair send the car to repair the dent. I think that's the safest way to get it sorted.

I asked how much usually will the runner cost, he said about RM200 - RM300. :sleep:

 

[Quikflyer]

how many % your NCD is? if 55% better repair by yourself if this is minor...otherwise your claim will clear the NCD...as u know the percentage of the NCD will waive alot of $$$ from your insurance...looks like very minor...mine one also the same after i owned the car for 2 days except the sensor is not misjointed but the bumper part is severely damaged because i bang my stainless steel autogate...heart broken and i straightaway go repair the car on the same day..and the repair cost for knock and paint is around RM100 and it only took around 1 hour....if the car still new..no need to paint the entire bumper...mine one looks nice after knock and re-paint....

My NCD is 55% and that's why I don't even want to touch it! Yeap, it's quite minor and I can actually live with it, just that damn sayang since it's 2 days old car and it wasn't even my fault. But I kinda pity the other guy, he is a P license, probably kena gantung...

 

[rozaidi83]

just repair at your own and ask the guy to pay...should not be very expensive for a normal knock and painting...but it will be expensive if IA do it for u....last time Quill Panel in SG.Besi quoted me around 1k++ for knock and paint which i think ridiculous....outside only RM100 and the job very well done.....

 

[Quikflyer]

I've already lodged a police report, and I didn't get his contact number.

 

[rozaidi83]

it will take around 1 month...first police will send letter to the P guy and if the address is not right...they will issue summon to that car and the car will be pledged guilty and only from there u can start with the claiming thing...however due to my experienced u can repair first and once u have the salinan report, u can claim and it will not effect your NCD unless the guilty car don't have a valid insurance...

 

[aoch88]

Nowadays insurance company will cross claim meaning that we will claim our insurance in all cases then our insurance company will claim from the other party's insurance. If he is at fault then our NCD will not be effected but again, the IO will decide on this. Hence the decision of the case is important

 

[ICEMAN 68]

it will take around 1 month...first police will send letter to the P guy and if the address is not right...they will issue summon to that car and the car will be pledged guilty and only from there u can start with the claiming thing...however due to my experienced u can repair first and once u have the salinan report, u can claim and it will not effect your NCD unless the guilty car don't have a valid insurance...

..pls be informed that if the P guys has got no insurance then you can't do anything about it other than forking out the cash from your pocket ...that is why during each accident it's better to take down the roadtax info ( A picture perhaps ) as you'll be able to speed up the process upon knowing the insurance company of P driver ...

rm200 is about right for the runner to charge and by you dropping by the balai too can't make the case move any faster ..

2 cento

 

[aoch88]

..pls be informed that if the P guys has got no insurance then you can't do anything about it other than forking out the cash from your pocket ...that is why during each accident it's better to take down the roadtax info ( A picture perhaps ) as you'll be able to speed up the process upon knowing the insurance company of P driver ...

rm200 is about right for the runner to charge and by you dropping by the balai too can't make the case move any faster ..

2 cento

Absolutely right If P driver no insurance, he kena one extra saman and we have to bear the cost of repair ourselves or claim our own insurance and lose the NCD