In the event of an accident, the first thing the car owner will think of is definitely how to make a car insurance claim and the cost of car repair. However, cars with valid car insurance coverage do not have to consider this because the cost of accident car repair is borne by the insurance as long as you have the appropriate insurance coverage.
Types of Car Insurance Claims
Generally, road accidents can occur at any time and can happen to anyone who uses the road. According to statistics released by the Royal Malaysian Police (PDRM), an average of more than 500 thousand road accidents is reported to involve nearly seven thousand deaths every year.
Therefore, this article will discuss the types of damaged car insurance claims you can make, how to claim accident car insurance and things you can consider regarding the process of car insurance claims. If you are involved in a road accident resulting in property damage without any physical injury, you may make a claim of damages by considering the following three types of claims:
1. Self-damage Claims
It refers to the claims of your car’s loss or damage to your own car insurance (Own Damage Claim). For example, you accidentally hit the fence while retreating out of the house and causing severe damage to the car. You can claim car insurance to pay for the cost of car damage using your insurance.
However, this claim of damage is only possible if you are a comprehensive insurance policyholder that offers you and third parties. If this claim is made, your policy will automatically lose NCD car (No claim discount). This means that your car’s NCD will return to zero percent the following year and your insurance premium may be more expensive during insurance renewal.
However, you will not lose the car NCD if you claim your own damage except in the following two situations:
- Non -Fault Damage – refers to the accident situation confirmed by the police not due to your negligence;
- Car Mirror Insurance – If you add additional protection of car mirrors, NCD cars will not be affected even if you claim car mirror insurance.
2. Knock-For-Knock Claims
In the event of an accident caused by another party, you can consider making a knock-for-knock claim. This means that you will make a car insurance claim from your own insurance company, and the insurance will reclaim from a third party insurance company.
However, this claim can only be made if you are a comprehensive insurance policyholder. The cost of car repair will be borne by your insurance company first before being reclaimed from a third party insurance company later – this is because the accident insurance claim period usually takes a long time. Here are the benefits of knock-for-knock claims:
- The process of claiming car insurance is faster;
- Car NCD discounts remain as usual;
- Excess and loss of use can be made from third -party insurance companies.
3. Third-party Claims
It refers to the process of claiming or claiming car insurance against a third party insurance company in the event of a car or property damage due to a road accident that is not due to your offense. Usually, your car’s NCD will not be affected by this claim.
How to Make a Car Insurance Claim If You Crash Your Car, Third-party Accident Insurance Claim
If your car is damaged by a house fence due to your own negligence or your car is damaged by an accident with another car, this car insurance claim guide is expected to help you. Qoala lists two ways to claim car insurance crash – how to claim someone else’s car insurance and your own accident car insurance claim.
5 Ways to Claim Your Car Insurance If You Crash It
Claims of self-damage or claiming accident insurance itself refer to the process of claiming loss or damage to your car from your own insurance company. For this damaged car insurance claim process, you can follow the following steps:
1. Contact Insurance Company
If you are facing this situation, contact your insurance company to notify the accident within seven days from the date of the accident. If your car is suffering serious damage and requires emergency assistance, seek the help of a tow truck service.
2. Make a Police Report
The police report for insurance claims should be made at a nearby police station within 24 hours after the accident to avoid any other risks such as claims rejected by the insurance or otherwise.
3. Send the Car to the Workshop
Request a full list of panel workshops from your insurance company and send your car to the selected panel workshop. If you choose to send a car to a workshop other than a panel workshop, the process and duration of accident insurance claims may be more difficult and take a long time, as well as the cost of repairs that can be higher.
4. Prepare Supporting Documents
To facilitate the process, you will need to submit the following documents to your insurance company:
- Complete claim form;
- The original copy of the police report;
- Copy of identity card and driver’s license (driver and policyholder);
- Copy of Vehicle Ownership Certificate;
- Picture during the incident and damage to the vehicle;
- Police documents stating that the parties are compounded for road offenses.
Wait until the process of recovering your car is completed. You can also check with your insurance company to make sure the spare parts converted by panel workshops are pure and quality spare parts. Once satisfied with this repair process, sign your insurance company release form.
8 Ways to Claim Third Party Accident Insurance
If your car is accidents, you are advised to stay calm and not panic. Most importantly, know your rights as an insurance policyholder to facilitate the process of claiming the accident insurance. Here are eight Ways to Claim Third Party Insurance If you are involved in a road accident resulting in damage to property without any physical injury to your guide:
1. Stop Vehicles on the Shoulder of the Road
Immediately after the accident, move your vehicle to the shoulder of the road or stop at any safe location. Avoid talking in the middle of the road as it can not only cause severe congestion, it may even endanger your life. However, if your car cannot be removed due to serious car damage, place an emergency warning at least 45 meters behind the car to make it easier for you to see other vehicles.
2. Ask for Immediate Assistance
Get out of the car carefully and immediately check the damage to your car. Identify the level of car damage whether you need a tow truck service. Then call the car insurance company customer service online for help. In the event of an accident, many third parties or a tow truck agent will stop and offer a tow truck service to their workshop.
It is advisable to deal with a tow truck operator registered with your insurance company only to avoid any other problems. In panic, we tend to make a rush. Therefore you need to stay calm, never give your third party permission to manage your vehicle unless they are registered with your insurance company.
3. Take a Picture as Evidence, Note Down the Witness’s Details (if any)
Take a picture of the incident, a picture of the damage to the car and the image of a violent vehicle including important details such as car plate number, car roadtax, individual identification cards and so on. Record the location and time of the accident to facilitate references when making a police report.
If the individual involved refuses to cooperate, tell them that they may be prosecuted under Section 52 (1) of the Road Transport Act 1987 because your right as a party has been violated for information from the violation.
If the accident involves a private vehicle, get the driver’s phone number. But if the accident involves a company vehicle, get the company’s phone number. To make sure the phone number provided is exactly available, ask the individual to call you using his cell phone. In addition, you can also find the following information to make it easier for you:
- Driver’s license number;
- Phone number to contact and address of residence;
- Model and vehicle registration number;
- Registered insurance company.
In addition, many of the victims of the accident have forgotten to take witness information may be due to panic. If anything, take the witness information that witnessed the incident. These witnesses may help to testify if needed.
4. Get Treatment Immediately
If the accident causes injury, do not hesitate to seek treatment at the hospital even if the injury is not too serious. If it is tough, it may make it difficult for you to make medical claims or other claims (if necessary).
5. Make a Police Report
If the vehicle is still safe to get, immediately go to a nearby police station to make a police report. Police reports involving accidents should be made within 24 hours after the accident. If the accident report is made after 24 hours or slower than the stipulated period, you may be fined and it is possible that your claim is rejected.
After the report has been received, the investigating officer or the assistant investigating officer on duty will conduct an initial investigation. Recording of your conversation and witnesses will be made, photo evidence will be taken and related documents will be requested to help complete the investigation. Usually, the results of the case by the investigating officer will be issued within 15 days after the accident.
A copy of the report will be submitted to you in less than three business days, while accidents and rough diagrams will be submitted in less than 15 days. The results of the case, accidents and sketches of the diagram are required to complete the third -party accident insurance claim document.
6. Notify the Insurance Company
Accident insurance claims should be made at least in the past seven days from the date of the accident. However, you can write a letter to the insurance in the event of a delay in the car damage claim process. When making a car insurance claim, you will need to submit a police report or if you are injured, you must be hospitalized within 30 days of the accident. The following are the documents needed during the car insurance claim process from the insurance company:
- Photocopy of identity card;
- Cover note insurance;
- A copy of the driver’s license;
- The original copy of the police report;
- Copy of the car grant;
- Pictures of accidents and sketches from the police.
7. Car Service at a Panel Workshop
Cars need to be sent to your insurance panel workshop or a trusted vehicle service center to ensure that car damage is properly repaired and spare parts or car spare parts are pure. If you own a Honda car, it is advisable to send your car to the Honda service center to facilitate the claim process. It is also to ensure that the insurance claim process can be done faster and better quality repair quality assurance.
Wait until the process of recovering your car is completed. Usually, the duration taken for your car is completed depending on the level of damage to your car. In addition to the cost of car repair, you can also claim compensation for the compensation for assessed repair time, cart). It refers to the amount payable by a third party insurance company according to the number of days required to repair your car damage as rated by the adjuster (not based on the number of days of cars in the workshop).
This means that the cost of public transport or the cost of the replacement vehicle rented during your car repair period will be compensated by the insurance. Usually, the Car Service Center will provide a complete report along with a copy of the documents needed to facilitate your claim. Submit the document and report to the insurance company that violates your car for processing. Follow-up from time to time. Usually, this claim process takes between seven and 14 business days.
Your Car Insurance Claim Rejected? 5 Main Reasons Why
For drivers who are new to cars and are not skilled in car insurance especially how to claim car insurance, this guide may help you to reduce the risk of your claim. In general, many factors that can lead to insurance claims are rejected by the insurance company. Therefore, it is important for you to understand the insurance policy you take and the usual terms in insurance to avoid confusion.
1. Not Making a Police Report
If you are involved in an accident, make sure you continue to report at your nearest police station. Do not take it easy as a police report for accident cases should be made within 24 hours after the accident occurs except for certain cases such as you are seriously injured or coma due to an accident. If the accident report is made after 24 hours, it is possible that your insurance claim will be rejected by the insurance company.
In addition, the accident may be considered invalid by the insurance if no police report is made or a report is made after 24 hours. Therefore, you are advised not to delay or look down on this affair unless you have reasonable reasons and reasons. Also, avoid making false or fraudulent reports in the report made.
It can not only cause your car insurance claim to be rejected, but you can also be charged under Section 182 of the Penal Code which may lead to a summons of RM5,000 or a 6-month jail term or both.
2. Unnamed Driver
Car insurance only protects car drivers named in insurance policies – cars used by unnamed drivers in the policy can cause car insurance claims to be rejected by insurance companies. Therefore, many vehicle owners are afraid to lend a car to individuals who are not named in the insurance policy. Basically, a claim can still be made if a car driven by an unnamed individual is involved in an accident. However, you will have to pay a fine or an insurance excess of RM400.
If your spouse, child or family member regularly uses your car, it is advisable to take precautions by registering their names as the second driver under your insurance policy. It is to enable them to receive the same protection as you in the event of an accident.
For car insurance policies in Malaysia, you can name at least two other drivers to include in your insurance policy for free. Meanwhile, the addition of the next name will be charged RM10 for each name (or perhaps more dependent on the insurance company).
3. Driving Under the Influence of Drugs, Alcohol
Driving in a state of drunkenness or under the influence of drugs is not only a mistake in Malaysia, but also causes a car insurance claim or your car insurance claim not entertained by the insurance company. In the event of an accident while you are drunk or delusional, it is possible that your insurance claim will be rejected. This is because the insurance considers the accident due to the negligence or negligence of the driver. Even worse, you may be punished if this road accident causes injury or death.
4. Incorrect Information
If you do not provide accurate information during the car insurance renewal process to avoid high premium payments, the insurance reserves the right to reject your car insurance claim in the event of a damage or accident. Basically, the insurance takes into account several risk factors in determining the premium rates including safety features in the vehicle, the duration of the vehicle on the road, the geographical location (in areas with high theft cases) and the traffic error ever recorded.
This means that the insurance has the right to know the information about your car even if you just park your car. Although this information is considered trivial, car parking in areas with neat control is at a lower risk of theft than car parking in open public parking areas. In the event of theft and the information provided to the insurance company inaccurate, the insurance company reserves the right to reject the claim. Therefore, make sure you do not fake information solely to enjoy lower premiums to prevent your car insurance claim.
5. Not Covered by the Insurance Policy
Many insurance policy holders think that having a valid car insurance is sufficient and sufficient to protect the car in the event of an accident or car damage. But in fact this impression is inaccurate – the right ownership of insurance and understanding the protection offered is important to avoid being impressed in the event of something on your car.
Basically, a third party insurance policy protects only a third party excluding your car. Whereas a comprehensive insurance policy protects both parties and your third party in the event of an accident. If your car is covered by third -party insurance, you do not have to bear the cost of car repair or car damage experienced by a third party if involved in an accident. However, you may need to spend your own savings to repair your car damage.
Therefore, you are advised to take into account several other factors before buying car insurance to ensure that you get the right protection to your needs.
What Can You Do If Your Insurance Claim Is Rejected?
After your insurance claim is rejected, do not panic as you can still appeal. However, if the appeal is also rejected, you can bring this complaint to the General Insurance Association of Malaysia (PIAM), Bank Negara Malaysia or Ombudsman Financial Services, an independent body that resolves banking and insurance and takaful claims.
How Many Times Can You Make Car Insurance claims?
There is no limit to the number of insurance claims to be made within a year. However, you are advised not to file any claim if the car damage is not too serious. In general, you can claim if the cost estimated cost is higher than the NCD car discount you received during insurance renewal. If the cost of damage is lower, you are advised to spend your own expense to avoid higher insurance premiums during the upcoming renewal.
Sharing on how to claim this accident car insurance is expected to help if you face this kind of situation. You are encouraged to get the best and comprehensive car insurance policy to avoid the risk of your car insurance claim. For more information on insurance, visit the Qoala website. Qoala is a simple, transparent and fast -paced insurance platform with competitive and affordable price offer.