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Claim
DO NOT PANIC – CLAIM GUIDE FOR MOTOR ACCIDENTS
Take These 3 Keys Steps:
Take These 3 Keys Steps:
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Call your insurance company or Accident Assist Call Centre
Gather evidence
Lodge police report
COMPREHENSIVE COVER: HOW TO CLAIM FROM OWN INSURANCE COMPANY
WHAT TO CLAIM
a) If the accident was your fault, make an “Own Damage” claim
b) If the accident was NOT your fault, make an “Own Damage Knock-for-Knock” claim (instead of third party claim)
BENEFITS OF MAKING “OWN DAMAGE KNOCK-FOR-KNOCK” CLAIM:
Faster claims processing
You will not lose your No Claim Discount (“NCD”) entitlement
You can claim Excess* and CART** from the other party’s insurance company
b) If the accident was NOT your fault, make an “Own Damage Knock-for-Knock” claim (instead of third party claim)
BENEFITS OF MAKING “OWN DAMAGE KNOCK-FOR-KNOCK” CLAIM:
Faster claims processing
You will not lose your No Claim Discount (“NCD”) entitlement
You can claim Excess* and CART** from the other party’s insurance company
HOW TO CLAIM
Submit to your insurance company:
Completed claim form
Original copy of police report
Copy of driver’s and policyholder’s identity card and driving license
Copy of vehicle ownership certificate
Photo of accident scene and damages to vehicle
Police letter informing which party is compounded for road traffic offense
Completed claim form
Original copy of police report
Copy of driver’s and policyholder’s identity card and driving license
Copy of vehicle ownership certificate
Photo of accident scene and damages to vehicle
Police letter informing which party is compounded for road traffic offense
THIRD PARTY COVER: HOW TO MAKE A THIRD PARTY PROPERTY DAMAGE CLAIM
WHAT TO CLAIM
a) Damage to your car or property in a road accident caused by the other party
b) Other financial losses e.g. CART**, excess*
b) Other financial losses e.g. CART**, excess*
HOW TO CLAIM
Send your car to the insurance company’s panel workshop
Appoint an adjuster to evaluate the cost of your car’s damage
Submit to the other party’s insurance company
- Original copy of police report
- Copy of driver’s and policyholder’s identity card and driving license
- Copy of vehicle ownership certificate
- Adjuster’s report
- Bill of repair costs of your car
- Photos of accident scene and damages to vehicle
- Police letter informing which party is compounded for road traffic offense
Appoint an adjuster to evaluate the cost of your car’s damage
Submit to the other party’s insurance company
- Original copy of police report
- Copy of driver’s and policyholder’s identity card and driving license
- Copy of vehicle ownership certificate
- Adjuster’s report
- Bill of repair costs of your car
- Photos of accident scene and damages to vehicle
- Police letter informing which party is compounded for road traffic offense
TIPS: HOW TO AVOID POSSIBLE REJECTION OF CLAIMS
Notify your insurance company within 7 days from the accident
Ensure complete documentation
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Ensure private car is not used for hire or to carry goods for business purpose
IMPORTANT TERMS
COMPENSATION FOR ASSESSED REPAIR TIME (“CART”)**
The amount payable by the other party’s insurance company for number of days it takes to repair your car as assessed by the adjuster (not the number of days your car is in the workshop)
CART = Rate as per taxi fare receipt or car rental agreement or fixed scale of CART X Number of days to repair the car
Remember to keep the original receipts for taxi fare or car rental to claim for CART
EXCESS*
The amount you have to pay whether the accident is your fault or otherwise. The insurance company pays the remaining claim balance.
BETTERMENT
Applies to car age 5 years or more:
When an old part is replaced with a new original part
You bear partial cost of the new original part (depending on your car’s age) as your car will be in a better condition than before the accident
For more information, please contact:
PIAM at 03-22747399 or visit www.piam.org.my
MTA at 03-20318160 or visit www.malaysiantakaful.com.my
For complaints or any queries, please contact your insurance company
If your query is not satisfactorily resolved by the insurance company, you may contact BNMTELELINK at 1300 88 5465 or bnmtelelink@bnm.gov.my
COMPENSATION FOR ASSESSED REPAIR TIME (“CART”)**
The amount payable by the other party’s insurance company for number of days it takes to repair your car as assessed by the adjuster (not the number of days your car is in the workshop)
CART = Rate as per taxi fare receipt or car rental agreement or fixed scale of CART X Number of days to repair the car
Remember to keep the original receipts for taxi fare or car rental to claim for CART
EXCESS*
The amount you have to pay whether the accident is your fault or otherwise. The insurance company pays the remaining claim balance.
BETTERMENT
Applies to car age 5 years or more:
When an old part is replaced with a new original part
You bear partial cost of the new original part (depending on your car’s age) as your car will be in a better condition than before the accident
For more information, please contact:
PIAM at 03-22747399 or visit www.piam.org.my
MTA at 03-20318160 or visit www.malaysiantakaful.com.my
For complaints or any queries, please contact your insurance company
If your query is not satisfactorily resolved by the insurance company, you may contact BNMTELELINK at 1300 88 5465 or bnmtelelink@bnm.gov.my