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Claim

 
DO NOT PANIC – CLAIM GUIDE FOR MOTOR ACCIDENTS

Take These 3 Keys Steps:
 


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
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
 
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*
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
 
TIPS: HOW TO AVOID POSSIBLE REJECTION OF CLAIMS
 


Notify your insurance company within 7 days from the accident


Ensure complete documentation


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


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