Comments on: Bad Experience of Car Insurance Claim

By: Thiban

Thiban — Wed, 21 Mar 2012 10:34:43 +0000

My Name is Parthiban. On 4th of August 2011 i met with an accident in KM345 PLUS Highway. I lodged a report in Tapah Police Station. My car was towed to Kheen Mun Motor Workshop Sdn. Bhd. in Ipoh. I waited for my car to be repaired for 4 months.

In December 2011 I started to taking things in my own hands and start chasing the workshop. According to the workshop they have already submitted the technical report to the insurance company by 15th of August 2011 which is 10 days from the day of the accident but the Insurance company has not arranged for an adjuster to check on the vehicle till December 2011.

I called up Am Insurance claims departments on 8th of December 2011 and inquired Miss Yusmalela Kahar on the status and the cause of delay in my claims. According to her she cant proceed with the claims until she has the accident scene pictures. On 9th of December 2011at 12.37pm i emailed Miss Yusmalela the five pictures of the accident scene. Uppon receiving the pictures Miss Yusmalela promised me to expedite the claims ASAP.

On 8th of January 2012 i received a phone call from the accident claims dept Am Insurance informing me my file has been forwarded to the Total Lost Claims Dept and the value is set at 62,000. Am Insurance officer also gave me some contact details to the Total Lost Claims Dept (Tel:03-4047 800, Contact Person Puan Nora Ext: 8278 and Cik Maria Ext:4749). The very same day Kheen Mun Workshop from Ipoh called me informing about the Total Lost Claim.

I Called Puan Norah on 9th January 2012 to confirm the case and to inquire on the duration needed for her to process my case. She told me she will need one or two weeks the most to settle the case and then she will call and update me. I waited patiently and called Puan Norah on 10th of February 2012 to which she responded saying your case JUST reached our dept on 8th January 2012 and u have to wait its on my boss’s desk and i’ll call u back in two days. She never called.

Its 21st of march 2012 today. Its has been 7months and 17 days I’m still waiting for my claims to go through. I can’t buy any new car due to the delay in claim processing by Insurance company as I’m still paying for my damaged vehicle loan for the past 7 months. I’m a business man whom need to travel on daily basis to meet my clients and customers.

How long will it take for an Insurance company to process any claims. According to Bank Negara 14 days to process. Please help me out here.

Vehicle No : WMV 7685
Model : SSANGYONG REXTON RX270xdi A
Police Report No : K002108/2011
Insurance Company : AMG Insurance
Policy No : V3559998 CVP Motor Private Car
Insured : 03345586 GVK (N) Sons (Malaysia) Sdn. Bhd
Inception : 05 / 08 / 2010
Effective : 20 / 04 / 2011
Expiry : 19 / 10 / 2011

By: adam kishen

adam kishen — Sat, 28 Jan 2012 19:43:53 +0000

kereta saya hilang 2hari lalu(27/01/2012)

Wira SE (black a/b) wpd 7792
hilang dekat luar kelana puteri condominium, kelana jaya.
laporan polis telah di buat.
any info please let me know (019-2511737). thanks

*there ia a big knock on back passanger door.

By: nurul

nurul — Sat, 04 Jun 2011 23:46:13 +0000

Hi KC,

I faced the same problem like yours and my car already repaired but i received a letter for my insurance examiner wanting me to give him a JPJ search for 3 rd party car info. wouldn’t it be their responsible to get everytg done. I paid lots of money to them and when it comes to claiming-they seat back n relax. by the way my insurance is MAA and a comprehensive. What should i do?? Do i have to go to JPJ to get it and ended up just wasting my time??

By: Anoy

Anoy — Sat, 28 Aug 2010 03:32:16 +0000

Hey KCLau, any suggestion for this case? Please do reply.

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By: Yan

Yan — Fri, 09 Apr 2010 03:48:11 +0000

Yesterday, my sister was parking her car in parking lot. A lorry in front of her had banged her’s car twice when reverse. Luckily that time, she wasn’t in the car. One of the shop owner saw this accident and quickly call my sister come out. My sister got shocked- a girl first time facing this incredible happens. The driver said don’t report and wish to settle. By at the end, he rejected to pay any maintenance bill. My sister had lodge a report on the same day. The police said if the guy didn’t come to report, my sister can’t claim to his insurance. The next day, the guy called up to my sister and said that he had asked his friend and he will not going to report cause his lorry was not much damage. In fact my sister’s car is more serious (Viva) after bang by lorry. And he said this will not affect when he renew his lorry road tax soon.
It is fair? We have the lorry driver information such as office address, contact number, name and no plate. The police can’t do anything on it? Is this will not affect to his road tax? My sister can’t claim for her own car insurance too after she call to the AIG ? Kindly please advice. Thanks.

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By: Tedan

Tedan — Tue, 21 Jul 2009 05:12:34 +0000

Insurance companies will really find a lot reasons or alibis that will make your claims unacceptable… In the part of the insured, we must see to it that a good step by step procedure in making the claims must be observe with all the required documents at hand…

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By: KCLau

KCLau — Fri, 17 Apr 2009 07:54:14 +0000

@MTsen,

Thanks for your insights.

By: KCLau

KCLau — Fri, 17 Apr 2009 07:40:22 +0000

It is great to know that MSIG is taking very quick action to respond to this post. Very good customer service indeed.

By: MSIG Customer Service

MSIG Customer Service — Fri, 17 Apr 2009 07:04:47 +0000

From: MSIG Insurance

We have read SCâ€™s entry and of his frustrating experience in processing his insurance claim especially since the accident was not his fault.

Regarding the issue of obtaining the 3rd party insurance details from JPJ, we would appreciate if SC can contact MSIG directly as we need to have more details from him/her before we can assist further. SC, please contact Ms. J. Lee of our TPPD Dept at MSIG HQ. Our customer service hotline is 1-800-88-MSIG (6744).

By: mtsen.com

mtsen.com — Wed, 15 Apr 2009 23:50:42 +0000

i m actually a bit confused even after reading a few times, sorry … I think lately I get very dump that a lot of stuff I read can’t get digested … is the car who bang you bought 3rd party insurance from MSIG ?

if yes then JPJ should have the record when that guy renew his road tax. so if that is the one you need to get but have problem then complain through JPJ route – bug datuk Ong is a good option …

the main concept is that you can ask the guy who bang you to pay your car fix, you can’t claim his insurance on his behalf. The police report enable you to ask the offender to pay you. It is up to him to pay by his own money or get from ‘his’ insurance company.

‘original’ service center doesn’t really matter here, what matter is approved service center by the insurance company of the guy who bang you, then they will do all the claims internally.

again, sorry if none of the above describe your situation.

one thing I like about technology is that when things like this happen, its best to take photos on

1) the 2 cars accidental
2) the damage area
3) his car plate number
4) his road tax sticker

and then the harder ones like

5) offender’s picture
6) offender’s IC