Sad..Accident at JB

I involved an accident at JB just now, bumper and rim get scratched. Just get my car for 1 month only, and just done the CS-II last week.

The JB TP said is my fault, so should I claim my own insurance or should I pay the fix my own? Really very sad and no mood now.

If only bumper get scratched, den repair it at a workshop outside ba. It will cost only $200-300.

u can do it much cheaper in jb since u knw how to go in jb and JB also got forte liao.

JB TP will determine whose fault one ah...lol

So you guys think I should keep quiet so that I can get NCP discount next year? Maybe I just use touch up paint to cover it..but the Rim...haiz

u still need to submit accident form. as long as u dun claim, it shud not affect ur ncd....

JuanST wrote:u still need to submit accident form. as long as u dun claim, it shud not affect ur ncd....

but if no plans to claim how come still need to submit accident form
submitting accident form and stating its your fault, will kana demerit points a not ah ?

Siaoster wrote:

JuanST wrote:u still need to submit accident form. as long as u dun claim, it shud not affect ur ncd....

but if no plans to claim how come still need to submit accident form
submitting accident form and stating its your fault, will kana demerit points a not ah ?

thats what insurance company say... point are not related to accidents.... accidents not considered violations.

if I not wrong, claim insurance have to pay excess before they pay the rest of the repair bill right? if can repair for $600, then no point claiming. That was what I was thinking as I looked at the insurance renewal document.

hi want to repair your bumper and rim can msg me.

without knowing the nature of the accident, personally i wouldnt report since the accident occured in jb unless its a serious one or someone injuried.

extracted from gia...
"
Should you, as a vehicle owner, fail to report to your insurers within 24 hours of the accident, then you may find yourself prejudiced. That is, your insurers will have the right to reject your claim or to claim from you any sums paid by them for a third party claim made against you or your driver. This may result in a loss of your No Claim Discount when you review your policy next.
"

I already reported at JB Traffic Police. I also reported at Police station that guy punch me, my month was bleeding last night..damn. And queue for medical checkup at JB till 2AM.

siewsphone wrote:I already reported at JB Traffic Police. I also reported at Police station that guy punch me, my month was bleeding last night..damn. And queue for medical checkup at JB till 2AM.

Road bully!!! what the heck.. The other car is it youngster beng or what... When involved accident, best is to keep everything cool..

I hope is not like this shown in the youtube -> https://www.youtube.com/watch?v=B_j1c1FP85k

siewsphone wrote:I already reported at JB Traffic Police. I also reported at Police station that guy punch me, my month was bleeding last night..damn. And queue for medical checkup at JB till 2AM.

eh... so serious?.. heh are you okay?..

for a moment there, you only talk about bumper, sounds like small case.

Such a big case, you will want to report to your insurance EVEN if you don't claim.

Bearing in mind, that things got to this stage, the other guy can sabo you and sue you for injury (yes, i know he punch you), but he can twist and turn. When that happens, your insurance won't cover you against 3rd party claims coz you never report.

So, its better that you report.

hope u get well.!

Serious?? hope u r ok, yea, would strongly agree that u go and report too and state down things clearly.
car damage is one thing, ur own body/ health more important, hope the injury is not too bad.
All the best~

shyt.... u make it sound so small.... then got injury involved oso....... like this it is better that u report to ur insurer, coz this guy will definitely claim against u....

i hope ur ok.
can tell full story? why he "needed" to get physical?

The other vehicle u got involved with, is Boleh plate or SG plate? I think makes a lot of difference

Fortec wrote:The other vehicle u got involved with, is Boleh plate or SG plate? I think makes a lot of difference

if boleh plate, they cannot claim against us?

Just came back from Malaysia police station, I'm still in malaysia, talked to the Malaysia inspector. He will summon the guy. and listen his story, and he more like at my side, he wonder why traffic police said is my fault. Btw, that car is boleh plate perodua kancil

since ur still there, pls call aig/ur insurer just to cover urself and make sure that u can submit accident report after 24 hrs.... else later they might go technical on u....

thanks for the advice, just called insurer, they said no need to get a sg police report, malaysia police report will do, just asked me go C&C on monday.

siewsphone wrote:Just came back from Malaysia police station, I'm still in malaysia, talked to the Malaysia inspector. He will summon the guy. and listen his story, and he more like at my side, he wonder why traffic police said is my fault. Btw, that car is boleh plate perodua kancil

Glad hearing that, think so you should really get close to the inspector.. as you know in bolehland.. $talks..
TP there.. sides their pockets only... soo....

Just for info. If you have an accident with Malaysia car, most likely you can only claim your own insurance. Meaning next year your premium will "Wow" and no more NCD.

but can they claim against us?

Here is my poor forte scratched parts.

JuanST wrote:but can they claim against us?

I know we cannot claim against them or more likely very difficult to claim against them. Therefore, our insurer will say cannot calim against them and eat into your own claim. Similar, our insurer can also choose to ignore their claim... I do not know their stand.

Let say, if they only knew your car number, how are they able to claim against you without knowing who is your insurer and any of your details?

siewsphone wrote:Here is my poor forte scratched parts.

Does not look too serious... If you have high NCD, such damage should not inform insurer...

as long as he dun claim, his ncd shud not be affected or is it?

Forte002 wrote:

siewsphone wrote:Here is my poor forte scratched parts.

Does not look too serious... If you have high NCD, such damage should not inform insurer...

i have 0 ncd...just got my car less than 1 month, new car

siewsphone wrote:

Forte002 wrote:

siewsphone wrote:Here is my poor forte scratched parts.

Does not look too serious... If you have high NCD, such damage should not inform insurer...

i have 0 ncd...just got my car less than 1 month, new car

Nevermind then... Anyway, it should not cost much for the repair. Just have to be more proactive in searching for quotes in your insurance renewal to get the best deal.

Ur damage is very minor no worries! Tat guy who punched u is way out of line. Car is a material thing.....sigh.....values all wrong.
I would seek legal help to ask for compensation.

My car rims kerb rashes worse! All thx to my lovely wife hahaha!

The bumper can juz touched up or leave it coz it's plastic won't rust or anything other than a bit of heartpain n eyesore.

Most important u ok can liao.

Thanks for all the concerns from all of you, just find out a dent on the car body =.=

I got about 6 plus. Immune liao hahaha!

siewsphone wrote:Thanks for all the concerns from all of you, just find out a dent on the car body =.=

I know how you feel, it hurts as you just bought your car. But, it's very minor scratches only on the bumper and no dent. After a while, you will get over with it. The rims will get more scratches further or sooner as you drive.

I'm driving a Cerato for 4 years already. When it was brand new, I was devastated by the first deep scratch on the car door. Now, I'm couldn't even be bothered by any scratches at all on its exterior unless the metal parts are exposed or dented. What's more important is look after the main engine components of your car by regular servicing and in return it will serve you well.

Trust me, time will heal the pain. If I were you, I would just buy some touch up paint from LK and cover it over.

siewsphone wrote:So you guys think I should keep quiet so that I can get NCP discount next year? Maybe I just use touch up paint to cover it..but the Rim...haiz

spend the few hundered to repair. dun touch the insurance. and whats so good about jb? dun go there in future

After I got enough rest, I decided to DIY repairing the cosmetic problem. I think it is very hard to maintain a scratch-less car for everyday usage. Like one of the brothers said, exterior is for public only interior is for your own. I might spend those extra money for ICE and others stuffs.

last week, saw my left hand pax door got a new 1 cm dent (with 2cm scratch line marking)......somehow I dun feel much pain and has forgotten all about it .....

Feel ur pain... was involved in an accident in Feb too.....

Most impt, u r safe and sound. But why do the Boleh land driver come to blows???? its just an accident.

forte3737 wrote:

siewsphone wrote:So you guys think I should keep quiet so that I can get NCP discount next year? Maybe I just use touch up paint to cover it..but the Rim...haiz

spend the few hundered to repair. dun touch the insurance. and whats so good about jb? dun go there in future

agreed!

You can report just in case the other party go out of the way just to claim against you all the way from malaysia. For your own damages, you have to assess if you wish to claim or not on the cost like car dmgs and medical cost invovled.

When you report, you can choose to claim or not to claim your own damages. But the reporting is just to protect you. i.e if someone comes up with a claim against you and cost comes up to few k and because you did not report the claims to the insurer, the few K is to be borned by yourself and your ncd will still be affected. Of course if no one claims against you then no problem at all but do not take people's words for it.

A few bros have been in situations where the other party come back and claim against them though they mentioned that it was their fault previously.