Wednesday, 29 February 2012

Car accident and insurance claim

*post dated entry*

Orang langgar belakang kereta saya!!!!For the 1st time I was hit this bad...memang clueless on what to do....seriously!!!!Dengan husband was on his way to Phuket that morning..dengan hujan lebat selebat alam...I was practically alone... The first thing I did was...called up my husband, nasib lah his flight was at 9AM ..kalau gamak time accident he was already on board....
agak menangis and berpeluh ketiak jugak kot...  
*parents memang ada, tapi segan pula nak kacau pagi-pagi buta..*

How la did it happen Lela oiii?!?!?!....It was clearly not my fault. She was the one who did not hit the brake while the cars ahead were all stationary. ...and furthermore, she was driving fast..60km/h..and at that speed for a Kelisa is considered fast kan?I presume je ni...


My birthday gift  from hubby kena langgar on 24th Feb 2012 at 0705 hours  :'(
Her Kelisa was badly 'injured' juga la. Her whole front bumper dented, both her lights were crashed..car bonet was at a toll too..


A primary teacher driver-nya..."Akak tak pakai cermin mata.." ..I was like.."Duuuh...dah tau rabun,pakai la mata..nak nye time hujan lebat macam ni". Made my blood go up stairs je tau minah ni...Dah la I was rushing to the office to catch a meeting.


The police officer took our statements for him to draft out the car accident report. Was an approachable policeman I would say..was polite ...and soft spoken..sangat polis di-raja.

Policeman A: Ok puan, saya sudah siapkan report ni, cuba puan baca dan beri pengesahan
Me : Im ok with the statement. Asalkan butir-butir penting ada dinyatakan.
 Cikgu : Encik...ejaan 'kerosakan' tu ada satu 'k' je, bukan 2...

I was like....adddooyaaiiiiiii.......tang ni kisah, tang mematuhi undang-undang jalan raya dan potong kiri di traffic light tak kisah pula.....~haih~ lawak pun ada,geram pun ada...all mixed feelings.


Calling up her husband...Sometimes I wonder, dah berkerja bertahun-tahun and bergaji tetap setiap bulan pun still guna prepaid ke? She had to use the station's telephone to reach her husband..turned out si husband ni tak bawa pula handphone nya....hmmmmmmmmmmmmmmmmmmmmmmm lagi...

 A little background about them ni...
both husband and wife are government servants. Seorang pengajar, seorang kerja with LHDN. Hmmmm...wife was ok..husband was a bit rude..

1st scene - As he arrived at the station, typical tak-de adab punya malay guy...he asked me where his wife has gone....tiada salam,tiada senyum..

2nd scene - While both of them were in a discussion, of course la I strayed a little bit further from them...kang kata kepoh pulak kan...Then tiba-tiba..."Lela...come" ...eh eh..panggil aku macam aku ni siapa je pada kau ha?!?!!

3rd scene - He was literally scolding and raised his voice the car mechanics who came to the rescue to tow his car.."Berapa lama boleh siap?".."Kalau tak siap macam mana?"..."I tak kisah,kalau tak siap kereta,apa you nak buat"....

Sarcastically, mechanic cina tu pun jawab la .."kalau tak siap you angkat balik jumaat la" ..

Haa...padan muka..kurang ajar sangat...orang tu dah datang jauh-jauh to help you, kira bagus la jugak...

Arrghhh...Enough said lah..malas nak cerita scene kurang ajar laki nya tuh lagi..just so inexplicable!!!!


So how is the procedure if your car is hit like in my kes ni? 

Based on my recent experience la ye.....

Step 1:  Take as much pictures of your vehicle and all the vehicles involved. Such as the damages and the car registration number.

Step 2: Take pictures of your surrounding juga. This may come in handy to prove to the investigators where the accident had occurred. Bukan apa, di Malaysia ni,little did I know ada undang-undang macam ini. Kalau you accident dalam district A, you kena report to police station A even though police station B is much much nearer to you right now.

Contoh macam ni la..meh I draw sikit..


Example: Accident (marked in red) di District Turquoise vicinity..and the nearest police station ( dark green square) is located in District Blue.But nooooo...you have to go allll the way to the one in District Turquoise tu juga..hmmm..so unpractical. Takde centralized system kah? Meh bagi budak-budak univeristy I buatkan (eh eh..ter-promote sikit) ...Wallahualam...

So back to the steps eh..

Step 3: Make a police report. All victims at 1 station. Jangan la sorang sana, sorang pergi station lain pula ye..You'll be given a copy of the police report for your insurance claims.

Step 4: Present your IC, Lesen memandu to the police man. Depa nak tengok gambar hangpa kat dua-dua cards ni..Jangan lesen memandu over due sudah..

Step 5 : Array(s) of tow trucks will be there juga,stand by for the right time to ambush and start offering their services. Politely reject them. Apa-apa hal,buat report dulu.To which workshop to get your car fixed,later...

Step 6 : A special police traffic officer will come over to capture some pictures. BUKAN gambar u,tapi gambar kereta-kereta yang terlibat for insurance claims purposes. U tak perlu nak pose macam all those car models tu juga..so jangan risau..

Step 7: Memang secara automatik si pelanggar akan dikenakan kompoun.So,the teacher kena RM300. 
 But nothing surprising....
 "Saya ada kelebihan sebab dulu saya pernah berkerja di Balai Polis Sri Aman.Saya boleh settlekan nama puan dengan segera lah.Puan bayar RM150, tapi dalam resit nanti jumlahnya akan kurang dari RM150 lah ye"

And dengan mengikut  kata-kata itu, si pengajar yang mengajar anak-anak kita tentang nilai-nilai murni, amanah dan jujur pun dengan segera membayar RM150...CASH.

*hhmmm...cant say much..suka hati cikgu lah..Anggap I was not there saje*

Step 8 : Selesai with the police report. Hal kereta pula. Kalau diikutkan, bayaran CASH lagi cepat dan mudah, tapi si pelanggar insisted to use her insurance..I nak hantar to my favourite workshop pun tak boleh since the workshop BUKAN AGENT INSURANCE plus he only accept CASH and si pelanggar did not want to fork out her purse...jadinya, terpaksalah opt for the workshop yang di-rekemen oleh police traffic ni tadi (she sent her car to the same workshop too)...

So make sure, KALAU terjadi pada u,kena cari workshop di mana ia adalah agent insurance or what I've been told,check out for .."Approved Repairer bu PIAM"
 

Step 9 : All you need to produce to the workshop ialah  (1) Your photocopy IC, (2) Photocopy lesen memandu . (3) Photocopy geran kereta (4) Photocopy front page of your car insurance.(5) the photocopy of the police report tadi.

Macam I, my car is under Kurnia Insurance, whereby the Kelisa is under Takaful Maybank. This is not an issue,boleh juga kita claim .Technically,by providing the documents I mentioned di atas itu, this will not impact on my car insurance langsung. Just as an acknowledgement to my car insurance company saje..NCB semua tak kacau.

Step 10: You need not to do anyhthing else dah...no payment at all from your side...just wait for your car to be ready.

There...10 lengthy learning points that I gained accidentally  ;p ....I hope this will give you (especially the ladies) a rough idea on what to do if you are in this situation...well....kan nya kita selalu rely on our husbands/dads/brothers ( in sequence)..but what if they are not around..






4 comments:

tEddY~IbU_Pu3 said...

As salam.
Nice blog.N ur bb girl sangat chomei,most of the pictures taken all she smile...Cute..Anyway thx for the info.I,kalo at ur place mesti gelabah habis..Thx babe..

Thx-mas
Coffeetehsusu.blogspot.com

lela nasir said...

hai..thx for reading up my blog..ha tu la..mmg mula2 tak tau apa2..call sana sini ty procedure..sorang2 sampai settle semua..huhuh..

cik aletheea: said...

oh.. takutnye kalau accident , dapat2 pagi pagi hari yang semua orang pun berpusu-pusu nak gie opis..dah le kene langgar, malu lagik bile sume org pun tgk je, pastu nak kene gi buat report, dah tentu le x bleh settle within 1-2 hr, mesti nak kene ambil cuti.. anyway,
as a single driver,
memang u nye advise nie boleh membantu if its happen to me.
thanks ya.
btw, cantik name bb u cute.. (^_^)

lela nasir said...

thx cik aletheea..for reading my blog..yes...mmg half a day masa tu..terpaksa amik half day off..buang masa sbb nak tunggu police officer tu datang and macam2.. :)