Are you prepared for car accidents? - continued

As a continuity to my post titled "Are you prepared for car accidents?", the followings are the documents that you need in case you want to make any claim for your car repair:

1. Copy of insured IC and driving license
2. Copy of driver's IC and driving license (if it's not the insured).
3. Copy of vehicle registration card.
4. Copy of insurance cover note.
5. Copy of hire purchase agreement
6. Copy of police report.
7. Copy of 3rd party police report.
8. Copy of 3rd party insurance info. This can be obtained from JPJ with a minimal cost of RM10.
9. Copy of police investigation report and sketch of the accident scene. This will only be available about 2 weeks to a month after the accident and you need to obtain it from the police station where the report was lodged. Make sure you are in good contact with the officers in charge. It will definitely help you a lot.

If you are not the guilty part, make sure the workshop make a claim to the 3rd party insurance directly. This way, you save on your Non-claim Discount (NCD). Problem will arise if you send your car to authorized service centre, like in my case Toyota Service Centre. For whatever reasons, they don't make direct 3rd party claim (I'm not too sure whether all service centres has the same policy). If this happens, you have the option of claiming thru Own Damage (OD) KFK. I don't exactly know what KFK stands for but in brief what OD KFK means is the workshop will claim to your motor insurance for the repair works and your motor insurance will claim the amount paid from the 3rd party insurance. This way, you still save on your NCD.

But in case, in the 3rd party police report stated that the 3rd party suffered injuries in that accident, OD KFK is not applicable anymore (it seems this is the Bank Negara policy). So, you will have to claim OD from you own motor insurance. This way, you will lose your NCD. In return, you can claim the current NCD that you have from the 3rd party motor insurance. They will pay cash back to you. This claim you would have to do it on your own. To me, either way it's still the same as long as you don't have to fork out any money for the repairs. Just that you have to go extra mile to claim the NCD from the 3rd party motor insurance. Either way, you still lose when it involves car accidents.

I hope this post is beneficial when in need.