Accident

Disebabkan semalam kete hubby accident. so , i nak bg sikit tips-tips ttg bnda ni la..so, next time if it happened (berdoa semoga tiada lagi perkara-perkara buruk berlaku lg) again, so kite dah ade guideline.. xde la stress - blur- nk wat pe kan.

Ni pun credit kepada google. xigt dr forum mn ntah...

A few things you need to know about making police reports and insurance claims:

1. It is NOT TRUE that both parties will receive a summon from the
police when you make a report. This is what the party in the wrong
will tell you to scare you off from making a police report. The police
will only summon the driver who is at fault. So, if you are not at
fault, you don’t have to worry about being summoned if you make a
report.

2. If you are not in the wrong, you can now bring the police report
and judgment to the other party’s insurance company. It is very
important that you ask the other party which insurance company is his
covered under. This will save you a lot of hassle.

3. You will only lose your NCB (no claim bonus) if the other party
claims your insurance. You will not lose your NCB if the other party
is in the wrong and you make a report and later claim his insurance.
The party in the wrong will usually try to scare you off from making a
report and claim insurance by telling you that both parties will lose
their NCB. This is not true.

4. If you are in the wrong and is responsible for fixing the other
party’s car, always insist on sending the damaged car to your
mechanic. This is to ensure that you are not fleeced by the other
party working in cahoots with his mechanic. If the other party refuse
to use your mechanic, then tell him that you will only compensate him
based on the amount assessed by your own mechanic. If you cannot reach
an agreement on this, insist on making a report.

5. Never ever let those vulture car towing agents that wait by the
road side tow away your car. You may have to pay an exorbitant amount
to get back your car later on. You may even lose some good spare parts
if you meet some unscrupulous people. Always call in your own tow
truck. Call your regular mechanic and ask him to recommend a car
towing company.

6. If the negotiation fails, always tell the other party that you
would rather make a police report. The last thing you want is to be
hoodwinked by some lowly street rats (jangan gadoh-gadoh ok)