Car Insurance Claim VOID - IMPORTANT Part 1

in any case, when making a police report you must ALWAYS report that the CAR WAS STOLEN without your knowledge. If you reported it as the car was driven away when it was left in the car wash, NO INSURANCE will pay you. You only can sue the company for negligence.


ADVICE: Let the professional do the report!! A car crashed and broke a lamp post and the towing agent ask to pay RM100 to let him and 'the professional' do the standard report that can guarantee get the insurance clams! Got the claims and escape paying for the broken lamp post! If you were to report the actual reasons your way on how the car crashed, you won't be able to get the insurance claims.


NOTE: Reason such as tyre bursts, driver sleepy, car skidded, heavy rain, car went out of control, road slippery etc all these reasons will be rejected by insurance companies and you get zero claims. it mus be reported as an accident NOT BECAUSE OF YOUR FAULT, ROAD FAULT, THE CAR'S TECHNICAL FAULT, ROAD FAULT, WEATHER'S FAULT BUT must put the blame on others as the cause of accident!


You can declare yourself as the cause of accident, can still get the insurance claim, but the Police will fine you first RM300 and you have to pay for the replacement of the damaged lampost!! A lamp post at PLUS Highway will cost you RM4,000!!!!


In an unrelated event:
lost of IC. If you lose your IC and go to get a replacement at the JPN the fine is RM100 for a first offender. If you lost your IC again, the fine will be doubled and so on. If you made the police report that your IC was pick-pocketed somewhere in Pasar Malam, the JPN won't fine you! You get the replacement for free within 24 hr! Just tryingto out smart them.


Same thing if you parked your car under a tree and a branch feel off and damaged your car. If you report as a parked car - your claim will not be entertained. You have to report that while you are driving your car, the branch fell and damaged your car.

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