what to do if you are involved in a road accident? IN Malaysia TAKE CARE - |
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what to do if you are involved in a road accident? IN Malaysia
You may have injured yourself or another person or you may have damaged your vehicle or another person's vehicle in the process. If critical go to nearest hospital leave the car behind WITHOUT BLOCKING THE ROAD IF POSSIBLE-Get a medical report and if possible copies of medical reports.
ON TOW TRUCK OPERATOR
The best option is to call your car’s official service centre or dealer for emergency roadside assistance. Certain models with electronic gear selectors and/or parking brakes may even need a special tool to engage a “tow mode.” Otherwise, the next best choice is to go with the tow truck service provided by your motor insurance company, or an association like AAM (Automobile Association of Malaysia) that offers breakdown services.
At the accident site
call the police,call the insurance,call any one who can help /assist you
Toll truck operator will be there in a min Do not entertain him- call insurance get them to take the vehicle to an Branded authorised service center/repair center. Possible after arrival the police for them to record the even position of vehicles
Take down (take photo)the particulars of the vehicles involved in the accident -- registration numbers, If possible make of the vehicle (year and model), and colour.
Next, take down the particulars of the driver/passengers/witnesses -- name, address, identity card number, driving licence number, and telephone number (work and home).
take some photographs of the accident site as well as the vehicles involved. Remember to keep the negatives in a safe place as photographs without their negatives may not be admissible as evidence in court.
At the police station
You should make a police report within 24 hours of the accident at the nearest police station. If you are injured, seek medical aid first and then you can make a police report at the police beat base in the hospital. In your report you must explain how the accident happened.
You can write out the report in Bahasa Malaysia and then sign at the bottom of the report. If you cannot write in Bahasa Malaysia you can explain to the police officer on duty who will write it down for you.PROBABLY - Always ask for a certified copy of the police report.
Dealing with the damage
1. Read your insurance policy carefully. You should report the accident to your insurance company within the period stated in your policy. Otherwise your insurance company will not entertain your claim.
2. Arrange for your vehicle to be towed to an authorised workshop.AUTHORISED BY THE MAKE OF THE VEHICLE Here the damage to your vehicle will be assessed by assessors from the insurance company.
3. If you are injured, get medical attention immediately. Get a medical report and if possible copies of medical reports.
Keeping records
You should keep a proper record of the following:
Claiming for damage to your vehicle
There are two ways of claiming for damages to your vehicle.
(1) Claim from your own insurance company
Examine your insurance policy and note the excess clause in your policy. In order to claim from your own insurance company, your claim must exceed the excess clause. Then, the insurance company will pay the difference between your claim and the excess amount.
For example, if the excess clause is RM1,000 and your claim is RM800, you will not be able to claim from your own insurance company. But if your claim is for RM1,800, then you will be paid RM800.
Always remember that when you claim from your insurance company, you will lose your no-claim bonus.
(2) Claim from the other party's insurance company
You can also claim from the other party's insurance company. If you decide to do so, it is preferable to engage a lawyer.
Engaging a lawyer (personally i would not think about a lawyer at this stage)
If you want to file a claim, you should engage a lawyer. Remember, you have a right to choose your own lawyer. So, do not be influenced by people who pester you to accept the services of lawyers whom they represent.
Your lawyer will ask you to sign a warrant to act. This is a document appointing him/her as your lawyer and authorising the lawyer to act on your behalf. ( PERSONALLY IF I HAVE TO PAY THE LAWYER BEFORE INSURANCE PAYMENT I WOULD NOT EMPLOYER A LAWYER-A WASTE OF TIME AND MONEY) LAWYER MUST AGREE HIS FEES MUST COME FROM THE OTHER SIDE OR INSURANCE! THATS FOR ME
What will your lawyer do?
Your lawyer will:
What can you claim?
An injured person can claim for special damages, and general damages.
Keeping records
If the matter goes to trial, then the Court will have to decide the issues of :
If the defendant is fully responsible for the accident, he will be said to be 100% liable.
There may also be instances when the claimant is also partly responsible for the accident. In such a case, the plaintiff is said to be contributorily negligent.
In this case the Court will assess the degree of the claimant's responsibility in percentage terms in causing the accident and reduce the quantum accordingly.
Thus, if the Court finds that the claimant is 50% liable, then the Court will reduce the quantum by 50%.
Collecting the money
The cheque will issued by the insurance company in your name and will be forwarded to your lawyer. Your lawyer will then inform you to come to his office to collect the cheque.
One final warning! THIS IS CAPITALISTIC SOCIETY MONEY -ONLY -TALKS ,PLENTY WILL COME TO ASSIST TO SLAUGHTER TOO TAKE CARE.At a time like this you will be fragile but they do not care
Remember you have a right to choose your own lawyer.TO TRUCK OPERATOR ,REPAIR CENTRE Do not be forced into choosing a lawyer TRUCK OPERATOR ,REPAIR CENTRE,by touts.
you should never hand over your vehicle to someone that you do not know or trust, especially so if they appear even a tiny bit dodgy. Even if they appear to be nice, it’s always wise to err on the side of caution. Know that you have the rights to refuse their service and wait for your preferred tow truck to arrive.
this is very interesting story a true story in Malaysia take care
a response to the above the opinions advice stated are no by this blogger but for outside source except at your wish only On thing for certain DO NOT ALLOW TOW TRUCK OPERATOR TO TOUCH YOUR CAR- EVEN TOUCHING CAN CAUSE YOU MONEY
this webpage fails to mention one thing. the one and only thing – DO NOT MOVE THE CAR regardless of whatever the situation is, until the official insurance roadside service arrives.
nevermind the jam and traffic piles up – i am saying this honest and sarcasm free – you just dont panic and keep asking everyone to wait for the insurance roadside service arrives. even if you see people cursing or angry people all round you, in the above case including the pressuring police people.
that should be your first and foremost concern
1. With Toyota, you hardly have break down on the roadside.
2. Toyota provide you 24/7 road assist service. http://www.toyota.com.my/purchase-additions/24seven-road-assists.html
paid 2k just to release his car, paid another 2k to tow and then fix his car to decent workshop.
We have bigger problems, and this is only one of it.
This is what we should really rectify, as you would never want things like this happened to you or your beloved one.
but on a general note , what the hell happened to msia ????!!
Police said no choice, the thud is in charge of this area… so what to do? Sometimes I feel so helpless… in this world, who fierce who win….sadly…
would like to avoid it
tq
No actions have been taken so far after deploying over 100k officers in policing twitter?Do we need to put a hashtag in every crime post to get your officers’ attention so that you can get notice?
DS Liow TL still busy with his official opening of JPJ by having the slogan “JPJ sedia memberi perkhidmatan yang berkualiti kepada rakyat” and no time to look into our road safety???
C’mon mann, bapak-bapak sekalian yang berada di atas. Your rakyat,voters and non-voters are being bullied in broad daylight and no stern action has been taken against these thugs.
You have the tow truck’s plate registration number and you still busy crashing into rakyats’ premises to arrest for not paying your RM300 summons. Hello, the victim has paid more than RM2000 just to get his car back from the vultures, more than 6 times the RM300 summon.
This is getting ridiculous particularly letting the thugs running the business. This is meritocracy at its rotten stage.
i heard that before..
the workshop name starts with the location name aite?