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Berhati-hati Dengan Work Shop Panel Insurans Anda


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#11
alldisc

Posted 12 January 2009 - 11:28 AM

alldisc

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a car can be write off in several ways, in UK alone there are 4 categories of write off.

in malaysia it goes like this

a. if the cost to repair back exceeds 70%, then it is not economical to repair. insurance may pay full amount according to market value to the insured/hirer. and they will try to get more payment by selling the wreck to half cut dealers or workshops that need them as salvage.

b. if the car is totally unrepairable, for example burnt out then it is straight forward case. write off.

c. even though a car is damaged badly but the amount to repair is not so high; say 60% of the market value but the chassis maybe distort and would jeopardise the user in future than it can be considered write-off. of course it all depends on the courtesy of the insurance.
a good example of this is when a car spun into a tree and then rolled over several times. this may cause the wheelhouse chassis bent/buckled, all the roof pillars colapse and both quarter panels crumpled.

i am sorry i do not have the answer for your query but let me guess.

the car is in peninsular, the repairer workshop in peninsular, so all the parts used to repair would be purchased in peninsular and they come with taxes.
there will dispute whether the insurance will use the market value as per peninsular or langkawi so it is up to them to decide.

if they say the car is write off, i believe the consequence wont be so bad because the original purchasing price of the car was also low.

#12
2cents

Posted 12 January 2009 - 10:11 PM

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Again, many thanks for the info.
I think a small clarification is needed. I do not think that there will be dispute as the the market value of the car as per Langkawi, or peninsular per se, after all that is as per according to where the car is registered. Langkawi car will have their special reg number, no issues here.

What I am more interested is that lot of parts seems to be tax free (my perception - correct me if I am wrong), hence the whole point of contention is that they can replace in the car for much less than if they were to write off the car, including replacing the engine and gearbox.

This observation started off from knowing that there is this land cruiser that i came to know and used, the whole "shell" is taken off, replaced everything underneath it, for far less than the market value. With a ladder frame chasis taken totally apart, the whole car became "new" even, except the the shell / frame that sit on it. New parts, new engine, gearbox, suspension, down to the whole chasis more or less, new seat cushion everything! Only thing is shell plus a few places where the chasis number is engraved on. I do not really know enough how it is done, as the owner explain to me, when tax free, this is not so expensive. in the end, this car technically is brand "new", but as far as jpj goes, it receive a new engine transplant.
off course, people in small town have all the time to do it too.




QUOTE (alldisc @ Jan 12 2009, 11:28 AM) <{POST_SNAPBACK}>
a car can be write off in several ways, in UK alone there are 4 categories of write off.

in malaysia it goes like this

a. if the cost to repair back exceeds 70%, then it is not economical to repair. insurance may pay full amount according to market value to the insured/hirer. and they will try to get more payment by selling the wreck to half cut dealers or workshops that need them as salvage.

b. if the car is totally unrepairable, for example burnt out then it is straight forward case. write off.

c. even though a car is damaged badly but the amount to repair is not so high; say 60% of the market value but the chassis maybe distort and would jeopardise the user in future than it can be considered write-off. of course it all depends on the courtesy of the insurance.
a good example of this is when a car spun into a tree and then rolled over several times. this may cause the wheelhouse chassis bent/buckled, all the roof pillars colapse and both quarter panels crumpled.

i am sorry i do not have the answer for your query but let me guess.

the car is in peninsular, the repairer workshop in peninsular, so all the parts used to repair would be purchased in peninsular and they come with taxes.
there will dispute whether the insurance will use the market value as per peninsular or langkawi so it is up to them to decide.

if they say the car is write off, i believe the consequence wont be so bad because the original purchasing price of the car was also low.



#13
alldisc

Posted 13 January 2009 - 12:19 PM

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QUOTE (2cents @ Jan 12 2009, 10:11 PM) <{POST_SNAPBACK}>
Again, many thanks for the info.
I think a small clarification is needed. I do not think that there will be dispute as the the market value of the car as per Langkawi, or peninsular per se, after all that is as per according to where the car is registered. Langkawi car will have their special reg number, no issues here.

What I am more interested is that lot of parts seems to be tax free (my perception - correct me if I am wrong), hence the whole point of contention is that they can replace in the car for much less than if they were to write off the car, including replacing the engine and gearbox.

This observation started off from knowing that there is this land cruiser that i came to know and used, the whole "shell" is taken off, replaced everything underneath it, for far less than the market value. With a ladder frame chasis taken totally apart, the whole car became "new" even, except the the shell / frame that sit on it. New parts, new engine, gearbox, suspension, down to the whole chasis more or less, new seat cushion everything! Only thing is shell plus a few places where the chasis number is engraved on. I do not really know enough how it is done, as the owner explain to me, when tax free, this is not so expensive. in the end, this car technically is brand "new", but as far as jpj goes, it receive a new engine transplant.
off course, people in small town have all the time to do it too.

any vehicle parts or components sold in malaysia will be subjected to tax.

for example, one new perdana will sell around RM100,000. but if take into consideration all the parts together the final sum may be around 160K or sumthing like that. of course, franchise dealers will mark up the price accordingly. things that hardly sell will be priced higher as a part of storage costs.

vehicles like lan cruiser, or lorries (whether rigid type or prime mover) come with a step ladder chassis becos they are more durable to heavy duty. the chassis numbers are stamped on the frame itself and that allows the body to be replaced separately in terms of severe collision.

the disadvantage of this concept is that there are excessive vibrations causing discomfort during on the move. monocoque is the choice to make a passenger car becoz of this advantage, even though less sturdy which is not really necessary.

#14
haroldz

Posted 14 January 2009 - 01:54 PM

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can we ask for the replacing spare part from the workshop?
i dun think the insurance company will reveal the exact amount of the claim by the workshop.

i think it is a normal/ common thing for workshop to claim for new spare part price but in fact use recon/ 2nd spare part.


#15
alldisc

Posted 21 January 2009 - 11:07 AM

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QUOTE (haroldz @ Jan 14 2009, 02:54 PM) <{POST_SNAPBACK}>
can we ask for the replacing spare part from the workshop?
i dun think the insurance company will reveal the exact amount of the claim by the workshop.

i think it is a normal/ common thing for workshop to claim for new spare part price but in fact use recon/ 2nd spare part.


if you read all my repleis from the beginning of the thread you will know why. please spare some time to read before making any blind statements.

#16
Mean

Posted 16 February 2009 - 12:32 PM

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QUOTE (alldisc @ Jan 21 2009, 11:07 AM) <{POST_SNAPBACK}>
if you read all my repleis from the beginning of the thread you will know why. please spare some time to read before making any blind statements.



Is it wrong to post in Bahasa Malaysia here?

I miss my Perdana V6...<FONT size=2><FONT face=Verdana><EM>

1999 c.c. V6 24 VALVE DOHC EFI ABS but no airbags<P></P>

#17
kllam

Posted 30 March 2009 - 12:23 PM

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Seng Motor opposite Shell Kinrara should be blacklisted
ABS is Actual BullShit, having it on my car is like admitting that I take viagra!


#18
haroldz

Posted 23 April 2009 - 02:08 PM

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QUOTE (alldisc @ Jan 21 2009, 11:07 AM) <{POST_SNAPBACK}>
if you read all my repleis from the beginning of the thread you will know why. please spare some time to read before making any blind statements.


not blind statement..
true event happend to my colleague satria neo

more than 6 months in the workshop
actually spare parts is below RM10k but the workshop claim over RM10k from the insurance.
the insurance do not want to reveal exact total n list of spare part claimed by the workshop.

i think it is common practice in msia..


#19
bOROi

Posted 24 April 2009 - 10:57 AM

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QUOTE (haroldz @ Apr 23 2009, 02:08 PM) <{POST_SNAPBACK}>
not blind statement..
true event happend to my colleague satria neo

more than 6 months in the workshop
actually spare parts is below RM10k but the workshop claim over RM10k from the insurance.
the insurance do not want to reveal exact total n list of spare part claimed by the workshop.

i think it is common practice in msia..


From my own observation and experience la....firstly most car insurance buyers do not give much thought when buying insurance, purely to satisfy the need to renew roadtax and hopefully if meet accident or loss by theft, they will be compensated adequately. Suddenly an accident occurs and then he finds that there are many parties that could pour cold water on all his plans.........firstly the insurance company, then the adjuster and last but not least the repair shop..... anyone of these could cause untold misery to the insured.

My suggestion is when buying insurance, buy from a good insurance agent, meaning an active one with good contact with the insurance Company, better still if you have friends or friends who have friends working in at least managerial position, the higher the better, in an insurance Company, then buy from that Company, provided of course that manager is friendly and approachable, so if got problem can approach him. In this case the workshop will surely do a good job.
Myah United Rules!!!!

#20
wheelers

Posted 16 June 2011 - 11:38 AM

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QUOTE (dialova @ Dec 13 2008, 12:13 PM) <{POST_SNAPBACK}>
saya mengalami kemalangan jalan raya pd awal bulan sept 2008 dan telah menghantar kereta saya ke panel insuran.
apa yg amat menyedihkan saya work shop berkenaan tidak menukar spare part kereta saya seperti yg di senarai kepada pihak insuran. kebanyakkan part hanya direpair tidak spt yg dinyatakan part baru. saya telah menghubungi pihak insuran dan mereka telah menyuruh saya hantar kembali kereta itu ke workshop itu kembali,hati saya telah tawar untuk ke situ. dan tidak mustahil mereka akan cuba tukar part kereta saya yg lain nanti pula. saya pohon kepada sesiapa diantara anda jika ada cadangan apakah jalan terbaik untuk saya selesai masalah ini . sad.gif


complaint or report to kpdnkk (kementerian perdagangan dlm negeri, koperasi, dan kepenggunaan) and nccc (national consumer complaint centre). for reference refer to this case: reference