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Message: <blockquote data-quote="eyong" data-source="post: 2502961" data-attributes="member: 23540">Re: Polisi Insuran - Tolong SayaYou have to forge out 25% due to the batement is because your car is more than 5 years old. Some insurance (if not all) does not alllow full new parts compensation since it's been on the market for so long. They want to encourage to use old parts (ie. they plan to save money). So, whatever you claim new, they will deduct between 25-40% which end up as your final claim. You have to work with your panel shop for the final approved amount and get them to find second-hand or potong items. That's for the batement issue.I don't know about your case, but first you should go to the police station and look for the IO (Investigation Officer, usually a Sergent) and get the final letter (the one that says you are or not at fault) from him. You can ask your panel to get it but they charge like RM100-200 for their service (fuckers), but if you get it yourself, it's RM2 per copy (get 2 copies, one for your panel/insurance and one for your keeping).Last thing is liase closely with your insurance agent on this. This is part of his service in such unfortunate cases. If he push here, push there, maybe you should consider someone else instead. Most panel shops would want you to claim your own insurance so that they get faster approval and payment (you should trust no one on this). So, work with the police, your agent and make then panel shop work for your business.Hope this helps alittle ... Sorry to hear about your misfortune ...</blockquote>

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