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07 July, 2008
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| 1. |
Stop your car and shut it off. |
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| 2. |
If it is unsafe to remain in the vehicle, get everyone out and away from the car and other traffic providing that no one is injured in the car. |
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| 3. |
Do not move anyone who is injured unless there is a life-threatening situation at hand, i.e. car caught in fire, possible further injury or leaking gasoline. If you have knowledge on first aid, apply it, as it will be helpful. |
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| 4. |
Call the police and/or ambulance or have someone else to call. Do it immediately if there are injuries. |
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| 5. |
If the vehicles are drivable and pose a hazard to others, drive the vehicle away from traffic and move to the side of the road. |
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| 6. |
Get the names, contact numbers, driver's license numbers, make and model of each vehicle involved, car registration number of those involved in the accident and insurance identification. |
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| 7. |
Get witnesses' phone numbers (try to get the numbers of those people that are not involved in the accident). |
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| 8. |
If possible, make a list of observable injuries and jot down the important details, i.e. the position of the vehicles, their direction of travel, warning or traffic signs, time of day and road and weather conditions. |
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| 9. |
Call our 24-hours Auto Assist at 1800-88-1111 and the team will provide free service for minor repairs, breakdowns and towing (up to RM300). |
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| 10. |
Do not authorise any towing services (that approaches you during the accident) to tow or repair your car. |
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| 11. |
Send your damaged vehicle to PanGlobal's authorised workshop. Please call 24 hours toll free line (1800-88-1111) for the nearest authorised workshop. |
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| 12. |
Then, complete a police accident report at the nearest police station within 24 hours. This report is needed as evidence when it comes to lodge a claim. |
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| 13. |
File a claim. Please call us at 1800-88-1111 and we will take you through the claims procedures, and you or your legal personal representative will be asked to complete a claim form. Depending on the type of claim you intend to make, you may have to notify other insurance companies. If you fail to report the accident, you will be liable for your own loss as well as any third party claim against you. |
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| 14. |
Request on how can you enjoy for free use of a Courtesy Car. |
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Always keep our Auto Assist toll free number (1800-88-1111) with you in case of emergency and this will save you from lots of hassle. |
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When you are involved in an accident, you may either make an own damage claim or a third party claim:
Own damage claim:
| i) |
This refers to making a claim on your own insurance policy, i.e. you have a comprehensive policy. However, you will lose your NCD entitlement. |
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| ii) |
In notifying your insurance company of the accident, enquire about the names of approved workshops to send your vehicle for repair. |
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| iii) |
Submit the fully completed Motor Accident Report Form together with all supporting documents as soon as possible to your insurance company. |
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| iv) |
The workshop will commence repairs on your vehicle upon the approval of your insurance company. |
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| v) |
Upon completion of repairs, you will be informed by the workshop to collect your vehicle. |
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Third party claim: |
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| i) |
You may make a third party claim if you are not the party at fault in the accident and you can retain your NCD entitlement. |
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| ii) |
There are two ways of making a third party claim, i.e. submit the claim directly to the insurance company of the party at fault or, if you have a comprehensive policy, submit the claim to your insurance company. You are encouraged to submit your claim to your own insurance company for speedier claims processing. |
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| iii) |
As the third party claimant, you are required to mitigate your loss i.e. you must act to minimise your loss. |
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| iv) |
Appoint a licensed adjuster to assess the loss. The workshop or the third party insurance company may advise you on this. |
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| v) |
Submit the adjuster's report and the fully completed Motor Accident Report Form together with all supporting documents as soon as possible. |
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| vi) |
You are eligible to claim from the third party insurance company for `compensation for actual repair time' (CART) and compensation of excess. For the actual repair time of your vehicle, this is based on the adjuster's recommendation on the number of days required for your car to be repaired. Insurance companies, at their own discretion, may allow an additional seven working days for any unforeseen or unavoidable delay. A standard scale of daily CART has been specified by the PIAM as follows:– |
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| Private Use Vehicles |
CART / Day |
| Up to 1500 cc |
RM 30 |
| Above 1500 cc - 2000 cc |
RM 40 |
| Above 2000 cc |
RM 50 |
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| Commercial Vehicles |
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| Up to 1 ton |
RM 40 |
| Above 1 ton - 2 tons |
RM 60 |
| Above 2 tons |
RM 90 |
| Trailer Lorries |
RM 120 |
| Buses (Private) |
RM 90 |
| Other Buses (Stage/Express) |
RM 180 |
| Taxi/Hire and Drive |
RM 40 |
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| Motocycles |
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| Up to 250cc |
RM 10 |
| Above 250 cc |
RM 15 |
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Alternatively, you may also claim the cost of hiring a replacement vehicle of equivalent type and capacity for the recommended number of days of actual repair time as evidenced by a receipt from a licensed car rental company.
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Theft claims : |
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| i) |
After submission of the claim form, you must cooperate fully with your insurance company or its representative during the course of investigation of the theft claim. |
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| ii) |
In view that the police and your insurance company will require time to investigate your claim, you will receive the offer of settlement from your insurance company within six months from the theft notification or upon completion of police investigations, whichever is earlier. |
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The principle of indemnity is crucial in insurance. Based on this principle, the insurance cover will compensate your loss by putting you back to the same position you were in immediately before the loss. As you will be compensated only for the loss suffered, you cannot 'profit' from a motor insurance claim. Therefore, if your vehicle is more than five years old, betterment will apply.
Betterment occurs when in the course of repairing an accident-damaged vehicle, an old part is replaced with a new franchise part. In line with the principle of indemnity, you will have to bear the difference in costs as you are in a better position after the accident with the new franchise part. However, the application of betterment is at the discretion of your insurance company. Should your insurance company apply betterment, it will be in accordance with the standard scale of betterment adopted by the industry as follows:
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| Age of Vehicles/Years |
Maximum Rate (%) |
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| Less than 5 years |
0 |
| 5 years |
15 |
| 6 years |
20 |
| 7 years |
25 |
| 8 years |
30 |
| 9 years |
35 |
| 10 years and above |
40 |
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