Guidelines on settlement of vehicle theft

BP2011

如题,请问谁有相关方面的资料？

乐观子

BP2011 发表于 10-1-2012 09:02 PM

THEFT CLAIM
If the vehicle is stolen, and the policyholder has comprehensive cover,       the policyholder can make a claim by completing a Motor Loss Form at the       nearest Uni. Asia branch within 3 days from the loss.

The following documents have to be submitted:

- Police report
- Copy of policyholder's insurance policy or cover note
- Vehicle registration document (‘log book’)
- Identity card of policyholder and driver
- Driving licence of driver
- Hire purchase agreement, if applicable
- All keys for the lost vehicle
      
The branch will register the claim and conduct an in-house interview (1.after报警就call insurance 约时间做interview)using       the appropriate interview forms or appoint an independent adjuster to investigate       the theft where there are any areas of dispute. The policyholder will be       notified of the appointed adjuster.
      
The policyholder will (2.after interview就回家等insurance 寄信,信里面有一张是给polis知道insurance claim process以开始,一张是给bandaraya这个可以不用里) personally have to get a report from the Police on       the results of their own investigation of the theft. [No Further Action]
      
A claim for theft will be approved after 3 months from the date of the claim,       provided a No Further Action (NFA) (3.交信给polis时如果他没NFA就问几时可以close case,我的是当天给NFA)report is received from the Police. The       policyholder will have to personally obtain the report from the Police.       If a report is not available from the Police, the theft claim will be settled       within 180 days, as provided in the Guidelines by Bank Negara Malaysia.
      
A(4.拿到NFA就交给insurance,等几天之后call去问可以claim多少,协商后等discharge letter=要快就直接上司拿) discharge letter will be sent to the policyholder. It has to be signed       by the policyholder and the Finance Company. It has to be stamped with a       RM10 stamp duty and returned to Uni.Asia. Uni.Asia will(5.还回discharge letter等cheque,不用3个月搞掂) pay the claim within       7 days.
      
If there are loan repayments for the vehicle, the finance company will also       have to endorse the discharge letter, and the payment will be made directly       to the finance company.

Uni. Asia has to be notified if the vehicle is recovered in order to inspect       the vehicle for any damages. The appointed adjuster will have to inspect       the vehicle before removal to Uni. Asia’s Depot.

Once the repairs are completed, the car will be released to the policyholder       once the policyholder signs a discharge letter.            

http://www.uniasiageneral.com.my ... ct/claims_motor.php

BP2011

回复 2# 乐观子
多谢了，很好的guideline...

我想问：

1。A claim for theft will be approved after 3 months from the date of the claim,       provided a No Further Action (NFA)(3.交信给polis时如果他没NFA就问几时可以close case,我的是当天给NFA)report is received from the Police.
一定要3个月？如果nfa report早拿到是不是就不需等3个月？

      
2。拿到NFA就交给insurance,等几天之后call去问可以claim多少,协商后等discharge letter=要快就直接上司拿
拿到nfa report后不需要等adjuster的report 就可以问claim的东西？ 如何协商？通常dischargeletter 需等多久？



3。还回discharge letter等cheque,不用3个月搞掂
cheque 要3个月才会出？




4。那么整个过程不是要最少6个月？      

5。是赔market value 还是agreed value?

乐观子

回复 3# BP2011


1。A claim for theft will be approved after 3 months from the date of the claim,       provided a No Further Action (NFA)(3.交信给polis时如果他没NFA就问几时可以close case,我的是当天给NFA)report is received from the Police.
一定要3个月？如果nfa report早拿到是不是就不需等3个月？
不需要等3个月,提早那到NFA就可以提早claim到.没NFA就要等3个月后insurance那边close case但我看会超过3个月的因为bank negara给他们到180天


      
2。拿到NFA就交给insurance,等几天之后call去问可以claim多少,协商后等discharge letter=要快就直接上司拿
拿到nfa report后不需要等adjuster的report 就可以问claim的东西？ 如何协商？通常dischargeletter 需等多久？
应该是给了NFA之后他们才会开始找adjuster不燃车找到了那不是白做,Bank negara好象有一套system list down车的market value给他们跟的不过不知道开跑了吗.他们会proposed一个value给你同意之后就开始做discharge letter在pos laju给你2-3天后就到你家们



3。还回discharge letter等cheque,不用3个月搞掂
cheque 要3个月才会出？
你给回discharge letter给他们后,在7天内出cheque




4。那么整个过程不是要最少6个月？      
不是,提早拿到NFA再搞掂discharge letter就提早settle你的case(我的少过3个月).应该是就多6个月.


5。是赔market value 还是agreed value?
协商时你们来决定,不过好象现在Bank negara说是market value的100%(我的是100%market value)

pokerftw

教你，report过后，就拿着那些纸，还有你的车文件（车卡，保险policy etc）去你的保险总部交给那些人.然后等interview ! 过程我不太记得！还有，不必等警察3个月close case，用$$解决！我3个礼拜close case 了！close case 过后拿着那些资料交给insurance 公司等出cheque！他们会寄封信给你comfirm价钱！过后我不懂了，应为当收到那封信得时候，sergent打电话给我说我的车找到了！tmd现在拿回来多多问题，有不能卖车，bon case ! 应为有抓到人！如果lz的车真的找回来死都不要拿！你会像我一样后悔！还有insurance公司是在你不见车的当天算market value赔给你的！

pokerftw

其实过程还有很多，我一时想不起怎样跟你说，还要去什么地方sumpah等等！不见车的就是惨！手续麻烦到！lz你什么原因不见车？

BP2011

谢谢乐观子。你好像很有经验，你是做保险的吗？

乐观子，pokerftw，
我的NFA已拿到，ADJUSTER也来调查了，但他说要2个礼拜时间准备报告给保险公司。那是不是2个礼拜后我就可以打电话给给保险公司谈赔偿的事了？保险公司还有其他东西要PROCESS吗？怕到时候他们又说什么文件还没齐啦，内部调查啦。。。

pokerftw，如果警察说找到了可以不拿的吗？我的是假车祸被抢。。