There are many types of car insurance claims that can be made. Some insurance cases must be filed by your own insurance provider, and others are filed by another insurer. In addition, you can make a claim for property loss, physical injury, the loss of a loved one, insurance care, and if anyone sues you for local responsibility, to name a few. One of the claims involving car insurance is called no-fault own damage. Let’s get to know more about it, shall we?
What is a no-fault own damage claim?
A no-fault own damage claim is a benefit for private cars with Comprehensive policy and is only applicable if you are in an accident with another private car with a Comprehensive policy. It is an alternative to filing a Third Party Property Damage claim. Under a no-fault own damage claim, you can seek compensation against your insurer instead of the other person’s insurer for the damages the other person has caused to your vehicle in the event of a road accident. This is a benefit to you as it saves you the hassle of dealing with the other person’s insurer.
Who can make a no-fault damage claim?
It is indeed widely known that when you are involved in some kind of a road traffic accident that was not your fault, you are entitled to seek damages and losses from the third party insurer. This is what we called a no-fault own damage claim. How many of you know about the finer information, though? Covering the cost of the damage repairs is one thing, but there are also other financial losses to remember. To not even consider the fact that you would rather need something to drive if your car is already out of service when involved in such a huge accident.
It is important to know what your rights are after an accident. For instance, did you even know that even if your car is left out of services, in other words, a total loss in a no-fault car accident, you can claim a replacement vehicle to get you out of the road?
How to make a claim?
When you are involved in a no-fault own damage car accident, you have the right to demand an alternative car to help you commute while you wait for your car to be fixed. This is considered as an uninsured loss, and is not compensated by your own insurance policy; if you have a third party coverage, you only have a liability claim that is your responsibility, so everything else will be considered as an uninsured loss.
Some insurance providers are offering courtesy cars to help you get back on the road. However, it is important to keep in mind that no one is actually entitled to one according to the law.
Different insurance providers, however, have their own claim procedures and documents that you might need to fill up and follow through when making a no-fault damage claim towards your car. So let us look into some of the samples by the insurance providers below;
1. Etiqa Malaysia
If the accident was not your fault, you can make a no-fault own damage claim or also known as ‘Own Damage Knock-for-Knock’ claim. When submitting for this claim do ensure that you follow the process as stated:
- Completed claim form
- Original copy of police report
- Copy of driver’s and policyholder’s identity card and driving license
- Copy of vehicle ownership certificate
- Photos of accident scene and damages to the vehicle
- Police letter informing which part is compounded for the road traffic offence
2. Tokio Marine
As for Tokio Marine, report a loss or damage incident to the relevant authorities such as the Police immediately and once a report has been made, kindly notify Tokio Marine by using their Claims Service Portal. There is a list of documents that you will need to submit along with the police report which is listed below;
- Completed Claim Form
- Signed Declaration Form
- Police Report
- Third Party’s Police Report
- Police investigations/outcome report/compound on the party at fault
- Identity/name of third party’s insurer (copy of insurance policy if any)
- Photocopy of Driver’s Driving License
- Photocopy of Insured’s Identity Card or Passport
- Photocopy of Registration Card (both sides, front, and back)
- Photocopy of Road-tax
3. Kurnia Insurans
The no-fault own damage claim is the same as an own damage claim, except that your NCD (No Claims Discount) is not being forfeited. This claim is applicable when it is deemed that an accident is not your fault. It only covers the damages to your vehicle specified in the Policy and excluding any compensations such as compensation of assessed repair time unless you have extensive coverage on CART.
How to make a claim?
- Report the accident to the police within 24 hours as required by law.
- Send your vehicle to an authorised panel repairer. Find a repairer nearest to you here or you can call Kurnia at their Toll-Free Number for assistance.
What are the supporting documents?
- Claims Form
- Police Report (original copy)
- Updated vehicle’s registration card
- Insured & Driver’s Identity Card (copy)
- Insured & Driver’s Driving Licence (copy)
- Insurance policy/certificate (copy)
- Hire Purchase Agreement (copy) – applicable if there is a hire purchase
- A signed declaration letter from Insured
- Third Party’s Police Report
- Police finding or Police compound
- Police sketch plan & keys
- Third-party Vehicle’s insurer
Zurich believes in making your claims process as easy and hassle-free as possible. Here’s what you need to do to make your no-fault damage claim seamless:
Call Zurich’s 24-hour Roadside Assistance to help you with getting your vehicle to any authorised or panel workshop. Don’t forget to take photos of the accident scene as well as make a police report within 24 hours of the incident.
Submit all the required documents to the authorized or panel workshop within 7 days from the date of the incident. To ensure that you have the required documents ready;
- Police Report
- Copy of Insured’s and/or Driver’s Driving License
- Copy of Insured’s Identity Card or Business Registration Card
- Copy of Driver’s Identity Card
- Copy of Vehicle Registration Card or Vehicle Ownership Certificate
- Copy of Police Schedule or Cover Note (for Workshop’s verification)
Upon receipt of the full documents, the authorised or panel workshop will then proceed to submit your claim to Zurich for procession within 3 working days. You may check then check your claim status here (for Private Cars and Commercial Vehicles only).
The final step upon completion of all the previous steps, look forward to receiving an SMS at the point of successful registration and approval of your claim. The authorised or panel workshop will contact you as soon as your vehicle has been repaired and is ready for collection.
Will basic no-fault pay for the damages to your car?
A no-fault own damage claim covers the loss or damage to your vehicle due to an accident under the comprehensive policy.
There is an important matter that you should know when making a no-fault own damage claim. You will not lose your NCD (No Claim Discount) entitlement. However, you will be subject to the same charges under an Own Damage Claim (Betterment, Excess, and Endorsement 2(f)). You may then write to the other party’s insurer seeking reimbursement for all the above charges except betterment.
If the accident is found to be caused by you, your no-fault own damage claim will, however, be converted into an Own Damage claim. In this case, you will lose your NCD entitlement at the next renewal of your motor vehicle policy.
What are the supporting documents needed to make the claim?
The Motor Claims Guide is a detailed guide developed by the Malaysian insurance and takaful industry containing key information regarding motor insurance or takaful. The Motor Claims Guide aims to help the public better understand the overall claims settlement process by making transparent key information. When making a claim, compile as much as the following information and documents as possible and submit them to the insurer within the stipulated time frame:
- Within 7 days of the date of accident/loss if you are not physically disabled or hospitalized following the event.
- Within 30 days or as soon as practicable if you are physically disabled as a result of the event.
The documents required to be submitted for the no-fault own damage claim as per the Motor Claim Guide is:
- Claim Form
- Original copy of police reports
- Made by you directly after the accident
- Police letter informing which party is compounded for a road traffic offence
- Copy of NRIC (Identification Card) of driver
- Copy of driving license of
- Vehicle registration card
- Bill of repair costs of own vehicle or property
- Photos of (if possible)
- Accident scene
- Damages to the vehicle at the accident scene
Now that we have learned all the important things in regards to no-fault own damage claims, you can now drive and be at peace with it. There’s nothing to worry about now as Qoala will always ensure that the choices you made are the right choice! Stay tuned for more tips and information from Qoala!