车祸夹心饼之保险篇

之前在车祸夹心饼时问到:

对方没有报案, 我怎么 claim 对方的 insurance 呢?
如果某某某是肇祸司机, 车祸很严重, 需要赔 RM5000,
但是某某某不想被 claim insurance, 不赔受害者.
那受害者要自己 claim 自己的 insurance 来付那 RM5000 的修理费吗?
而某某某就只因不报案而被开那 RM300 的罚单而已吗?
这样那个受害者很倒霉, 某某某就可以那么幸运吗?
有谁知道答案, 麻烦留言告知啊. 谢谢. ^_^

Suevian 留言了:-

An insurance policy is a contract between the insurance company and the policy owner. If the policy owner fails to report to the insurance company about an accident, the insurance company will not be able to entertain the claim made by any third party as the company has no contract with the third party.

Therefore, the third party insurance company will only be responsible for handling your claim if its policy owner has requested it to step into her shoes for the loss/damage caused by him in the accident.

However, for the convenience of the general public, insurance companies have agreed to entertain third party claims even though their policy owners fail to make a report. You need to submit the claim for the insurance company's consideration within 14 days from the date of the accident together with the following documents:

a) a copy of your police report;

b) a copy of the policy owner's police report, if available;

c) if (b) is not available, your Statutory Declaration declaring the circumstances of the accident and identifying the policy owner's vehicle as a party to the accident; and

d) a copy of the police investigation report or a notification by the police as evidence that the insurance company's policy owner was at fault.

谢谢 Suevian. ^_^

供各位参考参考.

近日, 我又有点小忙了.

有空再 PO 吧.

继续工作去....

大家晚安.