What You Need To Do In The Event of an Unfortunate Accident

Car Accident can occur unexpectedly and it always sudden and happen really quickly.

It is very important to stay calm and get help in this situation.

Never take the matter on your own hand.

If you loss your temper then you may doing something that you may never be able to take back.

car-accident

What You Need To Do In The Event of an Unfortunate Accident

1) Be calm, avoid argument or dispute and not to be frantic.

Please check the damage of your own vehicle immediately and also note down the other vehicle’s number.

2) If there are any injuries involved, immediately call 999 and call for ambulance or fire engine

3) If no injuries, move your vehicle to a safe area away from the traffic. Remember to turn on the hazard lights to warn oncoming traffic of your position.

” Always avoid argument, dispute or controversy. Instead, politely request for important details.”

4) Exchange your respective insurance information i.e Identification Card Number, Car number plate, car make, contact number

5) Do take photos of accident scene, car and  driver (if possible)

6) Should one suffer minor damages, it would be advisable to negotiate for an out of court settlement of the claim with the other party.

Do this only when BOTH parties agree to the amicable settlement.

Upon agreeing to the form of settlement in terms of consideration on cash or repair at workshop, one MUST sign a Discharge Form.

This Discharge Form(two copies) will Discharge both parties from any future implication of liability with regard to this particular incident.

If one chooses to make an own damage claim against their insurance company, he or she must report to the nearest Police station within 24 hours after the accident. failing to do so, the police will issue a summon amounting not more than RM300.00.

Your vehicle need to be inspected and photographs taken by the police.

It is very important to reject the services of tow trucks that arrive uncalled on the scene. They are everywhere and would reached at the accident scene in the split of second!

There are known as ‘vultures’ by locals, these tow trucks look for accidents and offer to tow the car to their workshop before charging an extremely high rate for their assistance. Always use your insurance company’s tow trucks services.

When there is a claim against your or their insurance company then the No Claim Discount(NCD) would be Void.

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What is NCD?

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NCD, short for No Claim Discount, is a discount given to the policyholders upon renewal of their motor insurance if no claim is made or arises from the policy for a continuous coverage of twelve  months.
The discount given is based on a fixed rate provided by Persatuan Insurans Am Malaysia (PIAM) Motor Tariff.
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NCD For Private Car

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Period of Insurance Discount
After the first year of insurance 25%
After the second year of insurance 30%
After the third year of insurance 38.33%
After the fourth year of insurance 45%
After five or more years of insurance 55%

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***Accident Do happen BUT NEVER Ever Loss your Temper!

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Malaysia Car Accident & Street Fight (freeway fight)

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A minor accident  turns into a messy fight with sticks and shoes in the middle of a busy freeway in Malaysia.

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2 Responses to “What You Need To Do In The Event of an Unfortunate Accident”

  1. Statistics on road deaths worrying

    Everyone should play a role in ensuring road safety is a priority, says MB

    THE number of road fatalities on Malaysian roads is high, but the number of casualties involving young and productive people is also a matter of concern.

    Negri Sembilan Mentri Besar Datuk Seri Mohamad Hasan said whenever reports on the number of road fatalities are highlighted, people usually focused on the number of people killed during a given period and not their age profile.

    “The majority of people killed on our roads annually are motorcyclists and pillion riders. These are young people and we should ask ourselves why the statistics on road casualties keep going up despite the many campaigns held by the government,” he said at the launch of the “Road Safety Walk” at the Seremban Municipal Council field recently.
    All together now: Ong (in batik shirt) flanked by Mohamad and Suret Singh posing with participants at the launch of the ‘Road Safety Walk’ campaign at the Seremban Municipal Council padang recently.

    He said a recent ministerial conference on road safety held in Moscow last November also placed road crashes as the leading cause of death for children and young people aged five to 29 years.

    It was also revealed at the conference that road crashes killed more than 1.2 million people and injure or disable as many as 50 million a year.

    Mohamad said although several organisations had taken the initiative to assist the authorities to reduce road accidents, the results were not encouraging.

    “We have organisations which take the trouble to go to rural and suburban areas to give away free helmets in the thousands. But people still have this cavalier attitude and give little heed to road safety,” he said.

    Mohamad said the young should be educated on the need to adhere to all traffic rules and not to treat the road as a race track.

    “That is why we encourage the setting up of Road Safety Clubs in schools. We need to inculcate good habits in the minds of the young so that they would grow up knowing why it is important to buckle up in the car, not to exceed the speed limit and to stop when the traffic light is red,” he said, adding that 60 such clubs have been set up in schools in the state.

    Mohamad said parents should also play a role to educate their children on such matters.

    Citing an example, he said parents should buckle up while travelling and insist that their children did likewise.

    “If we have the tidak apa (lackadaisical) attitude, then our kids will inherit this from us. We as parents muct show a good example,” he said.

    Mohamad said parents should also ensure that their children wore their helmets even if they were travelling a short distance.

    “Many may not realise it but people have been killed after falling from slow moving motorcyles. If we take the trouble to educate our children, we will be helping to save lives,” he said.

    Transport Minister Datuk Seri Ong Tee Keat who was also present said 6,745 people died on the roads last year as against 6,527 in 2008.

    This was despite the number of road accidents falling from 25,747 cases in 2008 to 24,672 last year.

    “It is also said that every six of 10 casualties last year involved motorcyclists and their pillon riders,” he said.

    Ong also advised motorists to be alert when on the road as accidents could happen in a split second.

    fr:thestar.com.my/metro/story.asp?file=/2010/2/11/central/5653632&sec=central

  2. Act on errant motorists

    THE Chinese New Year has come and gone. However, to some 155 families, the festival has brought them pain and sorrow as a result of the loss of their kin in road accidents during Ops Sikap XXI as reported in “19 killed on 10th day of Ops Sikap” (The Star, Feb 18).

    The contributing factor was rightly revealed in the cover story the next day, “Reckless lot” which reported the blatant flouting of traffic rules by motorists whose lawless behaviour even shocked the JPJ chief Datuk Solah Mat Hassan who was travelling from Kota Baru to Kuala Lumpur. As a dedicated civil servant, he did not forget his duty and issued summons to motorists who breached the law.

    Now that he has seen with his own eyes how the motorists behave once they are behind the wheel, it is time for him to take the necessary measures to curb this pheno­mena and reduce the road accidents which not only inflict suffering on the victims and their families but also the country’s economy as a result of the loss of human resources.

    One way to reduce road accidents is for the JPJ chief to delegate more resources to look into the causes of the mishaps that occur mostly on municipal roads, federal roads and state roads which accounted for 85% of the fatalities.

    After identifying the problems, steps should be taken to rectify them immediately.

    We should rope in major telco companies such as DIGI, Maxis and Axiata. They can play the social role by sending out road safety messages to their mobile phone users before a major festivity, thereby imparting the knowledge about the importance of obeying traffic rules in reducing road mishaps.

    The messages should be written in three major languages so as to reach everyone.

    Perhaps, the most-effective way to overcome the continued flouting of traffic rules is to allow law-abiding motorists to snap those flouting the laws and e-mail them to the JPJ’s website, aduan@jpj.gov.my.

    The offenders will find it difficult to bend the rules once their wrongdoings are relayed to the relevant authorities, thus bypassing the traffic police who at times can be soft-hearted and forgiving.

    Based on such proof, the JPJ can then crack the whip and issue the summons to them. An incentive of RM50 can be considered as a reward to the sender. After all, JPJ can still recoup a profit of RM250 from each summon of RM300. It is a win-win situation for both parties.

    The relevant authorities such as the Transport Ministry, the JPJ and NGOs should think out of the box to come up with effective measures to inculcate road courtesy.

    TING LIAN LEE,

    Johor Baru.

    fr:thestar.com.my/news/story.asp?file=/2010/3/5/focus/5796929&sec=focus

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