Third Party Property Damage Claims

If you need to file a third party claim with another insurer:

1. Report the accident to the police within 24 hours as required by law

2. You may opt to send your vehicle to our approved repairers for repair.

If you were involved in a car accident with an Liberty General Insurance (Kurnia/AmAssurance) customer:

1. Report the accident to the police within 24 hours as required by law.

2. Prepare all the relevant claims documents for speedy processing - please refer to the Documents Checklist section below.

3. You may choose to notify a third party claim via Liberty General's Online Claim Registration Portal.

Note: for online claims, please refer to this user guide.

Note - Read and understand the "Claims Guide For Motor Accidents" by Bank Negara Malaysia. Click on your preferred language (English | BM | Chinese).

Third Party Property Damage Claim (to other insurer)

1. Police report (original copy)
2. Police report slip (copy)
3. Updated vehicle's registration card / vehicle ownership certificate (VOC) or proof of ownership
4. Claimant's identity card (copy)
5. Claimant's driving licence (copy)
6. Insurance policy/certificate (copy)
7. Business registration (copy) - if applicable
8. Third party's police report
9. Police finding or police compound
10. Police sketch plan & keys
11. Approved repairer estimate or repair bill 
12. Adjuster's report and original photographs depicting damages
13. A signed demand letter from insured
14. Photos of the scene of the accident with the vehicle in its original position prior to being towed away (if available)

Other relevant documents which may be requested by the third party insurer.

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Third Party Property Damage Claim (against Kurnia/AmAssurance customer)

The documents listed below are requested without prejudice basis.

You will need to provide documents that are relevant to your claim. Further documents may be requested during claim processing.

1. Signed demand letter with a detailed breakdown of claims
2. Warrant to act (if appointing a solicitor to act on behalf)
3. Copy of claimant's motor policy schedule
4. Updated vehicle's registration card / vehicle ownership certificate (VOC)
5. Copy of claimant's/driver's identity card
6. Copy of claimant's/driver's driving licence valid at the material time of the accident
7. Original/Certified true copy of insured's police report
8. Original/Certified true copy of third party's police report
9. Original/Certified true copy of other party's police reports (If more than 2 vehicles were involved in the accident)
10. Original/Certified true copy of police sketch plan & keys
11. Original/Certified true copy of police investigation outcome
12. Original police photographs
13. Original adjuster report and photographs
14. Original adjuster fees invoice/receipt
15. Approved repairer estimate or bill
16. Original photographs taken at the scene of accident, if any
17. Vehicle dashcam footage, if any
18. Original car rental agreement (for uninsured losses claim)
19. Original car rental receipt (for uninsured losses claim)
20. Original receipt for payment of excess / under-insurance / police documents/ JPJ search (for uninsured losses claim)
21. Vehicle permit (for commercial vehicles)
22. Goods driving licence (GDL) or public services licence (PSV) - for commercial vehicles
23. Proof of ownership of the property (for property damage claim)
24. Original quotation/bill from contractor (for property damage claim)
25. Original receipt for payment of the property damages (for property damage claim)
26. Original photographs before and after repair of the property damages
27. Copy of business registration - Form A/B (for sole proprietor/partnership)
28. Copy of Form 8/9/24/49 (for Sdn Bhd / Bhd)

Third Party Property Damage Claim (to other insurer)

  

1. Should I send my vehicle for damage repair at your approved repairer if I opt for Third Party Property Damage (TPPD) claim against third party's insurer?

You may send your vehicle to your own preferred repairer but you are encouraged to approach our approved repairer.

2. What is Compensation for Assessed Repair Time (CART) claim?

CART is the new terminology for loss of use approved in accordance with Bank Negara Malaysia Guideline. You can claim for CART under TPPD claim against third party insurer for the loss of usage when your vehicle is garaged for repair. Assessed Repair Time indicates that the compensation is based on the independent loss adjuster's assessment of the time required for repairs (not the number of days that your vehicle is in the workshop).

It shall exclude any delays, howsoever and/or by whomsoever caused, which may occur before and/or after the actual repair.

3. What is the difference between CART under own policy benefit and CART against third party insurer?

Insured can enjoy CART benefit by the payment of additional premium based on cover purchased on rate per day and number of days. Such benefit is similar to TPPD-CART as it shall be payable based on the loss adjuster's assessment of the days required for actual repair but exclude any delays howsoever caused whether the claim for loss or damage to your vehicle is either lodged with us or against a third party.

In any dispute, the assessed repair time determined by us shall be final.

As for the insured's third party claim on CART, it is subject to the principle of indemnity and any sums paid under this benefit will be subtracted from the said third party claim.

4. Will my NCD entitlement drop to zero with a single claim?

If you or anybody else meets with an incident that will give rise to a claim on this policy, the NCD entitlement that you have accumulated will drop to zero at the next renewal and your NCD will start all over again. If a claim is received after the NCD has been applied, we shall be entitled to recover the NCD given to you.

Exception to this Rule:

Your NCD will not be affected even if a claim is made if:

• We are of the opinion that you are not at fault for causing the loss;
• The offending vehicle is identifiable and is not a vehicle used for carriage of passengers for hire or reward (for example taxis, hire cars, public buses, stage buses, school buses and factory buses for hire);
• The offending vehicle is insured by a Malaysian licensed insurer; and
• There is no death or personal injury claim involved.

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Third Party Property Damage Claim (against Kurnia/AmAssurance customer)

  

1. If I have a comprehensive policy, can I submit a claim on cost of repair through third party claim?

Yes. However, you are encouraged to submit your claim to your own insurance company for speedier processing. Thereafter, you can submit your third party claim for Compensation for Assessed Repair Time (CART), policy excess paid or under-insured paid.

2. How is the Compensation for Assessed Repair Time (CART) calculated?

CART is calculated based on the independent loss adjuster's assessment of the time required for repairs and not based on the number of days that your vehicle is in the workshop. A standard scale of CART per day has been specified by PIAM as follows:

Private Use Vehicles	Up to 1500cc	RM30
	Above 1500cc and up to 2000cc	RM40
	Above 2000cc	RM50
Commercial Vehicles	Up to 1 ton	RM40
	Above 1 tonne and up to 2 tonnes	RM60
	Above 2 tonnes	RM90
	Trailer Lorries	RM120
	Buses (Private)	RM90
	Other Buses (Stage/Express)	RM180
	Taxi / Hire and Drive	RM40
Motorcycles	Up to 250cc	RM10
	Above 250cc	RM15

3. Can I claim for car rental instead of CART in TPPD claim?

Yes, you may claim the cost of hiring a replacement vehicle of equivalent type and capacity for the recommended number of days of actual repair time. The car must be rented from a duly registered and licensed car rental agency. Make sure you submit the car rental agreement and receipt to substantiate the claims.