Cases where motorists are forced to claim from their own insurance in the event of a vehicle accident instead of the cover from a liable party are becoming more regular, and the Federation of Malaysian Consumers Associations (FOMCA) says the matter is something authorities need to address.
Its CEO, Saravanan Thambirajah, said that in the event of an accident, both parties needed to lodge a police report. “This will enable the victim to claim from the offender’s insurance, in the event the offender does not want to pay for the damage. Unfortunately, some offenders do not lodge reports, making it difficult for victims to claim on insurance,” he said in a statement.
Under these circumstances, many have had to claim from their own insurance, paying the penalty for someone else’s actions. “In this event, the victims will lose their no-claim bonus (NCB), which is unfair. Why do victims have to go through this agony because of mistakes made by others?”
Saravanan also said there were many cases where motorists drove around without valid vehicle insurance, and were not penalised for it in the event of an accident. He said that such offenders would get off scot-free, without any action taken against them, eventually being able to renew their vehicle insurance without issue.
He said that measures need to be taken to curb the long-standing issue, and urged authorities to address the matter. “Offenders need to be punished and victims need to be protected by providing them insurance coverage without losing their NCB.”
“Bank Negara, as the regulator of insurance, should work with the General Insurance Association of Malaysia (PIAM), police and the road transport department (JPJ) to form a task force to eradicate this menace,” he explained.
How should corrective measures be implemented, and what action should be taken? Share your thoughts with us in the comments section.
Looking to sell your car? Sell it with Carro.
AI-generated Summary ✨
Comments highlight frustration over unfairness in car insurance claims involving motorcyclists, especially when their insurance coverage is insufficient to cover damages. Many express that police delays and lack of enforcement exacerbate the problem, leading car owners to suffer losses and lose their NCB. Several suggest that motorcyclists should pay higher premiums or be more strictly regulated, and emphasize the need for stronger law enforcement and civil proceedings to ensure accountability. Some mention potential solutions like installing dashcams, claims with reputable insurers, and advocating for policy changes to better protect car owners. Overall, there is a strong sentiment that current system deficiencies favor motorcyclists and that reforms are urgently needed to ensure fairness and accountability on the roads.