ETIQA Motor Claim Insurance

My car is insured by ETIQA. This is my first experience dealing with ETIQA's claim. Previously (back on 2009), when my KIA Spectra driven by my wife got hit by a motorcycle was insured by TAKAFUL Malaysia - bad experience..!!

We can track our claim status online for ETIQA claim.

http://www.merimen.com.my/claims/index.cfm?fusebox=MTRcmt&fuseaction=dsp_claimant&ins=ETIQA

We also can view the total cost repair quaoted by repairer and approved by adjuster.

Which parts are replaced/repaired and the part's price also.

In my case, the loss is quite small visually. From my observation :

1. Replace the headlight LH  - my estimation cost about RM1,300

2. Replace side bracket LH - my estimation cost about RM200

3. Repair dented left fender

4. Paintwork front bumper + left fender - about RM400

The total cost is about RM2000 ~ RM3000 if i want to repair without insurance's claim.

Surprisingly, the repairer quoted about RM11,235 !!!!

While based on adjuster the quotation is reduced to RM6,460.26

The repairer quoted that my car need to replace the whole front bumper + front grill assembly which no need to be repaired at all!! hahahahahah..what a joke...

The workshop just want to take advantage of the claim - more money are flowing right down into their mouth..hihi.

The best part is the repairer also replace my already left side broken my sonar sensor before accident happened..hahaha

But i did not care at all as long as I do not need to pay extra which i expected earlier.

Actually, my car is under insured beyond the market value.Luckily, it is only 10% below the market value and ETIQA still willing to pay all the cost. Still, i expect to pay for the new part price (headlight) coz the insurer will indemnify us. There is a clause in insurance policy - Betterment. The claimant need to pay percentage of new part price according to the age of car. In my case, the car already 9 years, so i need to pay 40% of the part's price.But, the repairer do not ask any extra payment at all.

I suspected that the

approved total repair cost by ETIQA = actual cost repair + profit margin required by repairer + actual i need to top up

Whatever la......hopefully in future, i will never never again deal with motor insurance claim at all..AMIN..