How to claim impact damaged by another car or your vehicle

How to claim impact damaged by another car or your vehicle. A  plunging palm oil truck tanker crashed into the front portion of the house, causing severe impact damage to the hall, situated beside the main road. Who to claim for impact damage? Nowadays, commonly seeing your home crashed by road vehicle, it highlighted in the daily newspaper.

Claim impact damaged by another car or your vehicle

Impact Damage is defined as, loss of or visible physical damage to a home, with the or destruction caused to the property insured, due to impact by any Rail/ Road vehicle or animal by direct contact not belonging to or owned by

a) Insured or any occupier of the premises or

b) Employees while acting in the course of their employment.

On my way to Johor Bahru via the country road instead of NS highway, enjoying the clean and fresh air drive along the row of green oil palm plantation dotting a skeleton of Felda scheme houses along the way.

“Bang….Bang….Bang” Startling to hear a loud voice disruption, the echoed silence of the scorching sultry afternoon. The loaded tank full of palm stearin had rammed downhill into a house, carpeting the whole front hall yellowish and spilled onto the ground.

Curiously dashing out from the kitchen, a retiree couple clad into their “sarong” trying to investigate the outcome, I too dashed down to help to pull out the driver that stuck in the driver seat, suffered a minor injury with the bruise on the hand and forehead, dumbfounded and speechless. Advising the driver to lodge a police report, consequently, soon the venue gathered with people, after the brouhaha, nobody had an idea how to handle the situation.

To Whom Can We Claim Impact Damage

The main question here was as to whom we shall claim for the impact damage to the house. I had asked so many people in the seminar or even at the scene.

“Claim from the truck insurance?” All replied me such an answer, similarly, for the elder couple’s son too.

“Can you show your house fire insurance, please? I asked the son. Examined the coverage detail closely, I assisted him in calling the insurer’s adjuster to survey the hall damage to ascertain the loss of the property.

To their dismay,” why not claim the truck insurance, i.e., thirty party claim.” Yes, indeed, it is logical to file a third-party claim.

Third-party claim

The cons

• How long to wait for the thirty-party claim?
• Why enrich the lawyer’s pocket?
• Do you know when the motor adjuster will finalize the accident report?
• To what extent can we claim the emotional damage?
• It is time-consuming to attend the court hearing postponed one after another.
• Can you afford to keep on applying for unpaid leave?
• Not afraid of your house being burglarized? You prefer to wait for three months or 2 to 3 years to reconstruct your home.
• Cover the shortfall after deduction of 20% of the legal fee. If the insurer pays you $100 000 to reinstate the hall, Can you make up another $20 000.00 shortfalls to rebuild the damaged property?

Fire or Homeowner Insurance

Having a house owner or fire insurance with an extent of impact damage excluding the insured’s vehicle, you claim directly with the insurer submitting the original police report, photograph before and after damage, and of course, the plan and construction bill. If your house is adequately insured, no average will apply; you will reimburse fully.

After signing the subrogation claim letter, let the insurer deal with the faulty party rampage your house. It solves all your teething problems and subsequently saves a hefty amount of litigation fees.