Unhappy with insurance company over accident claim

  • Letters
  • Saturday, 22 Jan 2005

I FEEL that I have been shortchanged by my insurance company, and have no doubt that others have had similar experiences.  

This is the second time it has happened to me. 

I had taken out a comprehensive accident insurance policy on my car for RM60,000. 

Three months ago, I was involved in a rather nasty accident (with no third party involvement) resulting in my car overturning. 

I followed the usual procedures and submitted my claims. My workshop submitted a damage assessment of RM87,000 and two other parties, including the car manufacturer, stated that the car could not be restored for the insured sum.  

The insurance company, however, offered me a sum of RM38,000 for restoration, and this after more than two months. When contacted, the insurance company was ill-informed about my case and highly unhelpful, just asking me to submit an appeal. 

What does one do in such a situation? Is there a body to which the insurance company can be reported?  




(via e-mail) 

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