Charging an Underage Driver With No Driving License 1 Month After Accident
Hi, A month ago, an underage driver with no valid driving license hit my car and caused an accident. I was able to get his IC number and details and went to the police station to report the accident. But, in the report, I have not mentioned this underage driver that was at fault. I also claimed my own insurance for the repairs. This is because the driver promised to compensate my loss after the repairs. But, he did not live up the promise, and after many attempts trying to contact him and his family, I was not able to get my compensation. Therefore, I have decided to take action against this underage driver. But, the accident was a month ago, will it still be valid to file a report to the police now, and charge this underage driver? ] My current insurance company is RHB Bank. Thanks.
Your question is a bit late, because your options are limited. But will give our best. You cannot get compensated for your repair, because you already got it paid by your insurance company. The best action would have been to ask your insurance agent right after the accident.
When you claimed against your own insurance company, what did the insurance company categorize your claim under. It would be important to know as above agent asked. OD stands for Own Damage. This means you file a claim as if it is your fault and you lose your Non-Claims Discount (NCD) during renewal. KFK stands for Knock for Knock. If your claim was under KFK, you have the chance that you still keep your NCD, because you do not say it is your fault. Each insurance company handles it differently.
You could have claimed for repair directly from the other parties insurance company. However, since your car is already repaired by your own insurance company, you are not able to do so. You could pursuit the other party directly in a lawsuit for the lost NCD. But you might want to consider the legal cost vs. the benefit of your NCD.
You can try negotiate with the other party to get your NCD back by mentioning that you will go to court otherwise. This might help to get justice, because you are not at fault. Check out this post recently, where it was successful. https://forum.ibanding.com/car-motorcycle-insurance/3-way-accident-claim/
I hope it helps. We wish you good luck.
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