Motor Claims Guide is a comprehensive guide developed by the Malaysian insurance and
takaful industry containing key information regarding motor insurance/ takaful.
The Motor Claims Guide aims to help the public better understand the overall claims
settlement process by making transparent key information.
Just sharing an article found online source: Click Here
What is ‘small claim procedure’?
Small Claim Procedure is where an individual (not agent or company or person holding power attorney or etc) wants to claim from someone else (debt) using court procedure, i.e. suing in court of law.
The total amount of claim must not exceeding RM5,000
The claim must be made through summons in Magistrate Court
No lawyer can get involve in this small claim proceeding , everything is done by the plaintiff himself with the guidance of court (staff).
To illustrate, if B owes A RM 5,000 and B refuses to pay, A can sue B in Magistrate court under this ‘small claim’ procedure.
How to initiate this small claim procedure?
Small Claim Procedure is governed and provided under Order 54 of Subordinate Court Rules, 1980.
Go to court (registration office) and ask for Form 198 (remember it is FREE) or you can download it here, and start fill in the form (type it nicely)
Rename KUALA LUMPUR and WILAYAH PERSEKUTUAN in the header to your local court location
Prepare in 4 copies (at least, you may want to prepare more for ‘spare’)
In the form indicate clearly, the amount of claim (not exceeding RM5,000-00) and other details of your claim
Once finished, sign the form yourself
File the form in court (at the registration counters) and pay a small amount of court fee (RM20).
Once you got a seal copy from court, go and serve the form to your ‘defendant’
You may serve by yourself (by hand) or by AR registered post
So what’s next?
Once the defendant receives your claim, he may defend himself or just admit the claim
Assume that defendant defend himself and deny your claim, now the defendant should file his defend in form 199 explaining why he denies the claim
If the defendant fails to file his defence, the court may give judgement for you! On the first or next mention date (the date stated in the form for parties to attend court)
If the defendant chooses not to attend at all the proceeding, the court may also give judgement for you.
Now, say for example you got a stubborn defendant who wants to fight your case, don’t worry, because the judge will guide you and defendant through out the proceeding collecting all relevant facts and evidences.
The court then will decide and give judgement after the proceeding.
Some Important Info
Filing must be done at magistrate court within the same district / state as the defendant address. Example, if the defendant is located at Putrajaya then small claim must be filed at Putrajaya small claim court and not in any other states such as Selangor or WPKL
Wow! this smart extender comes with NO lifetime limit but is it suitable? Take the example above, at the end of the day you can only claim RM30K out of the RM90K total bill.
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23/07/2015 – Submitted a port in request to XOX to port my existing number from Tune Talk to XOX
24/07/2015 – Received an email that my port in request was rejected by Tune Talk due to my NRIC provided is incorrect
24/07/2015 – Contacted Tune Talk customer service via live chat to check on whether my NRIC and details submitted matches the record in their system. Their customer service confirmed that all details submitted matches their record and request me to email them additional information.
24/07/2015 – Emailed Tune Talk customer service additional information required and got an response saying all my details matches the records on their system and “sorry for the inconvenience caused”. In the mean time asking me to wait another 24 hour before send another port out request.
What a bad service by Tune Talk as I never have this kind problem when porting out from XOX, Maxis and UMobile before.
Received a phishing SMS today saying there was a charge made to my CIMB credit card and asking me to call a number in the SMS. Anyway the SMS turn out to be scam after I call the number at the back of my credit card to confirm. Remember to only call the number behind the credit card.
Recently received a call from telemarketer promoting PB Health Care plan. Perhaps my mandarin is bad but the insurance product she is selling is too good to be true whereby guaranteed in no change of premium until maturity (age 70).
Based on my current age of 31, the telemarketer informed that my monthly premium is as follow
Plan 2 – RM81.36 monthly
Plan 4 – RM146.28 monthly
The Plan
So I did a further check on their Website PB HealthCare but discovered from the PRODUCT DISCLOSURE SHEET that what the telemarketer said is misleading. According to the PDS only Premium of Death Benefits are guaranteed while premium for Lifestyle Disease Benefit and Daily Hospital Income Benefit is NOT guaranteed.
Telephone Conversation between me and telemarketer (Jump to 2.33 for telemarketer saying about guaranteed premium 这个ä¿è´¹ä¸ä¼šæ ¹æ®ä½ 的年龄在起价)