这就是我的经历。一定要 Video 拍他 hit and run。然后发给sergeant，逼他写report，对方不报案，你也可以 claim 他。一定要叫你的 insurance 公司帮你 claim。你的 insurance 公司也要你的 video，他们才可以帮你。video、video、video！讲三次，很重要！
我的建议是像新加坡这样，警察需要找那个人通过car camera or video 然后给一个决定。不然真的没有法律了，喜欢撞车就撞然后就当作自己没错就不需要负责了，太没有法律了，难怪sgd to myr 变成 3.5 了。 因为一方报案警察就需要调查，加上又有证据更需要给一个公道，而不是Saman rm 300 自己进pocket or 咖啡钱，然后受害者像傻瓜这样报案了浪费时间而且又没有得到应有的审判。
Got roadtax and insurance also cannot claim the party who hit you. Even report to police the party only get saman . Reason the person did not report police.
Go malay Kampung Baru and check! How many kids over there have license for driving!! Motorbike and car!! Most of them don't have license to drive!!! But no problem for them u know?
Still possible to claim the insurance of party at fault, more documents/processs needed to submit your claim to his/her insurance company, such as you need own statutory declaration to confirm you are not at fault and info given to police is correct at commissioner for oaths, police outcome that confirm you are not at fault, etc. Can check with the particular Insurer what else they need.
I believe the one you talking is no-fault own damage claim, however you will still entitled to subject under an Own Damage Claim (Betterment, Excess and Endorsement. If the finding outcome is found to be caused by you, it will converted to Own Damage Claim.
Solution, dont buy sedans, more damage if you are the victim. Just buy suv, in most accidents, suv only get minor dents / minor scratches, if the other party wants to run away, let them be..
几年前我驾honda city 2014撞到一辆一样的city车尾，当时下车查了只是掉了一粒车尾退车sensing，黑色完全没有花到，我就说私下解决吧，你弄了多少钱给我知道，谈好了后晚上他买保险的代理帮他打给我说对方去报案了叫我去报，当时也有想没去有没有事呢？有朋友说没报对方也可以拿我保险做赔偿的，最后我去报案后晚上那个警察来电问我说看照片好像没什么😂，要报案咩？看来警察不大想打报告，我说本来是私下解决的，后来对方反口去报案，我也不想ncd 55%没有的，到现在换车了ncd还没上到55%，那个sensing我的车自己有换过原装250
因为 motor 可以用律师直接对车保险公司索赔，然后claim的是车的 third party injury的保险, 所以也会造成ncd loss，不过这个又是另一个故事，所以马来西亚的车险的law 很乱 。而且这种claim有专人专门在做，他们会A-Z教motor rider如何做。比如验伤什么的
