Originally Published on Carsick.my. Read the full article here.

 

Being in a traffic accident is a very headache situation to be in. According to the Department of Statistic, Malaysia is one of the top 3 country that has the highest fatality rates in Asia, while the road accidents is the 4th most common cause of death in Malaysia.

Most of the accidents that happened on Malaysian roads are usually freak accidents, which is hard for any motorist to avoid. However, car owners can always opt to take preventive steps, on top of being more cautious on the road and getting a good insurance plan that has a hassle-free claims process.

Let’s take a look at a few common causes of road accidents:

1. Speed Kills

Speeding is one of the most common causes of road accidents. The higher the speed and thrill, the more severe the accident is going to be. There is no telling if the road will be wet up ahead, if there are potholes, or other pedestrians and motorists. This is made worse when rear passengers are not properly buckled in.

2. Gadgets Away

Using a mobile phone when driving is as bad as driving under the influence of drugs or alcohol. Looking down at your mobile phone will distract a driver for an average of 4 seconds. This amount of time is sufficient to cause an unwanted accident. It is more important to get to the destination safely and on time than checking a message or social media.

3. Red Means Stop

We see these almost every day, especially among motorcyclist. Drivers and motorist needs to keep in mind that when When the light turns amber, it means slow down, but a majority of drivers accelerate instead. This is highly dangerous because there may be blind spots for vehicles coming from the other direction or worse, motorcyclists beating the red light from another corner.

4. Signalling Saves Lives

All type of vehicles are fitted with functioning indicator, it is to inform other road users about the direction of the driver is heading. It is the most basic and yet crucial form of communication on the road between motorists. Switching lanes or making a sharp turn without signalling first will result in accidents.

5. Poorly Maintained Car

Maintaining your car is part of your ownership experience, and it must not be skipped. If a car is not properly maintain, it may cause accidents during emergency situation. For example, balding tyres, broken turn signals, low brake fluid and exhausted brake pads could put you and everyone around you in danger. Driving blindly without thinking of timely maintenance is hazardous.

However sometimes, no matter how careful one is, accidents may still happen. Hence, an insurance plan with an excellent claims process is crucial because what policy holders ultimately want is speedy and hassle-free cash settlement within 24 hours. With Liberty Insurance’s Private Car EZY Plus Comprehensive policy, owners need worry no more as it not only provides a holistic coverage, but offers an efficient claims process too with its Liberty Own Damage (OD) Express Claim. This claim allows the insured to make claims via any smart phone without having to visit the branch and no submission of physical documents are required.

Having served Malaysians with its trustworthy brand and insurance coverage for 44 years, Liberty Insurance provides insurance solutions from all-inclusive personal accident and motor policies to legal and business policies that covers legal consultancy services and safeguard financial investments.

To find out more about Liberty Insurance’s Private Car EZY Plus Comprehensive, visit  https://www.libertyinsurance.com.my/motor-insurance/private-car/ezy-plus.

Read more

• Auto News Asia - Making Your Insurance Claim Free Of Hassle With Liberty Insurance
• Auto International - Making Your Insurance Claim Free Of Hassle With Liberty Insurance
• Driving Motion - Making Your Insurance Claim Free Of Hassle With Liberty Insurance
• Rama Rama - Making Your Insurance Claim Free Of Hassle With Liberty Insurance

Pubished on New Straits Times. Read the original article here.

MOTORCYCLES, being one of the most convenient ways to travel, have always been a key part of the local transportation scene.

With inescapable traffic congestions and small city roads, it is a no brainer why many opt for a motorcycle even if they do already own a car.

Like any other vehicle, a motorcycle is also susceptible to wear and tear, theft, breakdowns and accidents.

A motorcyclist also tends to be at a higher risk on the road compared to a motorist because there are no doors or any external shell to offer protection.

This is why being sufficiently and properly insured is one of the best ways motorcyclists can safeguard and mitigate those risks. With that in mind, here are some of the important tips on how motorcycle insurance works.

 

1) CHEAPER IS NOT ALWAYS BETTER:

Owners may believe that the cheapest option is always the best for their pockets financially but in reality, it may mean being underinsured.

This means that getting a full claim will not be possible. Similar to car insurance, the owner would be penalised and the claim amount will be deducted proportional to the underinsured value based on the plan.

 

2) KNOW THE SCOPE OF COVERAGE:

Unlike cars, motorcycle coverage is less complicated. Coverage for cars can extend to hardware like side mirrors, windscreen and child seats, etc.

What is similar for both cars and motorcycles, however, generally involves loss or damage due to fire, theft or accident, third-party bodily injury or death and third-party property loss or damage.

 

3) ADD-ONS ARE NECESSARY:

The common knee-jerk reaction to add-ons, which requires additional payment, is a strong 'No'.

However, they may just be the missing link to ensure owners are holistically protected in addition to the existing coverage plan.

For motorcycle owners, adding extra protection for passengers, for instance, is crucial to ensure coverage for the loved ones. An add-on for flood coverage is also an important one, especially if living in a flood-prone area.

 

4) BEYOND THE NORMAL COVERAGE:

With motorcyclists being at risk every time they are on the road, getting a Personal Accident (PA) plan may not be such a bad idea. It provides the rider compensation in the event of injuries, disability or death, which is caused solely by accidents.

This will also help grieving family members or the rider to get a peace of mind from any financial worries in the event of an unforeseen accident. It also covers funeral expenses and total paralysis.

Getting a PA in addition to existing insurance plans is definitely something to think about.

To ensure sufficient coverage, it is important to equip yourself with knowledge of the various plans offered by the insurer.

Other than that, staying safe on the road can be as simple as not running the red light, ensuring all lights on the motorcycle are working and, where possible, riding on the designated motorcycle lanes.

 

Read more

• Carsick.my - 4 Basic Motorcycle Insurance Coverage Knowledge
• MSN - Liberty Insurance: Four things motorcyclists must know
• Auto International - 4 things every motorcyclist must know
• Wapcar - Ada insuran motosikal pasti 'selamat'? Ini 5 perkara yang anda perlu tahu! 
• Roadstar - 4 Perkara perlu diketahui oleh setiap penunggang motosikal
• Auto News Asia – 4 Things Motorcyclists Should Know

Insurance solutions provider awarded Claims Initiative of the Year Award following implementation of pioneering virtual appraisal tool.

Liberty Insurance has once again lived up to its reputation of placing customer experience at the centre of its priorities. The company has been awarded the Claims Initiative of the Year Award at the recent Insurance Asia Awards 2021.

Having served Malaysia for over four decades, Liberty truly proved itself worthy of the award when it introduced the first fully integrated virtual appraisal tool to its customers.

Watch the video, and read the press links below.

Read more about Liberty Insurance's Claims Initiative of the Year Award in these publications:

• Insurance Asia - Get to know the winners of the 6th Insurance Asia Awards
• Insurance Asia - Liberty Insurance wows at Insurance Asia Awards 2021
• Business Today - Liberty’s Integrated Virtual Appraisal Tool A Winner 
• Rama Rama - Liberty Insurance Wows at Insurance Asia Awards 2021 
• The Malaysia News - Liberty's Integrated Virtual Appraisal Tool a Winner 
• Malaysian Business Online - Liberty Insurance Wows at Insurance Asia Awards 2021
   

Memiliki kenderaan berusia lebih daripada lima tahun ada kalanya mampu merungsingkan para pemilik disebabkan masalah alat ganti tulen yang sukar didapati, selain terpaksa bergantung harap kepada alat ganti terpakai, sekiranya ada.

Jadi, apabila sesebuah kenderaan itu terlibat dalam kemalangan dan memerlukan pembaikan, kos penambahbaikan (betterment cost) kebiasaannya akan dikenakan terhadap pemilik polisi insurans.

Berdasarkan kepada panduan Persatuan Insurans Am Malaysia (PIAM), kos penambahbaikan ini bertujuan untuk meletakkan pemilik di dalam kondisi kewangan yang sama seperti sebelum kemalangan berlaku.

Dalam sesetengah keadaan, kos penambahbaikan ini adalah digalakkan sekiranya penggantian yang dilakukan itu mampu meningkatkan kadar nilai jual balik sesebuah kenderaan.

Pemilik polisi juga berhak mendapat pilihan untuk menggantikan komponen yang terjejas dengan alat ganti terpakai sekiranya mereka tidak mahu membayar caj tambahan yang disebutkan itu tadi.

Namun, dengan penggunaan alat ganti serba baharu dilihat bakal mengembalikan semula keadaan kenderaan kepada kondisi asal sebelum kemalangan, selain bertindak sebagai lapisan perlindungan tambahan serta keselamatan kepada pemilik....

Read the Full Article here.

Download PDF here.