Tuntutan insuran pihak ketiga - pentingnya mengambil tahu hak anda

Mum and paralysed son cheated of insurance payout
21 January 2010, By The Star
JOHOR BARU: A mother, whose nine-year-old son was paralysed from the waist down in a road accident in 1992 was awarded RM250,000 in insurance damage by a court. But her lawyer gave her only RM40,000 and allegedly kept the rest. Police are now looking for the lawyer. The female lawyer is said to have paid her client only a part of the insurance payout about 18 years ago. It is learnt that a police report was only lodged recently after the woman discovered that the lawyer, who had kept more than RM120,000 purportedly to file for an appeal, had not done anything. Sources said the lawyer had told the mother that she had placed about RM17,000 in Amanah Raya so the boy could only withdraw the money when he reached the age of 21. However, the mother got a shock when, after her son turned 21, the public trustee informed her that no such deposit was ever made. She then lodged a police report and a complaint with the Bar Council. It is learnt that out of the total insurance payout, the woman only received 16% while the rest had been kept by the lawyer, claiming that it was for legal fees, the Amanah Raya deposit and costs to file for an appeal. Police investigations showed that the lawyer has since disappeared and that the firm closed down several years ago. When contacted, Johor Baru South OCPD Asst Comm Zainuddin Yaacob confirmed the case and said investigations were being carried out under Section 409 of the Penal Code for CBT. If convicted, the lawyer faces a jail term of between two and 20 years, whipping and a fine. “We are looking for this lawyer to assist in our investigations, he said, appealing to those with information to contact the police hotline at 07-221 2999. 
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Sebagai pihak yang membuat tuntutan, kita tidak boleh terlalu mempercayai peguam yang lantik.Mereka pandai dalam urusan mahkamah dan selok belok tuntutan insuran pihak ketiga berbanding kita.Peluang ini diguna sepenuhnya untuk menipu duit tuntutan yang diperolehi disamping mendapat upah guaman yang mereka perolehi..mereka cukup pandai meng-auta-kan keadaan dan ketidaktelitian pihak kita dalam sesuatu urusan tuntutan insuran..perlu tanya pendapat ramai orang supaya kita sekurang-kurangnya dapat maklumat serba-sedikit..

Child Education Takaful/Insurance Plan

Child Education Takaful / Insurance Plan (CET/IP) provides you with protection and long-term savings to finance the higher education expenses of your child. The plan will provide your child with financial benefits if you suffer any set back covered under the plan. The plan also gives your child long-term savings (or education fund),that your child can use to continue his/her studies.

Participating in a CET/IP also makes you eligible for personal tax relief of up to a maximum of RM3,000 per year for the combination of both medical and education plans. A family takaful/insurance rider or an extension of basic coverage for both you and your child is also available. The rider provides coverage against personal accident and disability, hospitalisation benefits, funeral expenses and critical illnesses

Ordinary Child Education Takaful/Insurance

You and your child will receive financial benefits arising from death or permanent disability, as well as long-term savings (education fund), and investment profits that are distributed upon claim, maturity or early surrender.

Investment-linked child education takaful/insurance

A portion of your contribution is used to buy investment units, such as units in equity or fixed income securities. In addition to the ordinary takaful protection, which covers death and permanent disability, the investment units will be sold upon claim, maturity or early surrender

Apabila tangisan didengari barulah kertas ini berharga

 Pada hari ini, rumah Encik Chot telah di datangi dengan 2 orang salesman..dua-dua hebat bergaya dengan membawa 2 produk yang sama hebat dengan gaya diorang..

Encik Chot menjemput 2 orang salesman itu masuk, dan setelah duduk di sofa yang baru dibeli di Court Mammoth dengan bayaran hutang tiap2 bulan RM 30 (Harga sofa RM 1200)..

Lalu Encik Chot mempersilakan salesman pertama present kan produk dia..

Salesman pertama :
"Dengan produk kesihatan kami ini, Encik boleh menjadi sihat sentiasa..kencing manis jadi tak manis, darah tinggi menurun dalam 3 hari, jantung yang lemah boleh jadi normal..Hanya dengan sesudu dari produk ini, Encik akan sentiasa bertenaga, cergas dan sihat.."

Encik Chot :
"Dengan makan produk awak, perlu ke bersenam untuk jadi sihat dan cergas?"

Salesman pertama :
"Err..tak perlu bersenam sebab produk ni memang bagus..lagi satu, Encik boleh makan apa saja sebab produk ini boleh memotong segala jenis penyakit..dengan harga serendah RM 180 sebotol.."

Encik Chot :
"Mmm..ok.. saya beli sebotol..saya akan amalkan makan produk awak setiap bulan.."

Lalu salesman pertama balik dgn senang hati, Encik Chot mempersilakan salesman kedua present kan produk dia..

Salesman kedua :
"Dengan hanya RM 180 sebulan, produk ini boleh membantu melindungi kesejahteraan dan memberikan kesenangan kepada keluarga Encik di ketika sesuatu kemalangan yang tak terjangka berlaku..Produk ini akan berguna bila masa Encik sakit atau meninggal dunia.Dengan produk ini juga lah, Encik boleh membeli produk kesihatan sahabat saya itu semasa tengah sakit jika perlu"...


Encik Chot :
"Apa lah faedahnya kertas yang penuh dengan nombor dan tulisan ni...saya nak baca pun tak faham..Dah la tiap2 bulan kena bayar."

Salesman dua :
"Encik sayang tak dekat family Encik?Bagaimana persekolahan anak bila Encik sudah sakit atau meninggal dunia?Perlukah isteri Encik berkerja untuk menampung kos perubatan Encik?Bagaimana Encik nak membayar perabot ini bila dah lumpuh atau sakit kritikal?Bagaimana nak beli produk tadi jika duit simpanan dah susut?.."

Encik Chot :
"Mmm..ok lah..saya ambik produk ini untuk tidak mahu susahkan keluarga saya"

2 tahun kemudian, Encik Chot disahkan kena penyakit buah pinggang kronik..Dia dilawati oleh 2 salesman berkenaan

Salesman pertama :
"Bagaimana dengan amalan produk kesihatan saya tu Encik?Adakah ia masih membantu?"

Encik Chot :
"Membantu macamana?Kos rawatan buah pinggang ni pun RM 36000 setahun.belum masuk belanja pengangkutan...inikan pula nak beli tiap bulan sebotol RM 180.."

Salesman kedua :
"Encik Chot..saya datang dengan membawa cek berjumlah RM 50,000 untuk belanja kos rawatan buah pinggang..nanti dah meninggal , cek manfaat kematian berjumlah RM 150000 akan di beri kepada keluarga Encik.."

Encik Chot :
"Ini lah..dah menangis baru berguna kertas yang penuh dengan nombor dan kontrak -kontrak"