no lah, 3rd party means u bang other ppl, then insurance will
pay for u. but u still must pay the excess.
1st party means u bang ppl, they pay the repairs for both u, and
the person u bang.
also means if bike kena stolen or tio sio oso can claim.
but still must pay excess.
2nd party only if bike stolen, tio sio, or u bang other ppl then
can claim. ownself buang cannot.
so in this case ah... hmmm must claim frm the hornet liao. claim
his 3rd party. coz the rs no fault mah.
i tell u, the taxi wanna kp let him kp. knn 1 scratch nia tok so
much.
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vroom...tingtingtingtingti...vroom~
