Looking for something? Hate for having pre-parcel anxiety? Do not worry with PG Mall, you can shop until drop. PG Mall is a Malaysia No.1 E-commerce platform, established since 2017. You no longer need to wait for 14days in order to receive your parcel anymore (if you buy from overseas) because PG Mall is the only Local e-commerce platform in Malaysia! How cool is that. Still not believe it? PG Mall ranked as top 3 e-commerce site at Iprice insight report. Check out this link, https://iprice.my/insights/mapofecommerce/en/

PRICE: Value! Value! value!

The heart of decision making of course the price. What is so special about this store is they having Forever cashback! This cashback from 0.5 % up to 3.5% for every purchase that they made on PG Mall that covers up three tiers of referrals. Even higher from any other store. The more you shop the more cashback you will get. PG Mall introduce shopper ranking. The amount of cashback based on the shopper’s ranking, from super shopper, premium shopper and Elite shopper. Despite of everything, PG Mall also having sales up to 15% storewide discount. Shop, Share, Earn!

Shopper will be entitled to free shipping, no more burden cost on top of product cost but this applied on selected stores only. PG Mall collaborating with a lot well known store such as Tefal, Singer, Nestle and many more. All the participating stores will be update monthly. Special highlight on weekend with great discount! Want to know more? follow this link https://pgmall.my/wow-store?1=

If you can save, why need to spend more.  Yes! Save more with “Hot Day Sales” Do not miss your chance to get lowest price every day from 10am,4pm and 9pm. Set your alarm. Up to 80% OFF daily, from RM 0.39 only!!

Love you 3,000 is one of the campaigns that run by PG Mall with the simple rule. Make any purchase to join with minimum purchase is RM30 and above will be entitled to join Love you 3,000 campaign with prize worth RM3,000 in total.

* Winners list announcment on15th and 30th of every month

* the more you spend, the higher chances for you to win

Shop now!

https://pgmall.my/?Souce=Blogger&BloggerID=324

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What is meant to happen, will happen. If you involved in a car accident, here are the steps you need to take to deal with it.

This is important. You have to take details of other vehicles and persons involved in the accident. This includes:

• Car registration number.
• Car model, model year and colour.
• Driver’s Name, Address and Phone number.
• Driver’s IC and Driving Licence number.
•  Take pictures of the damage, and other details, like name of the road, time of the accident happens
  
• Witnesses’ Name, Address and Phone number.

  

     4. Go to police station together

This to avoid other party cheat on you. If possible go to nearest traffic police station. You have to make report within 24 hours after the accident happen. You will need to fill in form and wait for police officer to investigate your case and police will give summons to the guilty side and you have to pay it within 1 month.

    5. Call your insurance company

All insurance company will provide you with hotline number, they even can towing your car to the nearest police station. In my case i need to physically go to their company to submit all the documents that they asked in order to claim my insurance.  All the towing cost will be cover by my insurance.

You will need:

• Police report
• Photocopy IC and driving licence
• Insurance Cover Note
• Picture of the accident(send by email)

    6. Have to follow up

You have to be firm to deal with them and keep following them about your case. It could take you a month to 5 months. Always have to call them, email them until they response to your inquires.

What happens now?

Once you’ve made the police report and submitted all the relevant documents to your insurance provider, a loss adjuster will be sent to evaluate the damages done to your car and conclude the amount of which you’re able to claim from them. Bear in mind that claiming from your insurance will also result in losing your no-claim bonus that you’ve accumulated, which means that you’ll have to start paying a higher insurance premium the following years. (credit to ringgit plus)

*Total Loss*

If your car's status Total loss mean it is beyond repair and you have to pay the balance of the loan lump sum after your car insurance pay their part. Let's say the market price for your current car is 28K but the insurance company cover only 25K which means you have to pay extra 3K in order to clear out your name from the loan.

The most important thing is keep calm and always consult with your insurance provider to know exactly your rights and coverage are when you stuck in these kind of situations. Like my case they offer to do everything but i have to pay 5K to them. Crazy! Hell no I won't pay that to them. You have to alert all the time and be smart okay guys. May God bless all of us.