I've always avoiding calling insurance company, until I saw this..

Sorry for the shittie title, just can't think of a better one..
Ok, this is what I saw people sharing on FB today, it's quite useful and thus I decided to translate and share it.

Many people don't know that other than compensation for car accidence, our car insurance actually covered quite a lot of services. And most importantly,

THESE SERVICES WON'T AFFECT YOUR NCD!!!
THESE SERVICES WON'T AFFECT YOUR NCD!!!
THESE SERVICES WON'T AFFECT YOUR NCD!!!

I must repeat three times and highlight it as this is too f'ing important.
(BTW, NCB stands for No Claim Discount.The discount will be withdraw in situation where you're involved in an accident and you need the insurance to cover the compensation/pay for the repair.)

Some of the terms and condition might be different, depending on the company you're insured, but basically when you're facing with the situations below, CALL YOUR INSURANS COMPANY HOTLINE!!! You've paid for these services when you've paid your car insurance.

1. Your car broke down in the middle of the road!
CALL YOUR INSURANS COMPANY HOTLINE!!! They will call tow-car listed under their company to tow your car to trustable service centre. The point is, you are less probable to get slaughter by these tow-cars as compared to those capalang tow-car 'hunting' on the road for any broke-down car. And of course, these registered tow-cars are safer as the dispatch will be recorded.

Some companies will even follow up the service by asking you to rate the service provider. Those with low ratings will be terminated and thus only those qualified will remain.

2. You can't start your car!
These companies have their own 24-7 mechanics. Upon your call, they will come with car battery and check whether its the problem with your car battery or not.
If your battery is indeed exhausted, they will replace it for you with minimal charge.
If you have other thinking (wanted to go to your own car mechanic), they will help you to jump-start your car.

3. No PETROL??!!!!
They will dispatch 'delivery boy' for your car.
Of course you have to pay for the petrol larr!

4. Tyre pancit???? Dafuq!!!
No worries. No matter that you don't know how to change a tyre, you're too weak to change a tyre, OR you're too lazy to change a tyre, call them, and they will come and change for you!


So?
What are you waiting for?
Go and look for your car insurance company's hotline and write it on a piece on paper!
Put that paper into your car so that you can call them anytime!
And some kind reminder:
If such unlucky thing really happened, stay calm, call them and wait for them in your car (or a safe place)! You don't wanna get rob by standing out of your car like a noob don't you?
The company will normally inform you of any charges on these services. Make sure you ask if they didn't tell you so.

And to repeat one more time,
THESE SERVICES WON'T AFFECT YOUR NCD!!!
THESE SERVICES WON'T AFFECT YOUR NCD!!!
THESE SERVICES WON'T AFFECT YOUR NCD!!!

So remember to use the f'ing services you have already paid for.

The post is a translation of a post I saw on FB, with a little bit of edit here and that.
Credit to the original author: Wong Chih Khuan.