Exchange particulars with all involved parties. Ensure you have their name, NRIC/FIN, contact details, address, and insurer.

Record the plate numbers of all involved vehicles.

Take photos of the accident scene and include all relevant details; avoid moving your car at any time.

Call your insurer’s hotline and ask for advice or a tow truck within 24 hours or by the next working day.

Report the accident within 24 hours or by the next working day.

Notification

Inform the insurance company or relevant party about the accident as soon as possible.

Documentation

Photos of the accident scene and damage, Witness statementsPolice reports (if applicable), Medical records (if injured), Repair estimates (if property damage)

Claim Form

Complete and submit a claim form or application, usually provided by the insurance company.

Supporting Documentation

Provide additional documentation to support your claim, such as: Medical records and bills, Repair invoices, Proof of ownership or value (for property damage)

Adjuster Assignment

An insurance adjuster will be assigned to review and investigate your claim.

Investigation

The adjuster will: Review evidence and documentation, Conduct interviews (if necessary), Inspect damage (if applicable)

Settlement Offer

The adjuster will present a settlement offer to cover damages or losses.

Negotiation

You can negotiate the settlement offer if you feel it’s inadequate.

Resolution

The claim is resolved when both parties agree on a settlement or benefits.

Appeal

If dissatisfied with the outcome, you can appeal the decision.