How To Make A Car Insurance Claim In An Accident

Auto insurance is compulsory in Malaysia, ensuring that you are protected in case anything happens to your vehicle. However, how to make a claim isn’t really a process you’re going to go through on a regular basis – meaning you might not know how to go about it.

There are different types of auto insurance claims, depending on what happened to your car. We break down what you need to do in each of these situations.

Accident claims

There are two types of insurance claims that you could make in the event of a car accident. Depending on the nature of the accident, the claims in question are either:

  • Claim for damages – when you file a claim for damages against your own insurance policy. The downside is that you may lose your No Claims Discount (NCD).
  • Third Party Claim – when you make a claim against a third party (usually the other person involved in the accident).

Step by step guide to making an accident insurance claim

  1. Immediately after the accident, do a quick assessment of the damage to your vehicle. Check if it is fit for the road. If not, call your helpline and ask for help getting a tow truck.
  2. Take pictures of the crash site as well as the vehicles involved in the crash.
  3. Note the details of the vehicles (registration number, car make and model, color) involved in the accident.
  4. Exchange personal information with the drivers involved in the accident (full name, MyKad number, driver’s license number, contact details).
  5. Go to the police station within 24 hours from the time of the accident. Take note that your tow truck operator (if you have enlisted one) should tow your car to the police station and not directly to the workshop.
  6. Make a police report at the police station. Your vehicle will be inspected and photographed by the police. Make sure you have a copy of the police report before you go.
  7. Now drive or have your car towed to a panel shop.
  8. During the workshop, work with administrative staff to complete your notification / complaint procedures with the insurance company. Typically, you will need these documents:
    1. A copy of the police report
    2. Your vehicle registration card
    3. Your insurance policy / cover note
    4. A copy of MyKad and the driver’s license of the vehicle owner
    5. A copy of MyKad and the driver’s license of the driver involved in the accident
  9. You can then authorize the staff in charge of your file to take over. But be sure to monitor closely over the next few weeks until the claim is made and the vehicle is back in your hands safely.

Make a claim for a stolen car

In the event that your car goes missing, you will first need to verify that it is indeed stolen and that it was not towed without your knowledge. If it was indeed stolen, you will need to:

  1. Go to the nearest police station and report it. You will need to provide details of the vehicle, as well as any valuables that may be in the car at the time of the theft.
  2. Contact your insurer and let them know what happened. You will need to bring the following documents with your claim.
    1. Original copy of the police report
    2. Copy of driver’s NRIC
    3. Copy of driver’s license
    4. Vehicle registration card
    5. Copy of the hire purchase agreement
  3. Complete the claim form provided by the insurer.
  4. When submitting a theft claim form, you should continue to liaise closely with your insurance company or their representative during the police investigation.

As the police and insurer can take a long time to investigate your claim, you may only receive the offer to settle from your insurance company six months from the theft notification, or the end of the police investigation, whichever comes first. earlier.

There are two things that can happen if your car is picked up after making an insurance claim:

1. If this happens before you receive your payment, the compensation will be canceled and you will get your car back.
2. If this happens after you have received your payment, the car is now owned by the insurance company and you do not collect it.

No matter what type of claim you have to make, having full auto insurance coverage (instead of the cheaper liability insurance coverage) really helps. With a comprehensive auto insurance policy, you get everything from towing service, roadside assistance, to more inclusive damage coverage, saving you a huge headache in the event of an accident.

Remember, even full coverage doesn’t compensate you for all types of damage. So it pays to constantly review your auto insurance policy and make sure you get what you need out of it.

Are you looking for the best auto insurance? Visit our new car insurance comparison site and find the best deal with iMoney.

This article was first published in 2012 and has been updated for freshness, accuracy and completeness.

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