24 Mar 2016
Getting into an accident with a Malaysian registered vehicle can be a nightmare. The difference in the protocols and processes often leave Singaporean drivers (and even insurers) in the deep end as it can become a long-drawn process. Trust us, we've been there! That's why we're helping you out with these 4 steps.
Never Admit Liability
It is only normal to feel nervous, confused and even traumatised in an accident. During the chaos, you may also end up saying things you shouldn't be saying like apologising or worse, admitting liability. These could jeopardise your claim efforts later on. Never admit liability without giving a chance for the investigations to reveal the cause.
Whether there are injuries or not, call the Police immediately when you are involved in an accident with a foreign-registered vehicle. Do not move your vehicle until the Police arrive.
Getting hold of these information will also help with the investigations (download our checklist!)
The most important evidence is actually the road tax disc!
Once you've gathered all the information available, you will need to lodge two reports.
Claim Own Damage
Make a claim if you bought a comprehensive motor insurance policy. Yes, it may affect your No-Claim Discount (NCD) and your premiums but it is better than paying out of your own pocket for the repairs and waiting at least 1 year for any settlement.
Malaysian insurers can be particular about full documentation which is why it is better to let your insurer handle the paperwork.
For more information on claiming against a foreign motorist, you can visit General Insurance Association (GIA) website.