Accident Claim Insurance

Road accidents can happen for a variety of reasons, including skidding, entering the opposing lane, negligence, following vehicles too closely, and so on. As a result, it is critical that every car has insurance so that the cost of repairs is covered by the insurance you bought.

Although filing an insurance claim in Malaysia can be tough, it is doable with the right information and preparation. You can normally file two types of claims: your own damage and third-party injuries. We’ll go over how to claim car insurance for your vehicle here, and perhaps we hope it’ll be useful.

Types of Accident Claims

In the event of a car accident, you have two options for filing an insurance claim. The claims involved, depending on the nature of the accident, are either:

• Own damage claim: A claim made against your own insurance policy. The disadvantage is that you can lose your no-claim discount (NCD).
• Third-party claim: A claim made against a third party (often the other person involved in the accident).

Own damage claim

If your car was involved in an accident and you happen to have comprehensive car insurance, you are able to file a claim under “Own Damage Claim” or “No-Fault Damage Claim.” In this manner, the accident will appear to be someone else’s fault.

Do not forget that only comprehensive car insurance provides you with the benefit of filing a claim for your car. You are not able to do so if your sole car insurance coverage is third-party.

However, there is a chance that you will forfeit your right to the No Claim Discount (NCD) if you file an own-damage claim. The percentage of the NCD will reset to 0% when you use your NCD entitlement.

Guidelines for Car Insurance Claim Procedures: Own Damage

1. Immediately contact your insurance provider

Inform your insurance provider right away if you have been involved in an accident. This will enable your insurance to advise you on what to do and recommend which panel shop to send your car to if the car requires any repairs.

2. File a police report

Immediately file a police report. To avoid being penalised, make sure to file a police report within 24 hours. Apart from that, your insurance provider will also require a copy of the police investigation report in its original form.

3. Take as many photos as you can to provide as proof.

Do not leave the scene until it is all settled. Take lots of photos because they will serve as proof. As examples:

• Snap a picture of the third-party vehicle and your car, preferably from a 360-degree perspective.
• The licence plate of a third party
• Identification card of the third party
• Exchange crucial data (a full name, MyKad number, driver’s licence number, and contact information).

Remember that if you want to avoid being scammed by a third party, ensure to call their phone number before leaving the accident scene!

4. Compile all necessary documentation for the car insurance claim.

These records are required by your panel workshop when you submit a claim:

• The original police report’s copy
• An actual copy of the results of the police inquiry
• Form for reporting a car accident
• Form for submitting a claim to an insurance provider
• Identification card of the driver (MyKad)
• Identification card of the policyholder
• Estimated costs of repairs

5. Submit all the required paperwork to the insurance provider or the panel workshop.

After following those list of paperwork guidelines, provide the insurance company with all the necessary paperwork. While the representative from your insurance company investigates the issue with your vehicle and estimates the cost of repairs.

Third-Party Claim

The fundamental or required level of car insurance for safe driving is third-party coverage. However, third-party claims only pay for personal losses or fatalities that result from an accident, as well as any harm your car causes to another person’s vehicle.

You would have the advantage of filing a third-party claim if you were not the accident’s cause. Without using or forfeiting your No-Claim Discount (NCD), the third party compensates you for damages to your car.

Guidelines for Car Insurance Claim Procedures: Third-Part Claim

1. File a police report within 24 hours

If you fail to file a police report within 24 hours of the accident or as soon as possible after it occurs, you risk receiving an unwarranted RM300 fine.

2. Take as many photos as you can to provide as proof.

Some of the important details you’d need to capture are:

• Snap a picture of the third-party vehicle and your car, preferably from a 360-degree perspective.
• The license plate of a third party
• Identification card of the third party
• Exchange crucial data (a full name, MyKad number, driver’s license number, and contact information)

Before leaving the accident scene, make sure to call the third party’s phone number to avoid being scammed.

3. Ensure that the third-party insurance provider receives your car

As soon as possible, you should bring your car to the panel shop of the third-party insurance provider.

4. Hire a certified adjuster to evaluate the loss

To ascertain and analyze the entire cost of the damage and compensation for assessed repair time (CART), it would be beneficial if you hired a licensed adjuster on your own or through a workshop.

The acronym CART stands for the amount of time it takes to fix your car at the shop. Visit the PIAM website for further details if you are unfamiliar with the daily CART standard gauge.

5. Remember to submit to the third party’s insurance company all the required paperwork.

The following documents are required of you:

• The original police report’s copy
• An actual copy of the results of the police inquiry
• A copy of your identification card (MyKad)
• A copy of your driver’s license
• Your car’s registration card
• Photo of the damaged car
• A bill of repair estimate for your car (or other damaged property) is to be included in the certified adjuster’s report that has been appointed

Conclusion

Your goal as a responsible driver is not only your safety but also the safety of other drivers and passengers on the road. Therefore, be sure that your car insurance is still active. You never know what can happen. Just make sure you follow the steps we’ve stated above!

If you want an instant car insurance experience with the lowest rates, look no further than Fatberry, an online platform that provides you with a wide selection of insurance solutions at the best price. You have the freedom to choose the insurance companies and plans that best meet your needs and expectations. Besides that, Fatberry also offers other types of insurance such as travel and medical.

___________________________________________________________________________________________________

Fatberry is a comprehensive platform with a wide range of car insurance in Malaysia where you can buy your preferred car insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.