Car accident in Malaysia can happen anytime if we as drivers are not alert and aware of the surrounding conditions.
Sometimes we have tried our best to be a prudent driver, but we are still involved in an accident caused by the negligence of other drivers.
7 important things you need to do if involved in a car accident in Malaysia
Contact a tow truck registered under the car insurance company.
When an accident occurs, there will be a tow truck that comes suddenly to take your car to the workshop. However, you are advised not to easily agree with them or sign any document provided by the tow truck company.
It is possible that your car was not been taken to a registered workshop.
So what you should do is to directly contact the tow truck registered under the car insurance company.
2. Make a report at the police station nearby
The police report is the most important thing if you want to make a claim after accident happen. In this process, the police will take photos and information about the accident. Don’t forget to print a copy of the police report to facilitate claims from the insurance company.
In case of an accident, make a report at the traffic police station nearby if possible. Make sure to make a police report within 24 hours to avoid any consequences.
Click this link for IPD phone number list
3. Tow the car to the workshop.
For this case, you either can choose panel workshop from insurance company or your own preferred workshop.
4. Prepare documents to the workshop for the claim process.
- Copy of driver’s license
This process takes about three working days before the application get approval.
5. Adjuster being appointed by Insurance Company.
Adjuster being appointed to assess the loss and compensation of the accident before making next decision.
6.Wait for the car to be repaired.
If the adjuster says your car can still be fix, then you just need to wait. Waiting period can be long as 1-2 months depend on workshop efficiency to fix your car.
7. Declare Total Lost.
However, if the result of the adjuster’s assessment finds that your vehicle cannot be saved and is confirmed as a ‘total loss’, some documents need to be submitted to the insurance for the claim process such as:
- The original car grant
- Original car keys
- Finance Bank letter
- Copy of driver’s license
- Letter from the Road Transport Department (JPJ).
Finally, wait for approval from the insurance company before you get accident compensation.
Despite the fact that this process can be a little tedious, it’s okay to go slowly and make sure all the document is filled out accurately.
Each insurance company offers different services or procedure for accident claims.
If you need car insurance and road tax services, just click WhatsApp button above or fill up form on this link.
