What To Do If Your Involved In A Car Accident – Malaysian roads are full of accidents and even if you drive carefully, there will always be someone who is reckless and endangers others.
As a result, the Malaysian government enacted the Road Traffic Act 1987 to protect all road users and vehicles. This law is enforced by the Ministry of Transport, the Department of Traffic and the Royal Malaysian Police, with the aim of preventing reckless and negligent accidents.
What To Do If Your Involved In A Car Accident
Despite the efforts of the authorities to create safe roads, the number of traffic accidents that occur every year still remains at an alarming level. In 2020 alone, there were 418,237 road accidents and 4,634 deaths in Malaysia. This means that in 2020, around 13 people will die every day due to dangerous driving.
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Whether the accident is fatal or not, the consequences are irrelevant. Even if you were not at fault in the accident, you should go to the police station and report it to your insurance company. In addition, the car cannot be used during the repair. It would be worse if he got hurt.
We can conclude that being involved in a car accident is the least frustrating and lasting experience.
What should you do if you accidentally get into a car accident? Below is a comprehensive overview to help you prepare for the unexpected on the road.
Above all, don’t panic and stay calm. Check yourself, passengers and others for injuries. If you see someone who needs medical attention, call 999 immediately and ask for help.
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Your car should not block the road. If so, it should be transported safely. Do not let the drivers in front see you. Keeping a safe distance from other vehicles will reduce the chance of a traffic jam or other collision.
In the event of an accident with another driver, both must move to the side of the road. It is important to use your hazard lights and warning triangle even after pulling over to the side of the road.
If you encounter an angry mob or a roadside hooligan chasing you, get out of the car and go straight to the police station. The law prohibits mischief on the road, so if you fear for your safety, go to the police station immediately and file a report.
Once you’re sure it’s safe to get out of the car, properly assess the damage. Discuss any damage to both vehicles with the other party. Remember to be polite, don’t argue, don’t plead guilty, and don’t sign anything.
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If possible, always take photos of the scene and the damage to all vehicles. These photos will be an important addition to the police report.
It is very important to record the personal information of all the drivers involved in the accident because it speeds up the process of notifying the police. If the other party decides to hide or refuse to report it, you are protected and can claim from your insurance company.
Call your insurance company or insurance agent immediately if you realize that your vehicle is out of control and needs towing. The insurance company will ask you a few simple questions about the accident and arrange for a tow truck to go to your location and tow your car to a nearby body shop.
If your car is still drivable, go to the nearest police station and file a report before going to your nearest store.
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Beware of registration scams. Often at the scene of an accident, you will see people who come to you and offer a workshop that will repair your car quickly and cheaply. Sometimes they offer towing services. Don’t discourage them because they may overcharge you for towing or overcharge for repairs.
If you are insured, we offer free roadside assistance 24/7 if your car breaks down or is involved in an accident. Call the hotline at 1 800 88 3833 and someone will help you right away. You can also download our One Touch mobile app to your phone. With the One Touch app, you can find the nearest panel shop and request roadside assistance with one click of the SOS button.
Go to the nearest police station with the traffic department to report. This must be done within 24 hours of the accident, unless there is a valid reason with an official medical report (eg hospitalization or treatment of injuries). A police call may vary. By filing a police report, you protect yourself from any unexpected auto claims or personal injury claims.
You should provide details of the incident and any other evidence as part of the process. After the police investigation, the culprit will be brought to justice. Make sure you get a certified copy of the report as you may need it when filing an insurance claim.
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If your car is damaged, you can negotiate with the other driver or file an insurance claim.
If you decide to file an insurance claim, you have two options depending on your insurance coverage: you can file a claim directly with your third-party insurer, or you can initiate the process by initiating a knock-for-knock (OD KFK ) speed up. ) Claim. .
OD KFK compensation claim is a simple way to submit a claim to your insurance company and you do not need to deal directly with a third party. An OD KFK claim will also cover your NCD (except in certain scenarios) as you are not at fault. NCDs are car insurance discounts if you or a third party do not make a claim on your policy. They can significantly reduce your annual premiums.
However, you will need to provide the insurer with additional documents such as third party policy statements, policy investigation results and the policy plan to ensure a successful claim without affecting your NCD.
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When you file a claim, your vehicle will be inspected by a mechanic or inspector. After assessing the damage and repair costs, the insurance company will let you know the amount they can claim.
If the damage is minor and there is no physical injury, most people prefer to settle with someone else instead of filing a claim with the insurance company and losing the No Claims Discount (NCD).
Depending on the severity of the damage, the other party may submit a Third Party Property Damage (TPPD) claim from OD KFK to their insurance company or your insurance company. Also, if you are injured in a car accident, you can file a claim with your insurance company for your damages, but you may lose your NCD.
When you’re involved in fender benders, it’s a good idea to notify your insurance company, no matter how minor the accident, even if it’s a private deal. By doing so, you can protect yourself from being hit by another driver and potentially sue for personal injury or property damage.
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Disclaimer: This blog post is for informational purposes only and should not be taken as advice. disclaims responsibility for any loss resulting from reliance on the information in this article. According to a recent report by the Singapore Police, the number of car accidents involving personal injuries in Singapore has increased in recent years. Although the number of fatalities has decreased, even for careful drivers, accidents with injuries can still occur.
Error is human, but there are other causes of traffic accidents, such as bad weather, road accidents, unexpected vehicle breakdowns, etc. What you do as a car owner, driver or passenger can make a big difference, especially after a car accident. After checking everything is safe, liability and your auto insurance premiums usually come to mind after an accident. If you need some help, here’s a step-by-step guide to what to do in case of an accident.
Most car insurance companies require a claim report to be prepared within 24 hours, which is usually the same time for a first or third party claim, to avoid violating the terms and conditions of the policy which may affect your claim process.
To get enough photos of the scene and context of the accident, you’ll want to be specific about the photos you take, such as the license plates of all the vehicles.
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If you want to file a first-party complaint, this step does not apply. For complaints from third parties, you will need their contact information, including:
If you were involved in an accident alone or with other participants, try to immobilize the car or vehicle to give the insurance companies a chance to dispute your claim.
It is best to call the car insurance company’s emergency number immediately after the accident. This
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