Road Accidents

1. Meeting Road accident is really an frustrating event. That’s why we are here to assist you in seeking compensations.
2. Starting from 1 June 2008, the General Insurance Association of Singapore has laid down a Motor Claims Framework ('MCF').
3. Under the MCF, all accidents whether happened in Singapore or Malaysia, regardless of how minor (even if the damage is not visible), must be reported to your motor insurers within 24 hours or by the next working day. Otherwise, it may result in a loss of your No Claim Discount when you next renew your motor policy.
4. Also if you fail to report the accident to your motor insurers, you may have breached the terms and conditions under your motor insurance policy which may result your motor insurers repudiate the policy liability.
5. It does not matter if you intend to claim from the motor insurers or Third Parties or you have made a direct settlement with the Third Parties, you must still lodge a report with your motor insurers.
6. Please consult your motor insurers on their reporting centres. You may usually find your motor insurers’ hotline or contact number in your motor insurance policy.

If you met an accident in Singapore or Malaysia, what must you do at the Accident Site?

1. You should stay calm. You should not become agitated and angry.
2. You should take down the following particulars:
   • registration numbers and name of insurance companies of all vehicles involved in the accident; and
   • names, NRIC Numbers, addresses and telephone numbers of the drivers, passengers, injured pedestrians and witnesses.
3. You should also give your particulars to the other parties involved in the accident.
4. Call your motor insurers for a tow truck if you need one to move your vehicle after an accident, or if you need advice about the accident. You should not engage any unauthorized tow truck operators.
5. If it is a serious accident resulting someone injured or death, call the police and the ambulance immediately. As the police need to draw a sketch plan, do not move the vehicles or dead bodies.
6. If possible,
   • make a sketch plan or mental note of the accident site, position of vehicles, any landmarks; and
   • take photographs of all damage caused by the accident. You must keep the negatives of those photographs. You may also use your Hand phone to take photographs.
7. Photographs and sketch plan tell a thousand words as many people do not realize how essential and helpful these photographs and sketch plan are to parties who are trying to resolve the accident claim after several months or years later.