How to Claim Insurance for Accidents with a Malaysian Vehicle?

Getting into a road accident with another vehicle is messy and tedious enough to deal with. There are photos to be taken, accident reports to be filed, and insurance claims to be made. This process can get even more tricky if the accident vehicle involved is a Malaysian registered vehicle with a Malaysian insurance company. In order for your car insurance claims process to be smooth and without issue, there are certain guidelines surround the timeliness of your accident reporting at a police station in the hours following the accident, tow truck related concerns, and the necessary documentation such as images and the other party’s identity card and driving licence which you will need to collect as part of the reporting and claims process.

If done incorrectly, your motor insurance company may have issues submitting a third party claim, resulting in you potentially having to make a claim from your own insurance - thus causing you to lose your no claim discount (NCD). To find out exactly how to claim insurance for accidents with a Malaysian vehicle, we spoke to Mr Daeng Sulaiman, Director of Unique Automotive Services in Singapore, which is a car repair workshop that has specialised in Malaysian motor insurance claims since 1999, and has helped many Singaporean drivers make third party claims from Malaysian motor insurance companies over the years, whether the road accident happened in Singapore, or in Malaysia.

Snap photos of the damage to both vehicles (with the licence plate visible if possible).

Snap photos of the accident in relation to your surroundings.

Snap photos of the road tax sticker on the front passenger side of the windscreen.

Snap photos of the other driver’s identity card.

Request that the Malaysian vehicle make a police report at a local police station immediately.

Proceed to make your own police report at a local police station immediately.

Whatsapp Unique Automotive at +65 9818 1838 to check if an insurance claim can be made against the Malaysian vehicle.

Proceed to your insurance reporting centre to file the statement and decide if you will be claiming your damages against the Malaysian vehicle, or if you will be claiming against your own insurance.

Unique Automotive will then be able to carry out the necessary repairs on your vehicle.

Snap photos of the damage to both vehicles (with the licence plate visible if possible).

Snap photos of the accident in relation to your surroundings.

Snap photos of the road tax sticker on the front passenger side of the windscreen.

Snap photos of the other driver’s identity card.

Request that the Malaysian vehicle make a police report at the nearest Balai Polis.

Proceed to make your own police report at the nearest Balai Polis (Do not leave Malaysia without a police report).

Whatsapp Unique Automotive at +65 9818 1838 to check if an insurance claim can be made against the Malaysian vehicle.

If your vehicle can still be driven safely, you should immediately return to Singapore and head to your insurance accident reporting centre.

If you do not wish to immediately return to Singapore to make an accident report, please check your insurance company’s late reporting guidelines as these might apply.

If your vehicle is not driveable, proceed to get your vehicle towed to the Malaysian Traffic Police (Do not let your vehicle be towed to a local workshop).

Call Unique Automotive to seek assistance to get your car towed from the Malaysian Traffic Police back to Singapore.

Once back in Singapore, head to your insurance accident reporting centre to file your accident report.

Unique Automotive will then be able to carry out the necessary repairs on your vehicle.

The event of a road accident is a fairly dynamic one, with events that follow the accident evolving at a fast pace. It is important for you to keep calm, and contact Unique Automotive to seek clarifications on what the next steps should be. As each accident can happen under different circumstances, it is important to note that the process of reporting and submitting a claim can differ slightly from the one described.

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