Motor Accident Claims Guide

Example:

• Hitting a wall, tree, or animal;
• Falling into a ditch;
• Skidding into a divider;
• Fire or flood damage;
• Any object falling on car;
• Underbody damage from bumps;
• Scratches while parking,
• Lose control and crash into a tree or lamp post etc

Action to take:

Report the accident to the nearest Police station within 1 hour and present your driver’s license.
Obtain a Notice of Intended Prosecution (NIP) and an Occurrence Book (OB) number-both are required for claim submission.

Example:

A collision occurs between two vehicles only, resulting in damage to one or both vehicles, with no involvement of any other vehicle, pedestrian, or property.

This applies only when:

• No bodily injury to any person
• No damage to third-party property
• Both vehicles are insured
• Both drivers hold valid driving licences
• No uninsured, government, or state-owned vehicle is involved

If any of the above conditions are not met, the Police must be informed and the insurer notified immediately.

Action to take:

If Both Drivers Agree on the Circumstances of the Accident

Complete the Agreed Statement of Facts (ASF) Form jointly with the other driver. (refer to the section below for step-by-step instructions on how to fill the ASF form)

Ensure that both parties:

• Provide their personal and insurance details;
• Accurately describe the circumstances of the accident;
• Sign the ASF form.

Notify Us immediately and submit the completed ASF Form together with any supporting photographs and other documents

Example:

A collision occurs between two vehicles only, resulting in damage to one or both vehicles, with damage to third party property.

Action to take:

Do not complete the Agreed Statement of Facts (ASF). Instead, mark all vehicle positions with chalk, call the Police and report to Us as soon as possible and provide all relevant details and supporting documents.

Example:

Multiple vehicles or Government vehicle involved

Action to take:

In accidents involving multiple vehicles without casualties, do not complete the Agreed Statement of Facts (ASF). Instead, Mark all vehicle positions with chalk, call the Police to come on scene of the accident, and report to Us as soon as possible and provide all relevant details and supporting documents including Police Occurrence Book (OB) reference number

Example:

Injury to anyone or signs of drunk-driving or when there is a disagreement between parties on circumstances of accident

Action to take:

In cases involving casualties, suspected alcohol use, or disagreement over the circumstances, do not complete the Agreed Statement of Facts (ASF). Instead, report the incident immediately to the nearest Police Station, provide a formal statement, obtain the accident report and report the accident to Us as soon as possible and provide all relevant details and supporting documents.

Switch on hazard lights. Place the emergency warning triangle on the road to alert other drivers.

Check if both drivers hold valid driving licenses and insurance vignettes.
If not, contact the Police immediately.

Use indelible chalk to mark the position of the wheels and license plates.
Once marked, move vehicles to the roadside if they are obstructing traffic.

- Fill in one ASF form (original + carbon copy) together with the other party.
Please note only one ASF form should be filled in by both parties

- Include all accident details and a clear sketch showing the point of impact.

- Both parties must sign on the ASF Form

-One party keeps the original, the other keeps the carbon copy, and they submit their respective copy to their insurance company.

• Do not admit liability on the ASF.
  Determining fault is the insurer’s responsibility.
• Do not fill the ASF if:
  • There is any doubt or dispute about the circumstances of accident
  • You suspect the other party is under the influence of alcohol
  • You are uncomfortable or feel pressured
  • More than 2 vehicles are involved
  • If accident involves injury or casualty

Inform our Office or your accredited agent/Intermediary by telephone/email as soon as possible, within 5 days of the accident

• Submit the following documents to our Office or accredited agent or Intermediary within 15 days:
  • Motor Claim Form* (to be filled in by yourself and the driver of the vehicle at the time of accident).
  • Estimate of Repairs from garage*
  • Official police report (if applicable)
  • ASF (Agreed Statement of Facts) form (if applicable)
  • NIP (Notice of Intended Prosecution) if the accident was reported to the Police
  • ID of Insured*
  • Driver’s License* (Recto & Verso)
  • Horsepower* (deed of ownership) (Recto & Verso)
  • Certificate of Fitness*
  • Taxi License* (for Taxis)
  • Photos and any other supporting documents deemed necessary

  *Mandatory document

Upon receipt of claim documents, an Independent Surveyor will inspect the vehicle and submit a report.

• Claim is processed upon receipt of survey report
• The compulsory excess, as outlined in your policy, must be paid before repair authorization can be granted.

Important Notes:

• Excess is applicable regardless of fault
• If not at fault, excess may be:
  • Recovered from third-party insurer,
    or
  • Waived (subject to written liability confirmation)
• If repair cost < excess → full claim cost borne by insured

• Once excess is settled or waived, repair authorization is issued to the garage.