Car Insurance Claim Process

When it comes to doing your car insurance claim, the process and procedure is often a troubling one. Especially since it is an unfortunate situation nobody wants to find themselves in.

Despite that, it is always critical to know your rights and what you should be doing in the unfortunate event you find yourself in a motor accident. As a parallel importer, many of our clients love the fact we provide car insurance services for them. It has helped us to serve them both in happier times and also in critical moments when they need our expertise.

For your reference, we’ve included some critical car insurance claim steps below:

Steps to Follow in A Motor Accident

  1. Check for any injuries to yourself, and your passengers.
  2. If there are any injuries involved or damage to public property, there is a need to make a police report.
  3. Get down, take photos of the accident scene, as well as the photos of your own car and the other cars involved in the accident. Make sure to take down their number plates as well.
  4. Exchange particulars, contact details and take photographs of IC & driving license of all involved in the accident.
  5. Depending on whether your vehicle is still drivable, you might need to arrange for a tow truck.
  6. You need to make an accident report within 24 hours of the accident, no matter how trivial it might be.
  7. Proceed to file a car insurance claim for repairs to the damaged vehicles.

Car Insurance Accident Claim Procedure

car insurance claim

After taking the proper procedures during an accident and making an accident report, the next step to take would be to make an insurance claim for the damages to your car.

Should the damage be caused by yourself, then you would be claiming against your own insurance for repairs to your vehicle. We call this, “own-damage claims”, or OD claims. Usually, there will be a fee called, “excess”, that you have to pay.

Should the damage be caused by another party, then you would be making a claim against the other party’s insurance. We call this “third-party claims”, or TP claims. Similarly, if you have caused an accident and damaged another person’s vehicle, that person would also file a TP claim against your insurance. For TP claims, there are usually no excess fees involved.

The disadvantage of claiming an OD, or having another person claim TP against your insurance is that you will lose 30% of your NCD upon renewal. And depending on the amount of the claims, your base premium might also go up.

Now, for most accident cases, the liability of the accident is straightforward but there are many cases where the liability is uncertain, and both parties insist that they were in the right and tries to claim each other’s insurance. In this case, it might be difficult to determine who is right/wrong and might even drag on to become a legal case, which is extremely time-consuming (might take years to settle) and costly as well.

In order to prevent such cases, one of the most effective ways is to install an in-car camera to record events on the road. With events recorded, it will be easy to see which party was liable for the accident.

While there are many in-car cameras on the market now, we always remind our clients NOT to go for the cheapest ones. After all, these cameras are there to help in the event of an accident, and we’ve seen many cases where these same devices, “conveniently” stopped working in those situations.

What Is ‘Excess’ in your Car Insurance

This is something that you should know when purchasing your car insurance. Excess is basically the portion that you will need to foot upfront in the event of a claim.

For example, if you make a claim of $5000 and your excess is $1000, you will need to pay this $1000 while your insurer covers the $4000.

But what if your claim amount is less than your excess. You will still have to foot the bill on your own for this case. In some ways, this is beneficial in the long run as it helps to keep your car insurance premium from ballooning.

Some insurers allow you to lower your car insurance excess by charging a higher premium so it would be good to do a cost-benefit analysis and don’t always go for the cheapest car insurance deals before committing.

Knowing what your excess is will come in handy when filing for your car insurance claim for the accident repairs.

Accident Reporting

In the event of an accident, under the new Motor Claims Framework (MCF), no matter how trivial the accident or even there is no visible damage to your vehicle, and irrespective of whether you are making a claim or not, it is mandatory that you make an accident report within 24 hours of the accident.

Failure to do so might cause you to have your claim later declined, and also your NCD forfeited upon renewal of your policy. To find out more about the MCF, click on this link.

We are able to help you do accident reporting irrespective of the insurance company that you bought your policy from. Please feel free to give us a call at 64532121 and we will be able to advise you accordingly.

Own Damage Claims

In the event that you want to make a claim against your own insurance company, please note that if your policy is such that it enables any workshop to repair your vehicle, please feel free to drop by and we can assist you with the necessary paperwork for your car  insurance claim as well as the repair works.

However, for policies that state that only repair at authorised workshops are allowed, we are able to do repairs for the following companies:
1. Tokio Marine Insurance
2. Ergo Insurance
3. Hong Leong Assurance
4. FWD Insurance
5. EQ Insurance
6. Great American Insurance
7. UOI Insurance
8. Direct Asia Insurance
9. ECICS Insurance
10. Allianz Insurance
11. China Taiping
12. Etiqa Insurance

Do note, however, that by making a claim against your own insurance (other than for windscreen damage), your NCD will be affected. (Usually there will be a 30% reduction in the event of a claim).

For policy holders of other insurance companies, please do not fret! Due to our years of experience in this industry, we have many contacts and even though we may not be authorised to help you with your repair, we are able to recommend you to our trusted counterparts who will be able to help you all the same! So please feel free to give us a call and we can advice you accordingly.

3rd Party Claims

We are able to help you with your 3rd party claims (claim against the other party’s insurance) in the event that you are a victim of an unfortunate accident.

Simply send your car to our workshop, or give us a call if your car is not drivable and we will send our tow truck to assist you.

We will assist you in doing all the necessary paperwork in order to make a claim. For repair works, we only use original parts or equivalent (OEM) parts. This is to ensure the reliability of the car after repair. Also, while waiting for your car to be repaired back to the original state, we will provide you with a courtesy car to use during the period of repair.

Also, in the unfortunate event of a hit-and-run accident, if you have a witness to the accident, we are also able to help you do a 3rd party claim. Please call us and we will advice you accordingly.

Request for Quotation

Is your motor insurance expiring within the next 2 months?

We will help you source for a comprehensive quote from the our insurance partners thus giving you better savings for your new or used car.

You will have peace of mind knowing that you can come back to your workshop in the event of any claims.

Click here to get the lowest priced quote from us!