To begin, you can make an own damage claim or a no-fault damage claim if the accident is not your fault with a comprehensive auto insurance policy.
When a victim’s own car is damaged in an accident, they file an own damage claim. It’s only necessary to do so if you have a comprehensive policy and the accident was your fault.
When you file an own damage claim, your insurance company is contacted. You’ll have to file an Own Damage claim. When filing an own damage claim, you run the risk of losing your No Claim Discount (NCD).
Step-by-step guide to Own Damage claims process:
In the event of an accident, contact your insurance company right away. They will tell you what you need to do and even recommend a panel shop to send your car to if it has to be repaired.
Insurance companies will require a police report as well as an original copy of the police investigation results, so file a police report as soon as possible. If you wish to avoid incurring an RM300 fee for filing a late police report, you must file a police report within 24 hours after the accident.
Take photos of the damaged vehicles, including the licenses of the individuals involved and the vehicles with their respective car number plates, at the accident scene. It’s all about keeping track of everything that happened.
The following papers will be required for the panel workshop:
– A copy of the police report in its original form
Submit all relevant paperwork to your insurance carrier once you’ve obtained them. An insurance adjuster will examine the damage to your vehicle and the cost of repairs. Following the examination, the panel shop will begin work on your vehicle.
When you file a claim with your insurance, keep in mind that they won’t pay for all of the damages; you’ll still have to pay a portion of the damages known as the excess. It might be either a policy or a mandatory excess. If the repairs were completed at one of their panel of repair shops, some insurers will waive the extra.
Here’s how it works: if your excess is RM200 and you file a RM1,000 claim, your auto insurance company will pay out RM800. This aids insurers in reducing the number of minor claims.
The mandatory excess has been set at RM400. When you file a claim with your insurance company, you must pay an excess if your car was driven by:
If the repairs were completed at one of their panel of repair shops, some insurers will waive the extra.
How do I claim accidental car insurance?
- Call your insurance carrier as soon as possible after the accident to report the damage.
- Make a claim with your insurance company and request that a surveyor be assigned to assess the damage.
- If your insurer allows it, you can also submit your claim online.
Documents required to make a claim:
The insurance provider may need certain documentation from you in order to validate and approve your claim. You must submit all required papers for the claim as well as complete the claim form. The following is a list of papers that you must present when filing an automobile insurance claim:
Formalities for making a car insurance claim
In the event of an automobile accident, the policyholder has two options for filing a claim: third-party and own damage. After an accident, follow these steps to file a claim:
- Third-party claim: In cases where a third-party vehicle has caused damage or harm to you or your vehicle, you can file a third-party claim against the other vehicle owner. If you are unable to work as a result of the accident, you may be eligible to recover medical expenses as well as compensation for personal injury, property damage, and loss of earnings. If there is a death, compensation can also be requested.
In the case that your car collides with another vehicle and causes damage to a third-party vehicle, on the other hand, your insurance will cover the damages, loss, injuries, and deaths that you caused to the other party.
- Obtain the insurance information for the vehicle that caused the damage to your car and notify that vehicle’s insurer of the occurrence.
- Immediately notify your insurance carrier of the situation. Make sure you notify your insurer about the accident within the time limit.
- Then, with your insurer’s help, file a third-party claim. If you’ve been injured, you’ll need to file a third-party claim against the vehicle’s owner. In the event that your vehicle causes injury, death, or property damage to a third party, you must file a claim with your insurance provider.
- Call the police and register a First Information Report by contacting the police helpline number (FIR). In the FIR, make sure to include the following information:
- After that, you must make a claim with the Motor Accident Claims Tribunal in the region where the accident occurred, or with the tribunal in the area where you (the claimant) and the third-party (the defendant) both live or conduct business.
- Own damage claim: If your insured car is damaged or lost as a result of an accident, you can make an own damage claim. The medical bills and repair costs incurred as a result of the accident will be covered by your insurer. You will, however, need to verify the extent of the harm or loss caused by the accident. Only if you have a comprehensive insurance will you be entitled for this claim.
Points to remember:
- Make a thorough examination of yourself and your vehicle to see if any serious injuries have occurred. You’ll have to decide whether or not to seek medical help based on the severity of the injury.
- Make your claim within the time frame set by your insurance company, which is usually 24 hours.
- In the event of a delay, the claim may be rejected.
- Take down the license plate number, model, and color of the other vehicle involved in the collision.
- Speak with any witnesses who were present at the time of the accident and take down their names and contact information.
- You might need to contact them again in the future to figure out who caused the mishap.
- You can avoid filing a claim if you discover that the damage is limited to the car and is minor. Make a thorough assessment of the situation and make an immediate call.
- Avoid getting into a fight with the third party, as this will only add to the confusion.
- If you’re not sure what you’re going to do next, don’t say anything to the cops or the insurance company.
- Only move the vehicle from the accident scene for repairs or other purposes if the police and insurance company agree.
- You must submit all required documents for the claim and complete the claim form. An inspection of the vehicle may also be required.
- If your automobile insurance policy includes a cashless claim option, drive your vehicle to a network garage for repairs and take use of the cashless service to avoid paying for insured damages out of pocket. The insurer will cover the cost of the workshop.
How do I claim car insurance if its not my fault?
When filing a claim, you’ll need to supply information about the other motorist; check with your insurer to see what information is needed. Online, over the phone, or by filling out a form are the most frequent ways to file a claim.
If you can’t figure out who was at fault (say, in a hit-and-run), you may have to file an at-fault claim.
How long after accident can you claim insurance?
Making a claim is subject to time constraints, which can be as short as 28 days from the date of the accident. See There’s been an injury on the State Insurance Regulatory Authority website for more information about the types of claims you can file and the time constraints. See Injuries for further details.
How do I write a letter of claim for a car accident?
You can send an insurance company notification letter that looks as if it came from an attorney’s office. A well-written letter demonstrates to the insurance company that you understand what you’re doing.
Your notification letter should be straightforward and to the point. Don’t assign blame or go into great detail about your injuries. It’s too soon to know how much your injury claim is worth.
When you’ve recovered from your injuries, fill out your compensation demand packet with all the relevant information.
For your records, make a copy of the signed letter. Attach the certified mail green card to your copy of the notification letter when it arrives, certifying that your letter was received.
Keep copies of all correspondence to and from the insurance company, as well as other necessary paperwork, in your injury claim file.
Do I need to make a police report for a car accident?
When the collision involves a government vehicle, damage to government property, a foreign vehicle, a pedestrian or cyclist, a hit-and-run case, or an injury that requires hospitalization or medical leave for three days or more, you should file a police complaint. In any case, a police report can serve as an official written record of the accident, and it is recommended that you file one if you are involved in one.
When should you make a police report for traffic accident?
The Motor Claims Framework (MCF) establishes the following straightforward and uniform processes for reporting motor vehicle accidents:
- a) Exchange contact information for all parties involved in the accident, as well as vehicle identification numbers.
- Within 24 hours of the accident, or by the next business day, notify your insurer.
- If anyone is hurt in an accident, call for medical help and the authorities as soon as possible.
- If the collision involves: Make a Traffic Police report as quickly as possible, or within 24 hours if the accident involves:
What do you do after a minor car accident?
- The law requires you to halt your car at the scene of an accident (section 170 of the Road Traffic Act 1988). If it is not safe to stop your automobile right away, look for a nearby refuge spot where you can pull over and stop. This could be a hard shoulder on a highway or a side street off a major main road.
- Someone may be hurt as a result of the accident, depending on its severity. Examine yourself first, then your passengers, as well as any other individuals involved, including pedestrian witnesses, for injuries. If an ambulance is required, dial 911.
- If a car is on fire, or if passengers are injured or trapped inside a vehicle, or if the collision has caused a roadblock, emergency services must be called. Call 101 if you don’t need an emergency response.
- You are required by law to share information with the drivers of the cars involved, including both the driver’s and the vehicle owner’s names and addresses (unless they are one and the same). Failure to do so constitutes a criminal offense. Your insurance company will also need this information to process any claims. Make a note of car identification markers (registration plate, make, and model) for all vehicles involved and exchange driving license information (take a photo) for contact details.
- In order to evaluate fault and liability, insurance firms use facts from the accident scene. Always attempt to obtain as much information as possible regarding the accident scene. Take pictures of the accident site and the damage to the automobiles involved. Take careful notes on essential details such as the time of day, weather, traffic, and driving conditions. All of this data may be beneficial to insurers and law enforcement. Exchange contact information with any passers-by or witnesses who can corroborate your account of what happened. You’ll be able to develop a strong remember of the collision if you take careful notes on all of the people and vehicles involved.
- You should contact your insurance company as quickly as possible to share all of the information you acquired at the accident scene. If you decide to pursue a claim, your insurance carrier will contact all other parties involved to determine fault and liability and to settle all claims. You can schedule car repairs after your insurance company has been notified of the accident. Find out more about how to fix your car after an accident.
Should I call my insurance if the accident wasn’t my fault?
If you were in an automobile accident that was not your fault, you should contact your insurance provider. First, as indicated in your policy, you may be required to contact your insurance carrier. Second, even if the accident was not your fault, you may uncover accessible coverage to assist you with your damages.