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While all cars are insured here, many of us are unsure of what to do when we get into an accident with another vehicle. Fret not, here's what you should do.

Category: Car Ownership Advice

No, stepping out of the car and spewing vulgarities at the other driver won't get your car fixed nor will it get you any sort of compensation. Let your emotions go further out of check and you might even land yourself on the wrong side of the law for road raging.

Got into an unfortunate accident on the busy roads in Singapore? No worries, here's what you should do to ensure a smooth insurance claim process.

1. Check for injuries or damage to government property

Even if there are no injuries, a police report must be made if there's damage to government properties
The first thing to do in the event of a traffic accident is to check for injuries. If there are any injured parties, you will have to call for an ambulance for medical assistance and the police at 995 and 999 respectively, immediately.

You will also have to make a traffic police report within 24 hours if the accident involves a fatality, damage to government property, a foreign vehicle, a pedestrian or cyclist. If it is a hit-and-run case, or where at least one person involved in the accident was taken to a hospital, or has obtained a medical leave for three days or more as a result of the accident, a traffic police report must be made as well.

2. Take photos of the accident scene

Photos are crucial to insurance claims - do not move your car before the necessary photos are taken
Do not move your vehicle before you take the necessary photos of the accident scene, if there are any injuries or deaths, do not attempt to move the injured persons (you might aggravate their injuries). Moving your car can leave you open to disputes by the insurance companies, possibly complicating the claims process. However, should your car be in a precarious position, you should move your car to the road shoulder for safety reasons.

The photos are crucial for insurance claims. Hence, they should show the context of the incident, such as the road condition, traffic condition, the extent of damages, as well as the number plates of the vehicles involved. These photos should be able to portray how the accident happened, and whose fault it is. As such, it is necessary to take wide photos of the accident scene as well as the surrounding area, taking note to capture photos of lane markings, skid marks, and debris from the accident. You will also have to take closer photos to show the damage to the vehicles as well as the number plates of the involved vehicles.

Of course, it would also be highly beneficial to have a dash cam footage, which will offer much more information on how the accident occurred as compared to photos.

3. Exchange particulars with parties involved

Always remember to exchange particulars with drivers involved, as you will need these information to file for a claim
In order to facilitate the claims process, make sure to get the particulars of the other driver involved. This includes:

- Full name


- Contact number

- Home address

- Insurer details

4. Contact your insurer

Consult your insurer before engaging a tow truck, and always use authorised tow trucks to avoid complications
If your vehicle is unable to move on its own power after the accident, and needs to be towed, you should contact your insurer for assistance. They will be able to advice on getting a tow truck as well as the authorised workshop to tow your vehicle to (most insurers will advise you to use authorised tow trucks to avoid complicating your claims process).

Whether or not you decide to claim, you should still report the accident to your insurance company within 24 hours or by the next working day. If you fail to do so, your insurer can reject your claim, and you might be liable to pay for damages claimed against you by the other party. You might also lose your No Claim Discount or your insurer might even cancel or decline to renew your policy as well.

5. Let the other party's insurer inspect your vehicle's damage

Do not start repair works on your car before the other party's insurer has inspected the damages!
As part of the process for a third-party claim for the damage to your vehicle, you will have to let the other party inspect the damage of your car before repair work is started. The other party's insurers will conduct a pre-repair inspection within two working days from the time of notification. You can only start to repair your vehicle after the inspection has been completed, unless the other party's insurer has waived the right to inspection.

Most third-party damage claims are usually settled within six months and complicated cases can take a longer time than that. In order to ensure a smooth and speedy claim process, you should also provide your accident report, police report, information regarding the accident scene such as the photos you have taken, videos, as well as any other evidence or documents to support your claim.

Accident insurance claim checklist
1. Date, time, location of incident
2. Police report (if applicable)
3. Wide-angle photos depicting surroundings
4. Close-up photos of damages of cars involved
5. Photos of number plates of cars involved
6. Dash cam footage (if applicable)
7. Particulars of all involved drivers, including: full name, NRIC, contact number, home address, insurer details

List of popular insurers authorised workshops
Budget Direct Insurance
Direct Asia Insurance
EQ Insurance
Etiqa Insurance
FWD Insurance
Hong Leong
NTUC Income

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