There are few things you may need to know about accident insurance claim, what to claim, how to claim and what are the Do’s and Don’ts.

Slowly we will share with you one by one. Let’s start from what should you do upon meeting a car accident:

1) Let’s see who kisses who’s ass. In another words, who is hitting from behind is normally claimed to be receive summons.

2) If the injury is very-minor, then you may consider to settle it on the spot, which mean you pay some repairing fees to him/ her, or he/ she pay back to you if both parties accept it.

3) If the injury is consider severe, it’s advisable for both of you to make police report IMMEDIATELY. Yes, both parties, at the same time*. There’s no necessary to take down the name, IC number or phone number. But you can do it, especially the contact number (once you got the number, try to call on the spot to make sure that the number is correct and belongs to him).

^take picture of car acccident on the spot, if available and possible.

3.1) *Why should you make police report at the same time? Simply because if he/ she hit you from behind (that he is in fault) and the injury is not serious, he may try to ignore and refused to go to make police report. Why again? Simply, if he would to do so, he would have receive summon (of RM300) and at the same time, his car insurance NCD will goes back to 0%, means no more discount for car insurance payment next year.

Below chart show how NCD work on the saving on discount:

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