Claims Procedures

Car Insurance Claims Procedures

The Motor Claims Framework (MCF) provides the following clear and common procedures for the reporting of motor accidents:

6 Steps To Take In A Car Accident


a) Exchange Particulars of Parties Involved in the Accident and take note of the vehicle numbers

b) Take photos of the scene of the accident and the damages to all vehicles


Call Your Insurer’s Hotline for a Tow-Truck or further advice on the accident


Report within 24 Hours or by the next working day


If there are injured parties in an accident, call for medical assistance and the police immediately.


Make a Traffic Police report as soon as possible or within 24 hours of the accident if the accident involves:

  • Fatality;
  • Damage to government property;
  • Foreign vehicle;
  • Pedestrian or cyclist;
  • Hit-and-run case; or
  • Injury cases where

i. at least one person involved in the accident was taken to hospital from the accident scene by an ambulance/ self conveyed; or

ii. any party involved in the accident was injured and obtained outpatient medical leave for 3 days or more.

  • Please note that after filing a Traffic Police report, you are also required to report to your insurer within 24 working hours or by the next working day
  • Do not move your vehicle before taking photographs of the accident scene.

With effect from 1 June 2008, you must

  • Report incident within 24 hours or by the next working day to avoid penalty of 10% deduction in your NCD (regardless of whether it is your fault or the other party’s fault)
  • When making a report, bring your driver’s NRIC or other identification documents, driving licence, and the original Vehicle Insurance Certificate