Just had an accident? We’ll guide you through it.
Step-by-step guidance from the accident scene to claim submission.
Step 1 - The first 5 minutes
Let's start with safety
Make sure everyone is safe before taking the next steps.
Check for injuries
Stay calm and check yourself first, then everyone involved.
Note
If you encounter a road bully, do not get out of the car. Drive directly to the nearest police station and report it.
Keep the area safe
If it is safe to do so, move your vehicle to the roadside and turn on your hazard lights.
Contact us first if you've been in an accident
Get the right support
We’ll arrange towing or medical assistance if needed.
Help speed up your claim
The sooner you report the accident, the sooner we can start processing your claim.
Protect yourself
Reporting the accident creates a record that may help if any disputes arise later.
Step 2 - At the accident scene
Collect information and arrange assistance
Once everyone is safe, gather everything you need for your police report and insurance/takaful claim.
Photograph everything at the scene
Your photos support the police report and can determine who is at fault. Take them before any vehicle is moved, if possible.
Vehicle damage
Wide shot + close-up of every dent, scratch, and broken part on both cars.
Road conditions / traffic lights / signs
Skid marks, potholes, damaged barriers, road names, landmarks, and traffic control devices visible from accident spot.
Vehicle positions
Orientation of both vehicles relative to each other and lane markings.
Dashcam footage
Back up your dashcam SD card immediately.
Exchange information with the other driver
Stay calm and be polite. Exchange contact details with the other party. If they refuse, note down their vehicle registration number.
Never admit fault or sign anything
The police and the insurer/takaful provider will determine fault after completing their investigations.
Driver details
Full name, IC/MyKad number, phone number, address.
Vehicle details
Plate number, make, model, colour.
Driving licence
The other driver's licence number and class (take a photo).
Insurance/takaful information
Insurance/Takaful provider and policy/certificate number (you can find these on the windscreen sticker).
Witnesses
Name and contact number of any bystanders who saw the accident.
Arrange a tow truck if your car can't be driven
Call us for roadside assistance. We'll arrange an authorised tow truck to take your vehicle to the police station and then to your selected panel workshop.
Request Roadside AssistanceIf your car can still be driven
Do not go to any workshop yet. Drive directly to the nearest police station first to file your report, then proceed to an authorised panel workshop.
Step 3 - Within 24 hours
Lodge a police report
Lodge a police report to create an official record of the accident and support your insurance/takaful claim.
Go to the police station nearest to the accident scene
You must lodge a police report within 24 hours of the accident, regardless of who is at fault. After lodging your police report, you may be asked to visit a traffic police station. Follow the investigating officer's instructions if this is required.
What to bring to the police station
- Photos and other evidence of the accident
- Your IC / MyKad
- Your driving licence
- Details of the other driver
Choose an authorised panel workshop before leaving the police station.
To avoid additional towing or workshop relocation charges later.
Phase 4 - Insurance/takaful claim
File a claim
Choose the option that best describes your accident.
Learn how to submit a claim
The other driver caused the accident
- Contact us and let them know you're making an Own Damage Knock-for-Knock (OD KFK) claim.
- Submit your police report, third-party's police report, and investigation result.
- We will arrange your vehicle repairs and recover the costs from the other party's insurer/takaful provider.
- In most cases, your No Claim Discount (NCD) won't be affected.
I caused the accident
- If there's only minor damage and no one is injured, you may consider settling privately. This may help preserve your No Claim Discount (NCD).
- If the damage is significant, submit a claim through your insurance/takaful. Your No Claim Discount (NCD) may be affected.
- The other party may submit a claim directly to us for the damage to their vehicle.
Emergency contacts
24/7 Roadside Assistance
Request online24/7 Roadside Careline
Call 1800 88 6491Police / Ambulance
Call 999Frequently Asked Questions
