Accidents are stressful and unexpected. Knowing exactly what steps to take right after a collision can keep you safe, protect your legal rights and ensure a smooth motor insurance claim process. If you ever find yourself in an accident, follow this simple five-step guide to take control of the situation.
1. Document the Scene
- Take photos of the front, back and sides of all vehicles involved
- Capture close-ups of any visible damage
- Capture road signs and your surrounding environment which can help to identify the accident location when making a police report
- Walk around the site and record a clear video of the entire scene
2. Exchange Info Wisely
- What to collect: Politely ask for their name, phone number, license plate and insurance information
- What can be shared: Your name, phone number, license plate and insurance information
- What to avoid: Never admit fault, offer cash to settle at the scene or share unnecessary personal info
3. Gather Extra Details
- Politely ask any witnesses for their name and contact number
- Save and back up your dashcam footage immediately to prevent it from being accidentally overwritten
4. Make a Police Report
- Go to the nearest police station to file your report within 24 hours
- Share the photos and videos you took at the accident scene with the reporting officer
5. Fix the Damages
- Take your car to a designated workshop for repairs
- Bring your police report and insurance policy documents to proceed
Simplify Your Claims With MY Chubb Motor Assist
Need help organizing everything in a stressful moment? MY Chubb Motor Assist is here to provide support and step-by-step assistance when you need it most. If you have motor insurance with Chubb Insurance Malaysia Berhad (licensed by the Financial Services Act, 2013 and regulated by Bank Negara Malaysia), this app will guide you through your claim from start to finish.
The benefit(s) payable under eligible products is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Chubb Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my ). Terms and Conditions apply.
