At the scene
- Make sure everyone is safe and switch on your hazard lights.
- Photograph the scene, both cars, the damage and both plate numbers.
- Exchange names, phone numbers, IC and insurance details with the other driver.
- Don’t admit full liability or sign anything, and don’t accept towing from strangers. Call your insurer’s emergency line for a tow.
Renew roadtax & car insurance on WhatsApp
Deadlines you must meet
- Police report within 24 hours. It is required under the Road Transport Act 1987, even if both drivers agree to settle privately. You can file at the police station or through the police e-reporting portal.
- Tell your insurer within 7 days (longer if you were hospitalised). Check your policy for the exact deadline.
Which claim to make
| Claim type | When | Your NCD |
|---|---|---|
| Own Damage Knock-for-Knock (OD-KFK) | You have comprehensive cover and the other driver is clearly at fault | Not affected; you can also recover your excess |
| Third Party Property Damage (TPPD) | Claim directly from the other driver’s insurer | Not affected; can include loss of use (CART) |
| Own Damage (OD) | You are at fault, or no other party is involved | Resets to 0% at next renewal |
OD-KFK can’t be used if someone was injured, if the other insurer is outside Malaysia, or if the other vehicle is a bus, taxi or rental car.
Documents to prepare
- Completed claim form
- Original police report, and the police result letter showing who was compounded
- Copies of the vehicle grant, and the IC and driving licence of the driver and policyholder
- Photos of the scene and damage
- Repair estimate from the workshop, and receipts for towing or car rental
Choosing a workshop
The PIAM Approved Repairer Scheme (PARS) ended on 1 August 2025. For own damage and KFK claims, use your insurer’s panel workshop; an unapproved workshop is a common reason for a reduced claim. Panel workshops deal with the insurer directly, so you only pay any excess.