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Tips For a Successful Car Accident Claim Singapore

Car accidents can be a traumatic experience for drivers, but it’s crucial to remain calm and think clearly. Aside from ensuring that everyone is safe, it’s important to note all the details as quickly and accurately as possible to reduce the chances of disputes in the future. To do this, follow these tips to make your car accident claim Singapore process go as smoothly as possible.

1. Assess The Scene

If it’s safe to do so, take photographs of the accident site before you move any vehicles. This will save you time in the future and help prove that your account of the incident is accurate. The photos will also show the extent of any damage caused, and are essential in determining liability.

2. Call The Police

If there are any injuries at the scene, don’t hesitate to call the police. They will be able to provide you with further instructions and advice. Likewise, if your vehicle is at the side of the road, it’s best to leave it there until an officer tells you to move it. This will prevent it from obstructing traffic and potentially endangering anyone else on the road.

3. Exchange Particulars Of The Parties

According to the law, it is your duty to provide your name, NRIC/FIN number, contact details and insurer details to other parties involved in the accident, whether or not you intend to claim on their policy. You should do this at the accident scene, if possible, and as soon as possible after the crash occurs. Providing these details will not only help you to get the car fixed as quickly as possible, but it will also ensure that your No Claims Discount isn’t affected when you claim in the future.

4. Refrain From Discussing Liability

Regardless of how minor the accident may have been, it’s a good idea to avoid discussing liability at the scene of the crash. This is because memories can be unreliable, and what you say may be used against you later on. Besides, it’s often difficult to determine fault in the heat of the moment.

5. Report the Accident to Your Insurer

Under the Motor Claims Framework, which is supported by all insurance companies in Singapore, it’s mandatory to report all accidents within 24 hours. Failure to do so could result in you losing your No Claims Discount, and your rights to claim on another party’s policy.

6. Avoid Dealing With Unauthorised Tow-Truck Operators and Repair Workshops

It’s a good idea to stay away from unauthorised tow-truck operators or repair workshops after a car accident. Taking your damaged vehicle to an authorised workshop will help you save money and time in the long run, as they can provide a more accurate estimate of the repairs required. If you’re not sure of which authorised workshop to choose, refer to our list for recommendations.