1. HOW TO MAKE A MOTOR INSURANCE CLAIM

Making an insurance claim may be a hassle for some people. Here is the simple guideline that could help you accelerate your claim process. Here’s a simple to-do list that could guide you to pursue your insurance claim easily, minus the hassle:

1. Own Damage Claim
You can make an Own Damage claim towards loss / damages sustained to your vehicle on your own policy, if your vehicle is protected by a comprehensive motor insurance policy

a) Report to the police within 24 hours as required by Law.
b) Send your vehicle to an authorized workshop for immediate attention.

Kindly submit together with copy of the following documents

• Original police report.

Copies of:
– Insurance Policy / Cover note.
– Vehicle registration card.
– Road tax disc.
– Identity card and driving license of the vehicle owner.
– Identity card and driving license of the driver.
– Hire purchase agreement (if applicable).

Your NCD will be forfeited when you make an Own Damage claim.

No-Fault Own Damage Claim (Own Damage Knock for Knock)
No-Fault Own Damage claim is similar to an Own Damage claim with exception that your NCD will not be forfeited. Introduced by Persatuan Insurans Am Malaysia (PIAM) effective June 2001 in order to expedite the claim process, this claim is applicable only when the accident is deemed not your fault. This is determined by the circumstances of the accident and through the police investigation report (ie Police compound/findings, sketch plan and key) to support the claim. The claim is made only with regards to damages to your vehicle excluding compensations such as loss of use.

Follow the procedure as outlined in “Own Damage Claim”. In addition to the documents to be submitted with your claim form, please enclose the following documents :
Copies of :
• Signed declaration letter (for No-fault accident)
• Third party’s police report
• Police compound / findings
• Police sketch plan and keys (if any)

2. Windscreen Claim
You can make a windscreen claim in the event your vehicle’s windscreen is damaged if your vehicle is covered by a comprehensive motor insurance policy with a windscreen cover extension.

• Complete and sign the Claim Form and submit together with copy of the following documents within 14 days.
– Original police report and / or photos of damaged windscreen .
– Copies of:
* Vehicle registration card.
* Road tax disc.
* Insured’s identity card & driving license.
* Driver’s identity card & driving license.
* Insurance policy / Cover note.
* Photos of repaired windscreen
* Cash bill / final bill / receipt.

3. Theft Claim
You can make a theft claim in the event your vehicle is stolen / loss if your vehicle is protected by a comprehensive or a third party fire and theft motor insurance policy.
• Report to the police within 24 hours as required by Law and obtain a copy of the police report.
• Collect the claim form from your insurance company, complete and sign accordingly, and submit together with copy of the following documents within 14 days.
1. Original police report
2. Copies of:
• Insurance Policy / Cover note
• Vehicle registration card
• Identity card and driving license of the vehicle owner
• Identity card and driving license of the driver
• Hire purchase agreement (if applicable)
– Notify your insurance company if your vehicle is recovered in order to facilitate damage survey by your insurance company’s appointed adjusters before removal from police custody.
– Your NCD will be forfeited when you make a theft claim.

4. Notification
Even though you do not intend to make any claim or you are making a Third Party claim against the third party insurer, you are require to notify your Insurer for protection against liability resulting from the accident, against yourself and your Insurer. This is a requirement of the policy terms & condition to avoid your Insurer to repudiate all liabilities / third party claim that may arise from the accident or to recover any monies paid.

Follow the procedure as outlined in “Own Damage Claim” with exception to repairer’s estimate.

2. WHAT TO DO IN THE EVENT OF AN ACCIDENT

No matter how skilled a driver you are, accidents can still happen even though you have been careful. Therefore, in such an unfortunate event, it is essential to know the necessary actions to handle the situation.

1. Safety First
Park your vehicle in a safe and visible place to avoid additional accidents or create a traffic jam. Remember to turn on the hazard lights to warn oncoming traffic of your position.

2. Attend to the injured
Determine if anyone is injured in the accident. Call for the ambulance and the police if there is any casualty involved.

” Always avoid argument, dispute or controversy. Instead, politely request for important details.”

3. Stay calm Always avoid argument, dispute, or controversy. Instead, politely request for the following details:
• Vehicle registration number
• Driver’s particulars (name, address, contact phone number).
• Precise time, date and place of accident.
• The Insurer’s name and insurance policy number (if possible) of the vehicles.
• Details of witnesses, if any (name, address, contact phone number).
• Details of injured persons, if any (name, address, contact phone number).

4. Be careful
DO NOT commit liability or settlement.

5. Report the accident
Drive or tow your vehicle to the nearest police station from the place of accident and lodge a police report within 24 hours as required by law. Your vehicle need to be inspected and photographs taken by the police.

6. Towing & repairs
Arrange for your vehicle to be towed to a workshop for repairs. Check with your Insurer as they may have a panel of authorized workshop. You may call ASG 24/7 Auto Assist at 06-6775984 / 06-6760000 for assistance. Upon receiving your call, our call centre will be dispatched to tow your vehicle.

7. Notify your Insurer
Complete the Claim / Notification Form and submit to your Insurer as soon as possible even though you do not intend to make the claim, for protection against liability resulting from the accident, against yourself and your Insurer.

Enclose copies of the following supporting documents with your Claim Form:
• Police report (original or certified true copy).
• Insurance policy/Cover note.
• Vehicle registration card.
• Road tax disc.
• Identity card and driving license of the vehicle owner.
• Identity card and driving license of the driver.
• Any correspondence you may receive from third party.