What to do in the event of a motor accident?
DO’s
The Motor Claims Framework (MCF) provides the following clear and common procedures for the reporting of motor accidents:
Three Steps to Take After a Car Accident
- Exchange Particulars of Parties Involved in the Accident and take note of the vehicle numbers.
- Take photos of the scene of the accident and the damages to all vehicles.
Call your insurer's Hotline for a Tow-Truck or further advice on the accident.
Report the accident to your insurer within 24 Hours or by the next working day.
If you do not report an accident,
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Your insurer may repudiate liability;
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Your No-Claims Discount may be docked upon the renewal of your policy; and
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Your insurer may cancel or refuse to renew your policy.
If there are injured parties in an accident, call for medical assistance and the police immediately.
Make a Traffic Police report as soon as possible or within 24 hours of the accident if the accident involves:
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Fatality;
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Damage to government property;
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Foreign vehicle;
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Pedestrian or cyclist;
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Hit-and-run case; or
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Injury cases where
- at least one person involved in the accident was taken to hospital from the accident scene by an ambulance/ self-conveyed; or
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any party involved in the accident was injured and obtained outpatient medical leave for 3 days or more.
Filing a Traffic Police report is not equivalent to making a report to your insurer. Please note that after filing a Traffic Police report, you are also required to report to your insurer within 24 working hours or by the next working day.
If you do not report an accident,
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Your insurer may repudiate liability;
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Your No-Claims Discount may be docked upon the renewal of your policy; and
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Your insurer may cancel or refuse to renew your policy.
DON’TS
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Do not move your vehicle before taking photographs of the accident scene.
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If someone is injured or there has been a fatal accident, please do not attempt to move the injured person or vehicle(s).
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Under the MCF, motorists are strongly advised not to have any dealings with unauthorised tow-truck operators at the scene of accident.
Should you need any further assistance, please feel free to call us.