Involved in a car accident in Malaysia? Learn step-by-step how to file a car insurance claim, what documents you need, and how to speed up the process.
How to Claim Car Insurance After an Accident in Malaysia
Car accidents can be stressful, but knowing the proper steps to file a car insurance claim in Malaysia can make the process smoother. Whether it’s a minor fender-bender or a more serious collision, this guide walks you through what to do immediately after the accident, what documents to prepare, and how to ensure your claim is successful.
Step 1: Report the Accident to the Police (Within 24 Hours)
The first thing to do after a car accident is to lodge a police report within 24 hours, as required under Malaysian law. Failing to do so may result in your claim being denied. Head to the nearest police station and provide accurate details of the incident.
Step 2: Notify Your Car Insurance Provider
Contact your car insurance company in Malaysia immediately—ideally within 24 hours. You’ll need to provide:
- Your insurance policy number
- Date, time, and location of the accident
- Brief description of the event
Most insurers offer 24/7 hotlines or mobile apps for easy notification.
Step 3: Gather Evidence at the Scene
If it’s safe to do so, collect evidence to support your claim. Take clear, timestamped photos of:
- Your car’s damage
- Other vehicles involved
- License plates
- Road conditions and traffic signs
- Any injuries (if applicable)
Having photographic proof makes your claim more credible.
Step 4: Complete the Insurance Claim Form
Obtain a motor insurance claim form from your insurer or download it from their website. Fill it out accurately and honestly. Any false information can delay or void your claim.
Step 5: Submit All Required Documents
Prepare the following documents to support your claim:
- Completed claim form
- Original police report and a copy
- Copy of your vehicle’s registration card (Grant)
- Photocopy of your IC and the driver’s license
- Photos of the accident scene and damaged parts
- Any additional forms required by your insurer
Tip: Keep a copy of every document you submit.
Step 6: Repairs at a Panel Workshop
Your insurer will direct you to an authorized panel workshop for repair work. Repairs at these workshops are usually covered under your policy and will be coordinated by the insurer. Non-panel workshops may not be eligible for claims.
You can check your insurer’s panel workshop list via PIAM.
Step 7: Follow Up with Insurer and Workshop
Stay in touch with both your insurance provider and the assigned workshop. Ask for a timeline and updates on the repair and claim status. Most providers have a customer portal or mobile app for claim tracking.
Important Tips When Filing a Car Insurance Claim
❌ Don’t Admit Fault
Never admit liability at the accident scene or to other parties involved. Let your insurer and police handle the investigation. Any admission may affect your claim outcome.
✅ Seek Medical Attention (If Injured)
If you or anyone else is hurt, get immediate medical help. Keep records of medical visits and reports, as they may be required later.
✅ Cooperate with Insurer
Respond promptly to any requests for information or clarification. Your cooperation can speed up the car insurance claim process.
Common Mistakes to Avoid
- Delaying the police report
- Not collecting sufficient evidence
- Using non-panel workshops without permission
- Incomplete documents or forms
Final Thoughts
Each car insurance company in Malaysia may have slightly different procedures. The steps above apply broadly, but always refer to your specific policy or contact your insurer for accurate guidance.
Want to compare car insurance plans with better claim processes and benefits?
👉 Compare & Renew Your Car Insurance Now
Internal Linking Suggestions:
- Car Insurance Renewal Guide in Malaysia
- Motorcycle Insurance Claim Steps
- How to Lower Car Insurance Premiums in Malaysia
External Linking Suggestions:
- PDRM e-Report Portal – For lodging reports
- Road Transport Department Malaysia (JPJ)