Accidents can be stressful, especially when you’re unsure what steps to take next. Whether it’s a minor collision or a more serious crash, knowing how to claim insurance after an accident is crucial for a smoother recovery process. Both physically and financially. This article guides you step-by-step on how to claim insurance after accident, ensuring you are better prepared if the unexpected occurs.
If you’re not sure which type of motorcycle protection is right for you, you can read this article: Motorcycle Insurance Policies and Providers.
Step for Insurance Claim
Step 1: Stay Calm and Ensure Safety
Immediately after an accident, check yourself and others for injuries. If the accident is severe or someone is hurt, call emergency services right away. Turn on your hazard lights and, if safe to do so, move your vehicle to the side of the road to avoid further collisions.
Document the scene by taking clear photos of:
Damaged vehicles
Road conditions
Traffic signs
Injuries (if any)
This visual evidence is crucial when you later claim insurance after accident. You may refer to this article: Involved in Motorcycle Accident? for more detail.
Step 2: Exchange Information
Gather and share essential details with the other party involved in the accident:
Full name and contact number
NRIC/ID number (if in Malaysia)
Vehicle registration number
Insurance provider and policy number
Driver’s license number
Avoid getting into arguments or admitting fault at the scene. Let the insurance companies and authorities handle the investigation.
If an accident occurs due to potholes, you can refer to the article: Accidents Caused by Potholes
Step 3: Make a Police Report
In Malaysia, a police report must be made within 24 hours of the accident. This report is a key document required to claim insurance after accident. Head to the nearest police station and bring:
Your identification card
Driver’s license
Photos or videos of the accident scene
Any medical reports (if injured)
The police will issue a report detailing the incident, which your insurer will use to assess the claim.
Step 4: Notify Your Insurance Company
Contact your insurance provider as soon as possible. Preferably within 24 hours. Most insurers have a 24/7 hotline for claims assistance. Inform them of the incident and follow their instructions.
You will typically need to provide:
A copy of the police report
Photos of the accident
Claim form (provided by the insurer)
Medical report (if applicable)
Some insurers may also require a repair estimate or allow you to bring your vehicle to a panel workshop for inspection.
Step 5: Send Your Vehicle to a Panel Workshop
If your policy includes coverage for repairs, your insurer will usually recommend sending the vehicle to a panel workshop. These are authorized service centers that work directly with the insurance company. Using a panel workshop can speed up your claim process, as they liaise with the insurer and help estimate the repair costs.
You might need to pay an excess fee (a small amount from your own pocket), depending on the terms of your policy.
Step 6: Understand the Types of Insurance Claims
There are two common types of insurance claims you can make:
Own Damage Claim (OD) – For accidents where you are at fault or where the other party is unknown (e.g., hit-and-run).
Third-Party Claim – If the other driver is at fault, you can claim from their insurer for damages and medical expenses.
Knowing the right type of claim to file ensures a smoother process when you claim insurance after accident.
For your information, motorbikes that are swept away by floods can also claim insurance for damage. Read this article: Motorcycle Flood Damage Can Claim Insurance? for more details.
Step 7: Monitor the Claim Process
Once you’ve submitted all documents, the insurance company will evaluate your claim. This may involve:
Surveyor inspections
Verification of police reports
Assessment of damages
Depending on the complexity, the approval and repair process may take a few days to weeks. Stay in contact with your insurer and the workshop to get updates.
Step 8: Keep Copies of All Documents
Throughout the process, always keep copies of:
Police report
Claim forms
Medical bills
Repair receipts
These documents are essential not only for the current claim but also for future reference or disputes.
Additional tips: Make Sure Your License and Insurance Are Active
As a precaution, motorcyclists are very exposed to risks on the road. So, make sure your motorcycle insurance and road tax are always active. With Super Motor Company, you can renew your insurance easily.
Don’t forget, digital driving licenses have now been launched. However, there are certain conditions that you need to know. Read more here: Digital Driving Licenses in Malaysia.
Accidents happen, but being prepared makes a world of difference. Understanding how to claim insurance after accident can save you time, money, and unnecessary stress. Follow the steps above, keep calm, and let your insurance provider handle the rest.
By staying informed, you protect not just your vehicle, but also your peace of mind.
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