With the introduction of new Motor Claims Framework (MCF), it is very important for you to know what to do after a motor accident. below are abstracted from General Insurance Association (GIA)’s MCF presentation.

If anyone has been hurt in the accident, call the police immediately.

Otherwise, a police report should be made within 24 hours of any accident that involves:

  1. Damage to a government vehicle or property.
  2. A foreign-registered vehicle
  3. A hit-an-run incident

The parties involved should exchange particulars, including their names, identity card numbers, telephone numbers, addresses, insurer and vehicle number. If there are witness, note their contact details

If you have a digital camera or camera phone, take photographs of the accident, the vehicles and the scene.

If you are sending the photos via a multimedia message, enter 97112758 and the vehicle number and date of accident in the following format: <vehicle number>,<DDMMYY>.

You will receive an acknowledgement SMS from the General Insurance Association Record Management Centre.

Call your insurer’s hotline for a tow truck or for further advice on how to handle the accident. Avoid all unauthorised tow-truck operators or repair workshops.

Report the accident and take your accident vehicle, whether damaged or not, to the approved reporting centre (provided by your insurer) within 24 hours or by the next working day.

Take with you the completed Singapore Accident Statement, which contains two forms, if you have it. You can also ask your approved reporting centre or authorised workshop to help you fill up the forms

Avoid discussing which party is at fault. Refer all communication from the other drivers or their lawyers to your insurer.

Do not authorise ay repair work without the consent of your insurer.


About the Author

Ivan Guan is the author of the popular book "FIRE Your Retirement". He is an independent financial adviser with more than a decade of knowledge and experience in providing financial advisory services to both individuals and businesses. He specializes in investment planning and portfolio management for early retirement. His blog provides practical financial tips, strategies and resources to help people achieve financial freedom. Follow his Telegram Channel to join the FIRE community.
The views and opinions expressed in this article are those of the author. This does not reflect the official position of any agency, organization, employer or company. Refer to full disclaimers here.

{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}