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Met with a Traffic Accident?
Step-by-Step Guide: What to Do After an Accident in Singapore

 

  1. Ensure Safety

    • Stop the vehicle immediately, even if the accident is minor.

    • Turn on your hazard lights to alert other drivers.

    • Move to a safe area (if possible), but do not leave the scene of the accident.

  2. Check for Injuries

    • Check yourself, passengers, and others involved for any injuries.

    • Call 999 (Emergency) if there are serious injuries or if emergency help is needed.

  3. Call the Police (If Required)

    • Police report is mandatory if there are injuries, damage to public property, or if the accident involves a hit-and-run.

    • Police will also assist if the other driver is uncooperative.

  4. Exchange Information

    • Exchange details with the other party:

      • Full name, NRIC, address

      • Driver’s license number

      • Vehicle license plate number

      • Insurance details (company, policy number)

    • Take photos and retrieve dash-cam video immediatly of the accident scene, damage to vehicles, and any relevant details (license plates, road conditions, etc.).

  5. Do Not Admit Fault

    • Avoid admitting fault or making statements that could be used against you later. Simply provide facts to the authorities and insurance companies.

  6. Report the Accident to Your Insurer

    • Notify your insurer as soon as possible (within 24 hours or as stated in your policy).

    • Provide your insurer with:

      • Details of the accident

      • Police report (if applicable)

      • Photos, witness statements (if any), and other supporting documents.

  7. Motor Claims Framework (MCF) Process

    • If your accident is covered by the Motor Claims Framework, your insurer will guide you through the process.

    • You can choose a preferred repair workshop from your insurer’s approved list, or one that’s part of the framework.

    • The insurer will handle the repairs and payment directly to the workshop, with no upfront payment needed (for most repairs).

  8. Repair Process

    • Take your vehicle to the approved repair workshop.

    • The workshop will assess the damage and send the claim to your insurer for approval.

    • Repairs will be covered by your insurance as per the terms of your policy.

  9. Keep Track of the Claims Process

    • Follow up with your insurer for any updates or if you need more information about your claim.

Quick Tips:

  • Always keep your insurance documents and driver’s license handy in case of an accident.

  • If you are unsure about the claims process, contact your insurer for clarification.

  • For minor accidents, the Motor Claims Framework helps simplify the process with designated repair workshops.

 

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Sunday and PH 

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Singapore 408717

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