
Met with a Traffic Accident?
Step-by-Step Guide: What to Do After an Accident in Singapore
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Ensure Safety
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Stop the vehicle immediately, even if the accident is minor.
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Turn on your hazard lights to alert other drivers.
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Move to a safe area (if possible), but do not leave the scene of the accident.
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Check for Injuries
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Check yourself, passengers, and others involved for any injuries.
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Call 999 (Emergency) if there are serious injuries or if emergency help is needed.
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Call the Police (If Required)
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Police report is mandatory if there are injuries, damage to public property, or if the accident involves a hit-and-run.
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Police will also assist if the other driver is uncooperative.
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Exchange Information
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Exchange details with the other party:
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Full name, NRIC, address
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Driver’s license number
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Vehicle license plate number
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Insurance details (company, policy number)
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Take photos and retrieve dash-cam video immediatly of the accident scene, damage to vehicles, and any relevant details (license plates, road conditions, etc.).
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Do Not Admit Fault
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Avoid admitting fault or making statements that could be used against you later. Simply provide facts to the authorities and insurance companies.
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Report the Accident to Your Insurer
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Notify your insurer as soon as possible (within 24 hours or as stated in your policy).
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Provide your insurer with:
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Details of the accident
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Police report (if applicable)
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Photos, witness statements (if any), and other supporting documents.
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Motor Claims Framework (MCF) Process
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If your accident is covered by the Motor Claims Framework, your insurer will guide you through the process.
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You can choose a preferred repair workshop from your insurer’s approved list, or one that’s part of the framework.
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The insurer will handle the repairs and payment directly to the workshop, with no upfront payment needed (for most repairs).
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Repair Process
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Take your vehicle to the approved repair workshop.
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The workshop will assess the damage and send the claim to your insurer for approval.
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Repairs will be covered by your insurance as per the terms of your policy.
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Keep Track of the Claims Process
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Follow up with your insurer for any updates or if you need more information about your claim.
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Quick Tips:
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Always keep your insurance documents and driver’s license handy in case of an accident.
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If you are unsure about the claims process, contact your insurer for clarification.
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For minor accidents, the Motor Claims Framework helps simplify the process with designated repair workshops.