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Reporting a Motor Accident to Your Insurance Company

The Process of Reporting an Accident to your Motor Vehicle Insurance is guided by The Motor Claims Framework (MCF) of the General Insurance Association of Singapore. The MCF is fully supported by all Insurers in Singapore, and is set in their policy as a condition under Reporting or Accidents or Notification of Accidents.

The framework states that in the event of an accident, you are to:

  1. Gather info, and exchange particulars with Parties involved in the accident:
    • NRIC/FIN
    • Name
    • Address
    • Vehicle Registration Number
    • Telephone Number
    • Insurer
  1. Take Pictures:
    • Take pictures of the Accident Scene
    • All Sides of the Damaged Vehicles
    • Check if the vehicle have any cameras installed.

If the other vehicle is a Company Vehicle, you might also want to take down the Company Name and the Person to Contact in the company.

If your vehicle needs a tow-truck, contact your insurer’s authorised Towing Services – it is best that you avoid all unauthorised tow truck operators or repair workshops, in case of indemnity issues.

For easy referencing, just use your Insurer’s car decal for Road Tax display! At the back, it usually contains information for towing services.

It is important that you report the accident to the insurer within 24 hours or by the next working day, as it is both a policy condition and a requirement under the Road Traffic Act.

There are various reporting channels for the Motor Accident. Insurers will have a list of authorised reporting centres for accident reporting. If you bought your vehicle from an Authorised Dealer, such as Borneo Motors for Toyota, they will also be able to assist you in the Accident Reporting.

In addition to this, some insurance companies offer on-site accident reporting service. NTUC Income’s Orange Force is one example. Ajax Adjuster also runs a team of Motor Accident Response Service for 24hours’ response service for several Insurance companies.

Some insurance companies also allow online reporting through their websites. However, this will only be good if you are making a report just for records purpose(no repairs required). If your vehicle is damaged, you will still need to send your vehicle to the workshop.

At AWG Insurance, we will be delighted to assist in your enquiries and provide free quotations for your motor insurance coverage. Do call us at 6690 2994, or leave a message below for assistance.

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