What to do first
Stay calm, stop in a safe place, and check whether anyone is injured. If there is danger, call for emergency help immediately. Take photos of the vehicles, road condition, number plates, and visible damage before anything is moved.
Report the accident as soon as possible
In Malaysia, motor insurance is legally required, and police reporting is part of the claims process. PIAM and Bank Negara Malaysia both note that accident reporting should be done promptly, with a police report lodged within 24 hours when required by the policy.
Notify your insurer
Contact your insurer or agent as soon as you can. If you're unsure what documents or coverage terms mean, it helps to understand key car insurance terms.
Keep your police report, driving licence, vehicle details, photos, and repair documents together. Early reporting helps avoid delays and makes the claim process smoother.
Know which cover you have
PIAM says comprehensive cover can protect your own vehicle damage as well as third-party liabilities, while third-party cover mainly protects against damage or injury to others. If you often travel long distances, it is worth reviewing your comprehensive car insurance coverage before your next trip.
If you are not at fault
For comprehensive policyholders, Bank Negara Malaysia notes that Own Damage Knock-for-Knock can let you claim through your own insurer in eligible cases, without affecting your No Claim Discount.
Make your next trip easier
Before you renew, compare cover and add-ons with an insurance calculator, then review whether you need comprehensive protection, roadside assistance, or better renewal support. PIAM also recommends comparing policies, add-ons, and exclusions before buying.
Drive+ can help at renewal
Drive+ members can get road tax discounts by tier, waived road tax handling fees, EPP/Atome savings on eligible tiers, priority support for car insurance renewals, and loyalty rewards.
Explore Drive+ here
Frequently Asked Questions
Do I need a police report after a road trip accident?
Yes, you should lodge a police report as soon as possible after an accident. In many cases, this must be done within 24 hours if your policy requires it, so acting quickly helps protect your claim.
Can I claim through my own insurer if I am not at fault?
In some eligible comprehensive-policy cases, yes, you can claim through your own insurer even if the accident was not your fault. Depending on the situation, OD-KFK may allow you to do this without affecting your NCD.
What should I keep for the claim?
Keep all important documents and evidence related to the accident. This includes your police report, photos of the damage, driver and vehicle details, and any repair or towing documents.
Can Drive+ help with road tax renewal?
Yes, Drive+ can help with road tax renewal support. It also offers tier-based road tax discounts, waived handling fees, and renewal assistance to make the process easier.
