What Counts as a Hit-and-Run in Malaysia?
A hit-and-run happens when a driver involved in an accident leaves the scene without stopping to provide their details or assist.
This can include:
A vehicle hitting your car and speeding off
A driver refusing to cooperate and leaving abruptly
Damage discovered later (e.g., parked car hit overnight)
Can You Still Claim Insurance After a Hit-and-Run?
Yes, but it depends on your type of coverage and the evidence you have.
Scenario 1: You Have Comprehensive Insurance
You can claim under Own Damage (OD) coverage if:
The other party cannot be identified
You have filed a police report
You have provided sufficient supporting evidence
However, this usually means:
You may need to pay excess
Your NCD could be affected
Scenario 2: You Can Identify the Other Driver
If you manage to get:
Car plate number
Dashcam footage
Witness confirmation
Then you may file a third-party claim, which:
Avoids paying excess (if the other party is proven at fault)
Scenario 3: No Strong Evidence
If there’ still no proof:
Your claim may be rejected, or
Processed as own damage with stricter scrutiny
What You MUST Do After a Hit-and Run
Taking the right steps immediately can improve your chances significantly:
Lodge a Police Report Within 24 Hours
This is mandatory and crucial for any claim.
Gather Evidence at the Scene
Try to collect:
Photos of damaged and surroundings
Dashcam recordings
Nearby CCTV footage (shops, buildings)
Debris or paint transfer
Look for Witnesses
Even a short statement or contact number helps support your case
Not Down Any Details Your Remember
Partial plat number
Car colour or model
Direction of escape
Stay Protected with Drive+
Hit-and-run situations are unpredictable, but your car ownership experience doesn’t have to be.
With PolicyStreet, you can choose from three Drive+ membership tiers, starting from RM39.90, depending on how much you want to save.
Each Drive+ tier gives you a road tax discount every year:
Drive+ Lite: Up to RM50 off
Drive+ Standard: Up to RM90 off
Drive+ Premium: Up to RM120 off
Higher tiers offer bigger savings, making them especially worthwhile for drivers with higher road tax amounts.
Drive+ Membership Tiers and Bateriku Benefits
Beyond the headline savings, Drive+ comes with practical perks that make everyday car ownership easier.
One standout benefit is the RM40 Bateriku voucher you receive with every Drive+ renewal. This voucher can be used for car battery replacements through Bateriku, Malaysia’s on-demand battery service.
Typically, the RM40 value is structured as:
RM20 off a new battery
RM20 trade-in rebate
You can redeem it via the Bateriku app or at selected Bateriku service points. Drive+ vouchers can also be stacked with Bateriku promo codes available on their app or website (such as seasonal campaigns like CUTI40, subject to terms and conditions).
What Evidence Helps Strengthen Your Claim
The more proof you have, the better your chances:
Dashcam footage (strongest evidence)
Clear photos of impact and surroundings
Witness statements
CCTV recording from nearby premises
Consistent police report details
Note: Even partial evidence (partial number plate + dashcam clip) can sometimes be enough to track the driver.
Common Reasons Claims get Rejected
Late police report (after 24 hours)
Inconsistent statements
Lack of evidence
Suspicious damage patterns
What About Your NCD?
If processed as own damage claim, your NCD may be reduced
If the other driver is identified and proven at fault, your NCD is protected.
This is why evidence is everything in hit-and-run cases.
Be Ready for the Unexpected
A hit-and-run doesn’t automatically mean you’re left paying out of pocket, but you outcome depends heavily on what you do immediately after the accident.
Act quickly, gather as much evidence as possible, and ensure your report is accurate. With the right steps, you can still secure a fair claim outcome, even when the other driver is nowhere to be found.
Frequently Asked Questions
1. Can I claim insurance if I don’t know who hit my car?
Yes, but only under your own damage coverage. You’ll likely need to pay excess and may lose your NCD.
2. Is a police report compulsory for hit-and-run cases?
Yes. Without a police report, your claim is unlikely to be approved
3. What is the most important evidence in a hit-and-run claim?
Dashcam footage is the strongest evidence, followed by CCTV recordings nad witness statements.
