What to do first after an accident
If you are in an accident during a road trip, the first priority is safety. Then take photos of the scene, note the vehicle registration numbers, and contact your insurer as soon as possible. Bank Negara Malaysia’s motor claims guidance says to lodge a police report within 24 hours of the accident, and PIAM advises reporting as soon as possible, ideally within 24 hours when required by the policy.
Will a late police report automatically reject your claim?
Not automatically. The safer reading is that a late report can complicate the claim process, because insurers expect timely notification and documents. For comprehensive motor policies, Bank Negara Malaysia notes that consumers may use the OD KfK option to submit claims to their own insurer for road accidents, while PIAM says prompt reporting and supporting documents help keep claims moving.
What to do if you missed the deadline
1) File the police report anyway
Do it as soon as you can. The report is still a core document for auto insurance claims in Malaysia.
2) Notify your insurer immediately
Tell your insurer what happened, where it happened, and when it happened. PIAM and insurer guidance both stress early notification so the claim can be assessed properly.
3) Keep every proof
Save photos, dashcam footage, repair quotations, and any police or workshop documents. BNM’s motor claims materials and PIAM guidance both emphasise documentation.
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Frequently Asked Questions:
1. Is a police report needed for an auto insurance claim?
Yes. In Malaysia, the police report is a standard part of the motor claims process.
2. Can I file a police report online?
Some police reporting services may be available online in certain situations, but for motor claims you should follow the reporting steps required by the authorities and your insurer. PIAM and BNM still stress the police report as a key claims document.
3. What if I have comprehensive cover?
BNM notes that consumers with comprehensive motor insurance or takaful may use the OD KfK option to submit claims to their own insurer for road accidents.
4. What should I do immediately after a road-trip accident?
Move to safety, take photos, exchange details, file the police report, and contact your insurer without delay.
