It Was An Ac­ci­dent!

Driv­ing in Malaysia can be slightly nerve-wrack­ing what with the aver­sion to us­ing indi­ca­tors and run­ning red lights seem­ingly the norm. What should you do if you get into an ac­ci­dent while driv­ing here?

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Bang!

Karin Chan Oh no! You’ve got­ten into a car ac­ci­dent! Take deep breaths and re­main calm. Check your­self and your pas­sen­gers (if any) for in­juries. If your car can still move, turn on your haz­ard lights (see pic­ture above) and make your way to the side of the road. If you were hit by another car, that driver should be do­ing the same. If it’s a hit-and-run, try to record their li­cense plate num­ber, ve­hi­cle make and colour.

If your car can’t move, turn on your haz­ard lights and open the boot to sig­nify a car in dis­tress. Get out of the car. It may be worth hav­ing your pas­sen­ger walk back to alert the on­com­ing cars if your car is around a bend. Use the safety tri­an­gle from your boot if you have one. As­sess the dam­age done: if you see fuel leak­ing from the car, keep a safe dis­tance.

I Need Help, Please!

If you or your pas­sen­gers are badly hurt and/or if your car is badly dam­aged, call the emer­gency ser­vices. Try to take note of the kilo­me­tre num­ber (usu­ally on small mark­ers on the di­vider), name of the road or high­way, or any road signs iden­ti­fy­ing your lo­ca­tion. Do not move a badly in­jured per­son on your own un­less ab­so­lutely nec­es­sary as you may worsen the con­di­tion.

Don’t feel obliged to hire the first tow truck that shows up on the scene; try to have a trust­wor­thy con­tact on hand if pos­si­ble. If the ac­ci­dent is not ma­jor and another driver is in­volved, you may want to dis­cuss whether to set­tle the dam­ages with­out mak­ing a re­port or make a po­lice re­port within 24 hours (usu­ally for in­surance claim pur­poses). If you set­tle out-of-pocket, make sure to agree on a time­frame to re­ceive or send the money so that you can still make a re­port if nec­es­sary. Take pho­to­graphs of the dam­age done as proof.

The other driver may want an assess­ment done by their lo­cal work­shop. Don’t be afraid to ques­tion the amount and get a se­cond opin­ion if it seems un­rea­son­able. If you are driv­ing a rented car, call your car rental com­pany for ad­vice. You may need to for­feit your de­posit and more, if the com­pany deems the car un­us­able.

Re­port­ing For Claims

If you fail to reach a set­tle­ment, then head to the near­est po­lice sta­tion to make a re­port. For ac­ci­dents in KL, the

po­lice sta­tion is pre­ferred; for Se­lan­gor, it will be po­lice sta­tion. Make sure you have your driv­ing li­cense and per­sonal iden­ti­fi­ca­tion on hand, and note down as many details as pos­si­ble from the time the ac­ci­dent oc­curred to a de­scrip­tion of the driver. The of­fi­cer will record the re­port, take a photo of your dam­aged car and help you as­sess who was at fault.

Ap­ply for a copy of the re­port and find­ings, which will take one to two weeks. This re­port is needed for in­surance claims. You will get a phone num­ber to check on the sta­tus of your doc­u­ments and nom­i­nal pro­cess­ing fees may ap­ply.

Just For In­surance

Your in­surer may have a time limit for you to file a claim, so read your pol­icy care­fully and act ac­cord­ingly. You can ei­ther claim from your own in­surance com­pany or the other party’s com­pany. If you run into any dif­fi­culty with the other party, en­gage a lawyer for best rep­re­sen­ta­tion.

The claim from your in­surance com­pany must ex­ceed the ex­cess clause in your pol­icy, and the dif­fer­ence will be paid by the com­pany. If you are found to be not at fault, you will not for­feit your

Al­ways have your sup­port­ing doc­u­ments ready. If your car is be­ing re­paired at the in­surer’s panel work­shop, they will need a copy of the doc­u­ments too.

Petal­ing Street PJ State Claim Bonus. No

– This is the gen­eral lo­cal emer­gency num­ber cov­er­ing the po­lice, fire depart­ment, hos­pi­tal, civil de­fence and mar­itime en­force­ment.

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