Understanding Third-Party Insurance
Third-party insurance only covers losses or damages to the other party in your accident. Includes remuneration for:
Injury or death to others
Damage to third-party property like vehicles and structures
This coverage does not cover car damage or personal injury. Knowing how to submit a third-party claim is vital.
Step 1: , gather evidence at scene
After an accident, be cool and ensure everyone is safe. Get medical help if needed. Next, gather crucial proof for your claim:
Vehicle damage, road conditions, and environment photos.
Vehicle number plate, model, and color of the opposite party.
Name, phone number, IC number, driving license, insurance company of third party.
If possible, get witness statements. These will strengthen your case.
Step 2: Report to Police Within 24 Hours
Road accidents in Malaysia must be reported to the nearest police station within 24 hours or to the local police traffic department. Detail and accurately describe the accident. You should receive:
Police report copy
Police sketch plan or inquiry report
Accident fault classification
Police reports are crucial to culpability determination. The victim might submit a third-party claim against the at-fault driver’s insurance.
Step 3: Send Car to Panel Shop
Send your car to an approved workshop, ideally a panel workshop recognized by your insurance provider, even though you are claiming against the other driver’s insurance. This ensures:
Genuine damage assessment
Proper claim documentation
Effective workshop-insurer communication
Repair estimates and images are normally sent to the insurance by the workshop.
Step 4: File Third-Party Claim with At-Fault Insurer
Prepare and submit these documents:
Original and copy police report
If available, police investigation results
Accident scene and car damage photos
Insurance policy and cover note copy
Copy of vehicle registration card (grant)
Workshop estimates for repairs
Copy of NRIC and driver license
Send these papers to the at-fault party’s insurer personally or through your workshop. Online claims are available from several insurers’ portals.
Step 5: Work with Adjusters and Follow Up
After submitting your claim, the insurer will send a loss adjuster to assess and validate vehicle damage. Prepare to answer and present proof. After inspection, the insurer will accept or deny repair expenses. Workshop repairs will commence if authorized. To track your claim, check up with the workshop and insurance often.
Step 6: Get Your Repaired Car
After repairs are done and insurance and workshop payments are made, you can pick up your car. Make sure repairs are done well. If you’re unhappy with the decision or delays, you can raise your complaint to BNM or FMB for dispute resolution.
Conclusion
You may easily file a third-party insurance claim in Malaysia. Staying calm, collecting evidence properly, filing precise facts, and following up can help you recover damages from another motorist. Remember the golden rules: report the accident within 24 hours, gather enough documentation, and preserve a copy of all filed documents. This step-by-step knowledge will help you handle unforeseen road events and safeguard your road user rights.