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What to do if you have a car accident

What is meant to happen, will happen. If you involved in a car accident, here are the steps you need to take to deal with it.

The taught of getting into a car accident makes me scared. I'm writing this topic to share my experience with you guys how to deal with it. Yes! i have been into a car accident before this, happens around 2 years back. These steps can help you to make sure your car insurance is paid out.

See the damaged of my car..and sadly its TOTAL LOSS. It's means beyond repair. How sad I'm.




    1. Stay calm
Most people will be panic or shock, that's is normal reaction when they facing with unexpected situation. First thing that you have to do is to stay calm and check yourself, if you not severely injured, you can exit the car and check the damaged of your car and other party,BUT if you're alone and you're a girl. Please stay inside the car and call your emergency contact such as friend or brother.

    2. Move your car to the side of road
Move your car to emergency lane or side of the road to avoid traffic. Turn on hazard lights to alert other people on the road. 

    3. Exchange Information with other party
This is important. You have to take details of other vehicles and persons involved in the accident. This includes:
  • Car registration number.
  • Car model, model year and colour.
  • Driver’s Name, Address and Phone number.
  • Driver’s IC and Driving Licence number.
  •  Take pictures of the damage, and other details, like name of the road, time of the accident happens
  • Witnesses’ Name, Address and Phone number.
  
     4. Go to police station together
This to avoid other party cheat on you. If possible go to nearest traffic police station. You have to make report within 24 hours after the accident happen. You will need to fill in form and wait for police officer to investigate your case and police will give summons to the guilty side and you have to pay it within 1 month.

    5. Call your insurance company
All insurance company will provide you with hotline number, they even can towing your car to the nearest police station. In my case i need to physically go to their company to submit all the documents that they asked in order to claim my insurance.  All the towing cost will be cover by my insurance.

You will need:
  • Police report
  • Photocopy IC and driving licence
  • Insurance Cover Note
  • Picture of the accident(send by email)

    6. Have to follow up
You have to be firm to deal with them and keep following them about your case. It could take you a month to 5 months. Always have to call them, email them until they response to your inquires.

What happens now?
Once you’ve made the police report and submitted all the relevant documents to your insurance provider, a loss adjuster will be sent to evaluate the damages done to your car and conclude the amount of which you’re able to claim from them. Bear in mind that claiming from your insurance will also result in losing your no-claim bonus that you’ve accumulated, which means that you’ll have to start paying a higher insurance premium the following years. (credit to ringgit plus)

*Total Loss*
If your car's status Total loss mean it is beyond repair and you have to pay the balance of the loan lump sum after your car insurance pay their part. Let's say the market price for your current car is 28K but the insurance company cover only 25K which means you have to pay extra 3K in order to clear out your name from the loan.

The most important thing is keep calm and always consult with your insurance provider to know exactly your rights and coverage are when you stuck in these kind of situations. Like my case they offer to do everything but i have to pay 5K to them. Crazy! Hell no I won't pay that to them. You have to alert all the time and be smart okay guys. May God bless all of us.



If you’re unlucky enough to be involved in a car accident, here are the steps you need to take to deal with it quickly and smoothly.

Read more: https://www.which.co.uk/reviews/new-and-used-cars/article/what-to-do-if-you-have-a-car-accident - Which?
If you’re unlucky enough to be involved in a car accident, here are the steps you need to take to deal with it quickly and smoothly.

Read more: https://www.which.co.uk/reviews/new-and-used-cars/article/what-to-do-if-you-have-a-car-accident - Which?
If you’re unlucky enough to be involved in a car accident, here are the steps you need to take to deal with it quickly and smoothly.

Read more: https://www.which.co.uk/reviews/new-and-used-cars/article/what-to-do-if-you-have-a-car-accident - Which?
If you’re unlucky enough to be involved in a car accident, here are the steps you need to take to deal with it quickly and smoothly.

Read more: https://www.which.co.uk/reviews/new-and-used-cars/article/what-to-do-if-you-have-a-car-accident - Which?
Hi, I’m Nad.Full time librarian and part time blogger, not to mention that I develop S.O.S (save our space) The Digitalization of damaged books.

Comments

  1. rumit juga urusan nya tu.. Patut lah masa kami excident dulu suami malas nak pening2 kepala. Dia setuju je bila yang melanggar tu nak bayar semua kos baik pulih kereta.. Nasib baik yang langgar tu orang kaya. Hahah

    ReplyDelete
    Replies
    1. Aah kak, leceh tau..kalau boleh settle luar balai takpe la..senang, bayar pastu hantar repair je terus.

      Delete
  2. terima kasih di atas perkongsian..

    ReplyDelete
  3. Replies
    1. hahah sengal zumal! die time kne tu xmo nages..nnti da settle buat report baru ase nak nages ahaha..

      Delete
  4. Thanks for sharing your experience! This will help many dear. Stay safe stay aware stay smart

    ReplyDelete
    Replies
    1. Thank you for reading! appreciate it so much.

      Delete
  5. Harap2 dijauhi daripada kemalangan semasa memandu kenderaan

    ReplyDelete
  6. Semoga dijauhkan. Anyway, thanks for sharing.

    ReplyDelete
  7. These tips will definitely help me if an accident occurs to me...

    ReplyDelete
  8. allahuakahbar total loss terus..
    tabah ya and mudah2an Allah ganti dengan yang lebih baik..

    ReplyDelete
    Replies
    1. iyea..dugaan..insyaallah ada la kebaikan dlm semua tu

      Delete
  9. Allahu..kalau fiza dah tak tahu nak buat apa. good sharing.

    ReplyDelete
    Replies
    1. tu la..mse tu pon xtau ag nk buat ape..sbb claim insurance so kne g balai dulu

      Delete
  10. Bila eksident memang kena stay calm.. Kalau panik banyak yang akan kita terlepas pandang.. Pernah eksiden dan faham perasaan tu.. Bagus perkongsian AD nie..

    ReplyDelete
    Replies
    1. klo first time kan kita memang panic kan..AD dulu jadi blur

      Delete
  11. thanks for the share...mmg selalu berdoa agar xterlibat dalam mna mna kemalangan.....takut sangat...

    ReplyDelete
    Replies
    1. tu la pasal..lepas accident ritu terus jadi extra careful..xnak dah jadi lagi

      Delete

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