Your mind is probably whirling with thoughts after an accident. It’s stressful- but if you stay calm and recall all the important steps after, can help the situation and claims process pass much easier.
If this is the first time you are making a claim, click on some of our other articles ‘My First Car Accident Experience’, ‘Letter to Reader : Tips 101 on Making Claims’ or ‘Met an Accident… But How Do I Claim Insurance’ to read them.
I was involved in a car accident recently but wasn’t at fault. Obviously, I went to make a claim against the other driver for the cost of repairs and damages caused, only to find they hadn’t made a police report. I thought I’d share my experience here in case it happens to you, so you’ll know what to expect or do next.
An additional document required
After I’d submitted all the regular required documents to my insurer, I was told that the third-party driver had not made a police report! As a result, there was no Police Outcome (Keputusan Kes), and I had to write a Statutory Declaration to their insurer.
A Statutory Declaration is needed to declare and confirm that you aren’t at fault and the information given to the police is true. Without a third-party police report, the policeman (or woman!) in charge can decide not to issue the Police Outcome (Keputusan Kes), which could then delay the entire claim process.
Documents to submit to third party insurance company
Next, I had to submit the following documents to the third-party’s insurance company:
- A Police Report
- A Statutory Declaration
- A Copy of Vehicle Registration Card
- A Copy of Identification Card
- A Copy of Driving License
- A Letter of Demand
- Some Photos of Car Accident Scene
After passing these documents over, my insurance company could finally begin processing my claim, updating me with the progress until it was done.
Anyway, lesson learnt. Never assume that the third-party driver at fault will notify the police or their insurance company of the accident. If they don’t, be prepared to write a Statutory Declaration and pass the required documents to their insurer.