What to Do if You Have a Car Accident in Malaysia?

Driving across the causeway into Malaysia is a common experience for Singaporeans. Whether it’s a weekend getaway to Johor Bahru or a longer road trip up to Genting, thousands of Singapore-registered vehicles enter Malaysia daily. However, being involved in a traffic accident in a foreign country can be stressful and confusing, especially when your car insurance Singapore policy is involved. Understanding the proper procedures and knowing how your motor insurance coverage works across borders is crucial for every driver.

This comprehensive guide walks you through exactly what to do if you’re involved in an accident in Malaysia, how your Singapore’s car insurance applies and the essential steps to protect yourself legally and financially.

Understanding Car Insurance Coverage in Malaysia

Before crossing into Malaysia, it’s essential to understand how your car insurance policy works beyond Singapore’s borders. Not all motor insurance policies provide the same level of coverage when you drive in Malaysia.

Compulsory Coverage Requirements

Singapore law requires all vehicles to have at least Third-Party Only (TPO) insurance that covers liabilities for death, or injury to third parties and damage to third-party property.

Most car insurance policies automatically extend Third-Party Only (TPO) coverage to West Malaysia and Southern Thailand (within 80km of the border) for third-party liabilities. If you’re planning a road trip in these areas, check that your motor insurance includes this clause so you can enjoy the same coverage as in Singapore.

Comprehensive vs Third-Party Coverage

While third-party coverage is mandatory, comprehensive coverage for your own vehicle may not automatically extend to Malaysia. Check your car insurance policy details:

Third-Party Only: Covers damage you cause to others but not damage to your own vehicle.
Third Party, Fire and Theft: Adds protection against fire damage and theft while in Malaysia
Comprehensive with Malaysia Extension: Provides full coverage including own damage but verify if the extension is in place.

Most comprehensive motor insurance policies require you to purchase an additional Malaysia extension or rider for comprehensive coverage to apply in Malaysia. Without this extension, you may only have third-party coverage even if you have comprehensive insurance in Singapore.

Immediate Steps at the Accident Scene

When accident occurs, your actions in the first few minutes are critical. Here’s exactly what you need to do:

Make Traffic Police Report
1. When your accident involves a foreign-registered vehicle, you must file a police report. This is mandatory under Malaysian law and must be done within 24 hours.
2. When it is safe to do so, and without moving your vehicle, take photos of the damage to all vehicles involved and the accident scene. Retain any in-car camera footage that shows how the accident occurred.
Document the Accident Thoroughly
1. Documentation is crucial for your motor insurance claim. Gather the following information:
2. Collect details from the other driver:
  - Full Name & Contact Details
  - Vehicle Registration Number
  - Driver’s License Number
  - Insurer Details
3. Capture evidence from the scene:
  - Photos of all vehicle damage from multiple angles
  - Photos of accident scene, including road conditions, traffic signs and lane markings
  - Skid marks, debris or any relevant evidence
  - Date, time and exact location of the accident
  - If you have a dashcam, save the footage immediately as it can be invaluable evidence.
Contact Your Car Insurance Company Within 24 Hours
1. Most insurers expect you to report an accident within 24 hours or by the next working day. Delays can impact your claim.
2. Call eazy’s 24/7 accident assistance (6333 2222) or find your authorised workshop under our car workshop directory which will advise on the claim process as well as vehicle towing arrangement to designated workshops.
3. If you decide to pursue a private settlement with the owner of the other vehicle, as there are no personal injuries and the damages are minor, you may do so and complete the Private Settlement Form for submission to your insurer for record purposes.
4. Bring all your documentation:
  - Malaysian Police Report
  - Photos & Evidence
  - Insurance details of both parties
  - Witness Statements

Final Thoughts: Be Prepared Before You Cross the Border

Accidents can happen anywhere, but being prepared makes all the difference. Understanding how your motor insurance applies in Malaysia and following the correct steps after an accident can help protect your finances, legal standing, and peace of mind.

To learn more about how we can assist you, please contact us today.