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Shock suffered by the driver involved in an accident often results in confusion. This could lead to a state of mind wherein you are not sure what you are supposed to do next. Here are some important tips to keep in mind:
For non-injury accidents, you are not required to make a police report but you will still need to complete and submit the GIA MAR Form to your insurer as soon as possible. The GIA MAR Form is available from your insurer.Along the way, if you receive any Writ of Summons, Traffic Summons or any other correspondence from third parties, inform andprovide full details immediately to your insurer.
A. For comprehensive policies:
You should contact your insurance company as soon as possible. You would be required to complete and return a Motor Accident Report form. The insurance company may also require you to send your damaged vehicle to a specified workshop for repairs (this may be stated in your insurance policy). The insurance company would appoint an independent adjuster to assess the damages to your vehicle and negotiate the repair costs with the motor repairers. Once this is agreed, the insurance company would authorise the repairs. After repairs have been completed, you should check that it is to your satisfaction before signing a satisfaction voucher and take delivery of the vehicle. The motor repairers would require you to settle with them any Excess which you have to bear, before releasing the vehicle to you. The balance of the repair costs would be billed direct to the insurance company. Should you find any problems with the repairs done, it should be referred to the motor repairers without delay. Your insurance company should also be advised so that they may withhold payment of the repair bill until the problem is resolved.
B. For a third party motor insurance claim, that is, where you are making a claim against the other party:
You must notify your insurance company that there has been an accident. You should then, on your own accord, contact the third party. The third party’s insurer will be informed by their insured on the matter and they will require you to provide full details of the accident and may send a surveyor to assess the damage to your vehicle. Upon completion of its investigation, the insurance company would make an offer to settle the claim if it is a legitimate claim. If you accept, you would need to sign a claims discharge form indicating your acceptance.To note: You should provide, as soon as possible, all information at your disposal to the questions that are raised by the insurance company as this would facilitate the claims department in processing the claim.
Aggie Krasnolucka
is Programmes Director at the FIA Foundation where she looks after its portfolio of road safety interventions as well as leads the Motorcycle Initiative – a global hub of interventions working towards improving motorcycle safety across areas of helmet safety, infrastructure, technology, and legislation.
Previously, she worked across different areas of the international development context including community outreach and engagement, road safety, access to health, private public partnerships as well as fundraising and communications. Aggie holds a master’s degree in social anthropology as well as linguistics and literature.
Professor Wong
is currently a Full Professor at the Department of Mechanical & Manufacturing Engineering, University Putra Malaysia. He has been serving the department and the University since 1997. During his service, Professor Wong was seconded to Malaysian Institute of Road Safety Research (MIROS), a Statutory Body in Malaysia (with MIROS Act 2012) and a national research institute in Malaysia in December 2007 as the Director of Vehicle Safety and Biomechanics Research Centre. He was then appointed as the Director-General of MIROS in August 2011. His 10-year secondment to MIROS ended in September 2017 and was appointed to be the MIROS Board Director. In February 2022, Professor Wong is appointed as the Chairman of MIROS Board of Directors. Professor Wong is also appointed as an Adjunct Professor of Qatar University. He served as the Special Advisor on Road Safety to the Minister of Transport and Communications Myanmar till 2021. He was appointed to serve in the Steering Committee of the United Nations Road Safety Fund from 2022 to 2024. Recently Professor Wong was appointed as the Fellow of the Academy of Science Malaysia.
Professor Wong has driven the drafting, deliberation and enactment of MIROS Act 2012 by the Parliament of Malaysia. He is also directly and indirectly involved in establishing numerous national and international initiatives and interventions in Road Safety, amongst them are rear seatbelt law, national implementation framework of UN WP29 Regulations, enforcing various UN Regulations on Road Vehicles, airbag fitment, ASEAN New Car Assessment Programme (NCAP), International Road Assessment Programme (iRAP) for Malaysia, Guideline for Road Safety Audit, Code of Practices for Transport Sector under OSHA Malaysia, ISO39001 road traffic safety management systems and the competence requirements for auditing and certification in ISO17021-7, Pilot implementation of ISO39001 in Malaysia, use of electric cars, motorcycles and bicycles, in-depth crash and accident database, Automated Enforcement System, Mandatory of Electronic Stability Control System, Revision of Drive Under Influence, Malaysian Accident Emergency Call Systems Initiative, Endorsement of 2015 ASEAN Declaration on Road Safety Strategy by ASEAN Transport Ministers, road safety recommendations to the Government of Myanmar with in-Country Expert Mission to Myanmar, and many others.
Mr. Michihiro Toki
is a seasoned mobility and road safety expert with over 25 years at the Japan Automobile Federation (JAF). He currently serves as Manager of the Project Development Division in JAF’s Traffic Environment Department, leading national road safety campaigns and sustainable mobility initiatives.
Mr. Toki began his career in 1998 as a roadside assistance patrol officer, gaining hands-on experience with the diverse challenges faced by drivers in Japan. He transitioned to membership promotion in 2006, working with automotive dealers to expand JAF’s member base.
In 2018, he assumed a leadership role at the branch level, overseeing road safety, motorsports, and public relations. As a JAF Certified Safety Advisor, he delivered safety lectures, managed motorsport activities, and led public outreach. Promoted in 2021 to Section Manager, he expanded his role to include Safety Advisor training, PR strategy, and membership benefit development.
Appointed to his current position in 2024, Mr. Toki now directs the training of Safety Advisors nationwide and develops interactive programs for diverse audiences, including international drivers. He collaborates with government and industry partners to tackle traffic safety issues.
Beyond JAF, Mr. Toki serves on national bodies including the Sub Study Group for Advanced Safety Vehicles (MLIT), the Cabinet Office’s Traffic Safety Forum, and as Vice-Chairman of the Training Commission at the Japan Automobile Education Foundation.
Mr. Toki is recognised for his dedication to public safety, his strategic leadership in mobility initiatives, and his deep commitment to enhancing the driving culture in Japan.
Mr. Tay Chay Sim
Mr Tay Chay Sim Senior Technical Consultant and Trainer AAS Academy Mr Tay Chay Sim is the Senior Technical Consultant and Trainer for AAS Academy, a wholly owned subsidiary of Automobile Association of Singapore where he conducts and leads the training team in delivering safe driver courses to all classes of drivers, including private and commercial drivers.
He has been professionally awarded international accreditations from International Road Transport Union (IRU) Academy, The Royal Society for Prevention of Accidents (RoSPA), DriveTech UK and Institute of Adult Learning, Singapore. He is a certified MORRTM (Managing Occupational Road Risk) auditor by RoSPA.
Chay Sim is an advocate for continuous learning on safe driving. With over 20 years of experience in the automobile industry, Chay Sim is also known for his strong technical expertise and contributes his knowledge to print and media publications. He is effectively bilingual and has made appearances on TV shows and guest panel speaker to events and seminars. Prior to joining AA Singapore, Chay Sim worked with the SMRT Corporation and PSA Singapore on mechanical and electrical services as well as vehicle maintenance and repairs services. er AAS Academy