Met with a Traffic Accident?
Step-by-Step Guide: What to Do After an Accident in Singapore
 

1. Ensure Safety

   • Stop the vehicle immediately, even if the accident is minor.

   • Turn on your hazard lights to alert other drivers.

   • Move to a safe area (if possible), but do not leave the scene of the accident.

2. Check for Injuries

   • Check yourself, passengers, and others involved for any injuries.

   • Call 999 (Emergency) if there are serious injuries or if emergency help is needed.

3. Call the Police (If Required)

   • Police report is mandatory if there are injuries, damage to public property, or if the accident involves a hit-and-run.

   • Police will also assist if the other driver is uncooperative.

4. Exchange Information

   • Exchange details with the other party:

     • Full name, NRIC, address

     • Driver’s license number

     • Vehicle license plate number

     • Insurance details (company, policy number)

   • Take photos and retrieve dash-cam video immediatly of the accident scene, damage to vehicles, and any relevant details (license plates, road conditions, etc.).

5. Do Not Admit Fault

   • Avoid admitting fault or making statements that could be used against you later. Simply provide facts to the authorities and insurance companies.

6. Report the Accident to Your Insurer

   • Notify your insurer as soon as possible (within 24 hours or as stated in your policy).

   • Provide your insurer with:

     • Details of the accident

     • Police report (if applicable)

     • Photos, witness statements (if any), and other supporting documents.

7. Motor Claims Framework (MCF) Process

   • If your accident is covered by the Motor Claims Framework, your insurer will guide you through the process.

   • You can choose a preferred repair workshop from your insurer’s approved list, or one that’s part of the framework.

   • The insurer will handle the repairs and payment directly to the workshop, with no upfront payment needed (for most repairs).

8. Repair Process

   • Take your vehicle to the approved repair workshop.

   • The workshop will assess the damage and send the claim to your insurer for approval.

   • Repairs will be covered by your insurance as per the terms of your policy.

9. Keep Track of the Claims Process

   • Follow up with your insurer for any updates or if you need more information about your claim.​

​​

​

Quick Tips:

• Always keep your insurance documents and driver’s license handy in case of an accident.

• If you are unsure about the claims process, contact your insurer for clarification.

• For minor accidents, the Motor Claims Framework helps simplify the process with designated repair workshops.

​