Road accidents continue to be a major concern in Malaysia. Between January and October 2024 alone, Malaysia recorded over 530,000 road accidents, resulting in 5,364 fatalities. If this trend continues, the total number of accidents could surpass the 598,635 accidents reported in 2023.
Given these alarming statistics, knowing what to do after an accident can make a significant difference. Being prepared helps prevent unnecessary stress, ensures a smoother claims process, and protects your rights.
On that note, Liberty General Insurance would like to share the four biggest mistakes drivers make after an accident.
Mistake 1: Failing to Contact Their Insurer First
Delayed notification makes it difficult to verify accident details and increases the risk of penalties for late reporting to authorities.
Mistake 2: Engaging Accident Touts / Towing Syndicates / Unscrupulous Middlemen
Falling for persuasive talk and authorising unethical operators to handle their vehicle which leads to complicated procedures, inflated costs, and substandard repairs.
Mistake 3: Forgetting to Collect Key Evidence
Photos of the scene, third-party information, witness details, and vehicle damage are essential but often overlooked in chaos following an accident.
Mistake 4: Providing Conflicting Statements and Admitting Fault Too Quickly
In the aftermath of an accident, confusion can lead to inconsistent accounts given to the insurer, police, or medical professionals. These inconsistencies can contribute to guilt or nervousness and often lead drivers to admit faults prematurely.
The mistakes above can negatively impact your claim, reducing your compensation or even voiding your coverage.
So, what to do after an accident?
- Don’t Panic: Stay calm and contact your insurer immediately for hassle-free roadside assistance services.
- Beware of Unauthorised Tow Trucks & Middlemen: Only engage approved towing services to avoid unnecessary complications.
- Gather Evidence: Take photos, note details, and collect witness statements.
- Opt for Insurer-Approved Repairs: This ensures guaranteed workmanship and warranty for your vehicle.
- File a Police Report Promptly: Reporting the accident within 24 hours helps ensure a smooth claims process and prevents potential disputes.
Managing the Aftermath with Confidence
Navigating an accident can be overwhelming, but with Liberty General Insurance’s Vehicle Accident Management (VAM), the process becomes much simpler. As part of Liberty’s Motor Claims Service, VAM ensures fast, efficient claims handling—from damage assessment to resolution—so you experience less stress and fewer delays.
Here’s how Liberty’s claim centre can help simplify the claims process:
- Authorised Towing Services: Safe, reliable, and insurer-approved towing to the assessment centre or preferred repairers.
- On-the-Spot Damage Assessments for Third-Party Property Damage (TPPD) Claims: Third-party claimants can now bring their vehicles to Liberty’s Vehicle Assessment Center for immediate assessment of damages.
- Fast-Tracked Third-Party Claims: Liberty’s experienced loss adjusters will assess damages on-site and determine repair costs without delays. It also reduces waiting time where third-party claims can be attended to immediately.
- Instant Windscreen Repairs & Replacements: On-site specialists provide same-day repairs or replacements, as well as quick inspection, documentation, and processing to minimise disruptions.
- Expert Repairs: Repairs at insurer-approved workshops with guaranteed workmanship and warranty.
- Faster Approvals & Transparent Claims Process: Advanced claim assessment tools help expedite approvals for various motor claims, including Own Damage, Express Claims, Third-Party Property Damage (TPPD), and Windscreen Claims. There will also be expert guidance to prevent unnecessary admissions or complications during the claims process.
Being prepared and taking the right steps after an accident can make a huge difference in ensuring a smooth resolution. Staying calm, gathering evidence, and working with trusted service providers can help protect your interests and speed up the recovery process.
