What to do in the event of a car accident?

Car accidents are unfortunate and stressful events. In the high-paced traffic of Singapore, it's especially important to know what steps to take in the event of a car accident. This guide aims to arm you with knowledge and help you handle the situation effectively and calmly.

If you're involved in a car accident, your immediate priority should be safety. If possible, move your car to a safe location, such as the side of the road, to avoid blocking traffic and causing additional accidents. Turn on your hazard lights to alert other drivers.

Check yourself and all passengers for injuries. If anyone is injured, dial 995 for an ambulance immediately. Remember that not all injuries are apparent immediately following an accident, so if symptoms appear later, seek medical attention promptly.

According to Singapore's Road Traffic Act, you are required to report the accident to your insurer within 24 hours or by the next working day, even if there is no damage or you have privately settled with the other party. Failure to report can result in a loss of your No Claim Discount (NCD) upon renewal.

Exchange necessary details with the other involved parties. This should include full names, contact information, insurance details, and vehicle descriptions (make, model, and year).

Use your phone to take photographs of the accident scene, which will be useful when you make an insurance claim. Include photos of the vehicles involved, their positions on the road, any visible damage, and any relevant road signs or markings.

Notify your insurance company about the accident as soon as you can. They will guide you through the claims process, which includes reporting the accident, getting your car repaired, and potentially claiming for personal injury if necessary.

If the accident is severe or if there's a dispute about who is at fault, you might want to seek legal advice. In Singapore, there are many law firms specializing in traffic accidents that can help you navigate the legal process.

If your car is not drivable after the accident, you'll need to arrange for a tow. Contact a reputable towing company in Singapore or a reliable car workshop to handle this, and remember to document any damage before your car is moved.

While no one wishes to be involved in a car accident, being prepared and understanding what to do if one happens is important. In Singapore, adhering to the rules and regulations will ensure a smooth process following the accident.

Remember, safety is paramount, and it's crucial to stay calm and collected in such situations. Your actions immediately following a car accident can have a significant impact on the reimbursement you may receive from the insurance company or even legal consequences.

Drive safely, stay vigilant on the roads, and ensure your vehicle is well maintained to minimise the risk of accidents. However, should the unexpected occur, we hope this guide will help you navigate the situation with confidence.