GoBear is now part of Finder

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

What to do after a car accident

Here's a step-by-step guide in case you find yourself in this unfortunate situation.

Have you been involved in an accident and not been sure what to do? This guide provides a list of steps to follow if you’re ever in a motor vehicle accident, from securing the scene through to making a claim with your car insurance provider.

If anyone is injured, call 995 immediately for an ambulance.

Steps to take after being involved in a car accident

1. Secure the area

2. Collect information

3. Call your insurer

4. Take care of your vehicle

5. Make a claim

6. Post-accident recap

Secure the area

After you’ve stopped safely and have switched off your engine, try to remain as calm as possible before taking the following steps:

  • Do you or anyone else require medical assistance?
    • Apply first aid if you know how and make the person comfortable
    • If spinal or head injuries are suspected, don’t move them under any circumstances and wait for the ambulance to arrive
  • Is the surrounding area safe? Make the area safe to prevent another accident from occurring. Secondary accidents account for many of the accidents that occur on Singaporean roads.
  • Is the car safe? Make sure that there are no hazards such as leaking fuel or debris lying on the road.
  • Is the car still running? Make sure engines are switched off.
  • Can you move the vehicles? If it’s safe to do so, you should move the vehicles involved in the accident to the side of the road and put on your hazard lights.
  • Have you called the police? Call the police on 999 if someone has been injured or if there is third-party property damage where the owner is not present. The police should also be notified if there is any suspicion of drugs or alcohol being involved in the accident. If necessary, you can lodge a police report through the police’s e-Traffic Accident Report service; or at your nearest police station.

Collect information

The next step is to exchange details with other drivers involved in the accident. Details you should exchange include:

  • Full name
  • Residential address
  • Mobile phone number
  • Driver’s licence number
  • Registration number
  • Insurance details (including name of insurer and policy number)

Ideally, you’ll have a notepad and pen in your glovebox for this purpose. You could also take notes on your phone. Some insurers also now have mobile apps to help with the accident-recording process.

If you have your mobile phone, take photos of the accident scene. As well as the scene itself, these pictures should include the damage to your car, damage to other vehicles and any third-party property damage.

Call your insurer

If possible, call your insurance company from the accident scene. They will be able to talk you through the process and advise you of your next steps. You will usually be advised to not admit liability to anyone.

This is because you may be in a state of shock or may not be fully aware of the circumstances of the accident. It is not up to you or anyone else at the scene to determine fault, which should be left to the police and insurance companies to decide at a later date.

Even if no one is hurt or the damage is only minor, you should still report an accident to your insurer. This is in case the other party involved decides to make a claim against you, or you develop an injury or discover further damage to your vehicle at a later date.

You’ll want to let your provider about your accident within the amount of time set out in your car insurance policy documents. Often this is within 24 hours. If you fail to do so, it could invalidate your claim.

Claims contact numbers for some Singaporean car insurance companies

BrandContact number
NTUC Income claims contact number6788 6616
Budget Direct claims contact number6221 2199
FWD Insurance claims contact number+65 6820 8888
Aviva claims contact number+65 6333 2222
Etiqa claims contact number+65 6887 8777
Sompo claims contact number6461 6555
AXA Insurance claims contact number1800 880 4888

Take care of your vehicle

If your vehicle is damaged, you will need to determine whether it is roadworthy before driving it away from the scene of the accident. Damage may be obvious in the form of a flat tyre or punctured radiator, but other damage may be harder to determine, such as steering or brake problems. Check your vehicle over thoroughly before driving it. If there is any doubt about its roadworthiness, do not drive it away from the scene.

If your vehicle is not driveable, tow trucks attending the accident may try to convince you to let them take your vehicle to a panel shop they are affiliated with. Do not let yourself be talked into anything you don’t understand or trust. Under no circumstances should you sign a contract, as it may be committing you to having your vehicle repaired at a particular panel shop.

Ask your insurer what you should do. You will generally be directed to an approved panel shop, which the tow truck should take your vehicle to.

Making a claim

The final step after an accident is to make a claim with your insurance company. If your vehicle was towed to a panel beater approved by your insurer, repairs will usually be authorised fairly quickly.

On the other hand, if your vehicle is driveable after the accident and only needs minor repairs, your insurer may require you to obtain at least two quotes (sometimes three) from different panel shops, from which they will choose the lowest quote.

Whether you choose to make a claim at all will depend on the cost of repairs compared to any excess you must pay (the amount you must contribute to a claim) and the effect a claim would have on your no-claim bonus.

Post-accident recap

The main things to ensure after an accident include making sure:

  • The area is secure and everyone is safe
  • Those who are injured are attended to and an ambulance is called
  • The police are called if necessary
  • Your insurer is contacted as soon as possible
  • Everyone involved exchanges information

Get a quote for car insurance

Name Product Accidental Damage Roadside Assistance New Car Replacement Choice of Repairer Guarantee on Repairs
Direct Asia Comprehensive Cover Car Insurance
Direct Asia Comprehensive Cover Car Insurance
Yes
Optional
Yes
Optional
Lifetime repair guarantee
Receive S$100 worth of Shell fuel (or 3,000 Shell Escape points) plus free 24 Hour Breakdown Assistance when you insure your car. T&Cs apply. Ends 31 July 2022.
Budget Direct Insurance Comprehensive Car Insurance
Budget Direct Insurance Comprehensive Car  Insurance
Yes
Optional
Yes
Optional
12-months repair guarantee at authorised workshops.
Receive up $120 NETS FlashPay card when you purchase a new 12-month comprehensive car insurance policy online. Use promo code 'CHILL'. T&Cs apply. Ends 31 Dec 2021.
Get an additional 5% off by using Affinity ID 'FDRSAVE'.
FWD Comprehensive Cover Car Insurance
FWD Comprehensive Cover Car Insurance
Yes
Yes
Yes
Yes
Yes
Use the promo code: FINCAR to get 20% discount when you purchase a Classic plan, or 25% discount for an Executive & Prestige plan. Ends 12 December 2021. T&Cs apply.
98.9% of Car insurance claims approved. Lifetime 50% NCD Guarantee.
Income Drivo Premium Car Insurance
Income Drivo Premium Car Insurance
Yes
Optional
No
Yes
N/A
Get unlimited third party liability and unlimited windscreen cover. Plus, choose your preferred workshop for repairs or maintenance.
Direct Asia Third Party Fire and Theft Cover Car Insurance
Direct Asia Third Party Fire and Theft Cover Car Insurance
Yes
Optional
Yes
Optional
Lifetime repair guarantee
Receive S$50 worth of Shell fuel (1,500 Shell Escape Points) when you insure your car. T&Cs apply. Ends 31 July 2022.
Budget Direct Insurance Third Party Fire and Theft Car Insurance
Budget Direct Insurance Third Party Fire and Theft Car Insurance
Third party fire and theft only
Optional
No
Optional
12-months repair guarantee at authorised workshops.
Loss or damages to your car by fire or theft - up to your car's market value. Plus, unlimited cover for injury or death to others.
Budget Direct Insurance Third Party Only Car Insurance
Budget Direct Insurance Third Party Only Car Insurance
Yes
Optional
No
No
12-months repair guarantee at authorised workshops.
Receive $20 in shopping vouchers when you refer a friend. Your friends will each get 5% off any policy they purchase. T&Cs apply.
Get an additional 5% off by using Affinity ID 'FDRSAVE'.
Direct Asia Third Party Only Car Insurance
Direct Asia Third Party Only Car Insurance
Yes
No
Optional
Optional
Lifetime repair guarantee
Receive S$50 worth of Shell fuel (1,500 Shell Escape Points) when you insure your car. T&Cs apply. Ends 31 July 2022.
Income Drivo Classic Car Insurance
Income Drivo Classic Car Insurance
Yes
Optional
No
No
N/A
Unlimited third party liability, up to S$5 million in damages to third party property, up to S$1,000 in medical expenses.
loading

Compare up to 4 providers

More guides on Finder

Ask Finder

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy Policy and Terms.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site