What to Do in a Car Accident in Singapore
A comprehensive step-by-step guide to help you handle road accidents properly, protect your rights, and ensure a smooth insurance claim process.
Emergency Numbers
Step-by-Step Guide
Ensure Safety First
Check yourself and passengers for injuries. If anyone is hurt, call for an ambulance immediately. Turn on your hazard lights and set up a warning triangle if available.
- Do not move injured persons unless there is immediate danger
- If the accident is minor and vehicles are obstructing traffic, move them to the side
- Stay calm and avoid confrontation with other parties
Call for Help if Needed
For accidents involving injuries, fatalities, damage to government property, or if the other party is uncooperative, you must call the police.
- Police: 999
- Ambulance: 995
- Non-emergency police: 1800-255-0000
Document the Scene
Take comprehensive photos and notes of the accident scene. This evidence is crucial for your insurance claim.
- Photograph all vehicles involved from multiple angles
- Capture the license plates clearly
- Take wide shots showing the overall accident scene
- Photograph skid marks, debris, and road conditions
- Note the time, date, weather, and lighting conditions
Exchange Information
Collect details from all parties involved in the accident. Be cooperative but do not admit fault.
- Driver names and NRIC/passport numbers
- Contact numbers
- Vehicle registration numbers
- Insurance company names and policy numbers
- Names and contacts of witnesses
Report to Your Insurer
Notify your insurance company within 24 hours of the accident. Most insurers have 24/7 hotlines for accident reporting.
- Call your insurer's accident hotline immediately
- Provide all documentation and photos collected
- Follow their instructions for repairs and claims
- Keep copies of all documents submitted
File a Police Report (if required)
You must file a police report within 24 hours if required by law or your insurance policy.
- Report online at www.police.gov.sg for non-injury accidents
- Visit a police station for accidents involving injuries
- Obtain a copy of the report for your insurer
Documentation Checklist
Proper documentation is essential for a successful insurance claim. Use this checklist to ensure you capture all necessary information.
Important Warnings
Never Admit Fault
Do not apologize or admit liability at the scene. Let the insurers and authorities determine fault based on evidence.
Do Not Sign Blank Documents
Never sign any blank forms or documents. Read everything carefully before signing.
Beware of Touts
Do not engage with unlicensed tow truck operators or workshop touts at the scene. Use your insurer's authorized providers.
Report Within 24 Hours
Failure to report to your insurer within 24 hours may affect your claim. Report even for minor accidents.
Additional Tips
Keep Your Documents Ready
Always carry your driving license, vehicle registration, and insurance documents in your vehicle. Consider keeping a printed copy of your insurer's emergency hotline in your car.
Install a Dashcam
A dashcam provides valuable video evidence that can help establish fault and support your insurance claim. Consider installing one that records both front and rear views.
Know Your Policy
Familiarize yourself with your motor insurance policy coverage, exclusions, and claims procedures before an accident happens. Understanding your coverage helps you make informed decisions at the scene.
Need Help with a Claim?
If you have been involved in an accident and need assistance with your insurance claim, our team is here to help guide you through the process.