Getting into a car accident is stressful enough the last thing you want is confusion about paperwork. One of the most common questions Malaysians ask is: “Do I really need a police report to claim insurance?” The short answer: Most of the time, yes. But there are a few exceptions. Let’s break it down clearly so you don’t risk getting your claim rejected.
Is a Police Report Mandatory for Insurance Claims in Malaysia?
Under Malaysian law, accidents must usually be reported within 24 hours. A police report is generally required for car insurance claims, especially if:
- There is a collision with another vehicle
- Someone is injured
- There is damage to public property (e.g. guardrails, signboards)
- You want to make a third-party claim
Failing to do so can affect your claim approval, result in fines and complicate liability (who is at fault) When Can You Claim Without a Police Report? There are limited situations where you might still proceed without one:
1. Minor Own Damage (Self Accident)
If no other vehicles involved, no injuries or only your car is damages; some insurers may allow an Own Damage claim without a police report. However:
- Approval depends on your insurer
- Strong evidence is required (photos, videos, timeline)
2. Windscreen Claims
This is the most common exception, cCracked windscreen from stone chips or debris and no accident involved. Usually, no police report is required.
3. Special Case Approval by Insurer
Some insurers may consider your claim if, however, this is not guaranteed and varies by insurer, you have solid proof, the situation is clearly explained and there is no suspicion of fraud
A police report is mandatory if:
- Accident involves another vehicle
- Someone is injured or killed
- Property is damaged
- You want to claim against another driver (third-party claim)
- There is a dispute about fault
Without a police report, your claim will likely be rejected.
Risks of Not Making a Police Report
Skipping a police report can lead to claim rejection, loss of No Claim Discount (NCD), fifficulty proving your case and possible legal consequences. In most cases, it is not worth the risk.
What to Do After an Accident (Quick Guide)
To protect your claim: Stay calm and ensure everyone is safe
1. Take photos or videos of:
- Damage
- Vehicles involved
- Road condition
2. Exchange details with the other driver
- Lodge a police report within 24 hours
- Notify your insurance company as soon as possible
The safest approach is always to lodge a police report to protect yourself and your claim.