What to do after a car accident: A step-by-step guide

Getting into a car accident can be a stressful and overwhelming experience, whether it's a minor fender bender in a carpark or a more serious collision on the expressway.

In the heat of the moment, it's easy to panic or forget what needs to be done. However, knowing the right steps to take can help protect your safety, simplify the insurance claims process and reduce unnecessary stress.

If you're ever involved in a car accident in Singapore, here's what you should do.

Stay calm and check if anyone is injured

Your first priority should always be the safety of everyone involved.

Check yourself, your passengers and the occupants of the other vehicle for injuries. 

If anyone is hurt, call 995 immediately for an ambulance. If the accident is serious or poses an immediate danger to other road users, contact the relevant emergency services as well.

If it's safe to do so, switch on your hazard lights and move yourself to a safe location away from moving traffic.

Move your vehicle if it's safe

For minor accidents where the vehicles are obstructing traffic, move them to the side of the road if it is safe to do so.

However, if there are injuries, significant damage or moving the vehicles could create additional risks, leave them where they are until it is safe or you receive further instructions from the authorities.

Always prioritise safety over convenience.

Exchange particulars with the other driver

Remain calm and exchange the necessary information with the other party.

Be sure to collect:

• Full name
• Contact number
• NRIC or FIN (where appropriate)
• Vehicle registration number
• Insurance company

Avoid arguing or admitting fault at the scene. Determining liability should be left to the insurers and, where necessary, the relevant authorities.

Take photos and videos of the accident

The more evidence you have, the smoother the claims process is likely to be.

Take clear photos or videos of:

• Damage to all vehicles involved
• Vehicle registration numbers
• The positions of the vehicles
• Road conditions
• Traffic signs and lane markings
• Any skid marks, debris or relevant surroundings

If there were any witnesses, ask whether they're willing to provide their contact details as well.

Report the accident to your insurer

Even if the damage appears minor or both parties agree to settle the matter privately, you should still report the accident to your insurer within the required reporting period under your policy.

Failing to report an accident could affect future insurance claims or even your policy coverage.

When in doubt, it's always better to report the incident.

Follow your insurer's claims process

Before sending your vehicle for repairs, contact your insurer and follow their instructions.

Depending on the circumstances, your insurer may arrange for an inspection or direct you to an authorised workshop. Following the proper claims process can help avoid unnecessary delays or disputes later on.

What you should avoid after an accident

Just as important as knowing what to do is knowing what not to do.

After an accident, avoid:

• Leaving the scene without exchanging particulars
• Admitting fault or accepting blame immediately
• Arguing with the other driver
• Forgetting to take photos and videos
• Delaying the accident report to your insurer
• Repairing your vehicle before following your insurer's instructions

Keeping a clear head and following the proper procedures can make the situation much easier to handle. 

Frequently asked questions

Do I need to report a minor car accident in Singapore?

Yes. Even if the damage is minor or both parties agree to settle privately, you should still report the accident to your insurer in accordance with your policy requirements.

Should I admit fault after a car accident?

No. Stay calm, exchange particulars and gather evidence. Liability should be determined through the appropriate claims process.

Can I repair my car immediately after an accident?

It's advisable to contact your insurer first and follow their claims procedures before arranging any repairs.

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This article was first published in Motorist.