Motor Claims Framework
The Motor Claims Framework (MCF) was set up to provide clear and common procedures for the reporting of motor accidents. The MCF is fully supported by all insurers in Singapore. The MCF provides motorists with an enhanced claims experience and at the same time, helps contain claims costs for insurers.
MCF FAQs
Even if the parties agree to a private settlement, a report to the respective insurers is still required for record purposes.
If the other motorist is not cooperative in furnishing his particulars, you should still take down the vehicle registration number. The GIA reminds all motorists that according to the MCF all motorists now have to report to their insurers any accident, no matter how small.
The GIA introduces the 3 steps reporting process to make it easy for drivers to remember what to do in an accident. If the circumstances are such that it is impossible for the motorist to follow the 3 steps, insurers will give special consideration to the claim. Just as a reminder to everyone, the three steps are:
1) Exchange particulars and take note of vehicle numbers – riders can do this;
2) Call your insurer’s hotline for a tow truck – this may be applicable to riders in some cases;
3) Report and take your vehicle, damaged or not, to the approved reporting centre or authorized workshop within 24 hours – riders can do this in most cases.
If the other motorist is not cooperative in furnishing his particulars, the owner should still take down the vehicle registration number. For an accident involving a Malaysian vehicle, a police report is required.
Please refer to your own insurer on the terms and conditions of the policy you purchased from them.
Please refer to your own insurer on the terms and conditions of the policy you purchased from them.
The MCF states that the end of the next working day is the timeframe for reporting – meaning if the accident happens on a Saturday night, then Monday would be the next working day.
You will not be penalised for late reporting if you have a valid reason like the example cited above.
A memorandum of agreement would be a private matter between the two parties, but it would not alter the requirement under the MCF that both parties now have to make a report to their insurers. A memorandum of agreement should not supercede or be regarded as a substitute for this process.
The GIA reminds all motorists it is now their duty to report all accidents, no matter how small and regardless of whether or not there has been damage to their vehicle. The consequent impact on NCD and premiums are not affected by the MCF and will be determined by the outcome of the insurer’s investigations into the accident.
i) Our main concern is that as most of our hirers are foreigners, they would therefore be unfamiliar with this. And furthermore if the accident vehicle is still drivable, they would likely to report to us only when they return the vehicle to us which might be more than 24 hours after the accident. If this is the case, how would this affect us? Would the insurance company still extend coverage after the given 24 hour period?
Kindly refer to the terms and conditions of your insurance policies regarding your rental fleet. The 24 hour requirement will apply to all vehicles including rentals. We also encourage you to highlight this requirement to your hirer when he collects the car.
ii) It is also reported in the newspapers that in the event of accident, vehicle owners will contact the insurance companies and the insurers will make the necessary arrangements for the insured. Does this apply to us? If our hirers have an accident in Malaysia, what would the procedures be like?
Please check with your own insurer on the procedure for accident in Malaysia. Each insurer may have his own arrangements with towing companies in Malaysia.