Car insurance is a must in Malaysian law and very important asset to have just in case you have an accident.
BANG !!..suddenly your car is at someone else car rear end. During such times we can say that all people panic. If you are a lady and alone it is best to stay calm and immediately call someone you can trust to the car scene. If the accident happens at night and you are alone, do not get down from the car. The most important thing is to stay calm. Here are some tips how car insurance in Penang can help you.
Here is what YOU should do…
- Stay calm it’s just an accident, look if you or your passengers are OK, people’s safety shouldn’t be compromised. Attend to the people that need your assistance and provide them with FIRST AID if needed.
- Come down and inspect the damages and show concern to the parties involved, it is just an accident and by all means no one wants it to happen thus yelling and cursing does not help. Inspect everything and talk to the people involved on what is the best ways in settling the matter. Do not argue with the parties at fault, it will merely create un necessary tension.
- Snap a few pictures with your camera phone or camera for references purposes and write down the following important details
All the car number plates involved and Contact number of the parties involved
- DO NOT AUTHORIZED PEOPLE YOU DO NOT KNOW TO TOW YOUR CAR. This is particularly important as it might create un necessary problems later. It is the best to call up your repairer or LHCG, we will advise you accordingly without obligation.
- If a settlement could not be reached, then we will be required to make a police report within 24 HOURS. No hurry as we feel that you should rest and calm yourself, making report during stress is not the best solution.
- Check your insurance coverage with your agent. We always advise our owners to keep a copy of our car registration card & insurance in the car for reference. Prepare the following documents before making a police report to ensure you won’t be trouble to return to the police station to submit documents.
Copy of registration card (both pages & must be updated)
Copy of insurance cover note or policy
Copy of owner’s NRIC & license
Copy of driver’s NRIC & license
- Send your car to your preferred workshop or you can just call LHCG for advice and we will brief you through the claiming process.
Do you know that LHCG is currently having a special promotion where you can get FREE car tow services anywhere in Penang island and extra 5% discount on your insurance registration? For more information check out the special promotion page.