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Things to do in the event of a car accident
As a driver, I believe most of us would have encountered an accident at least once in our life time. An accident is sudden and sometimes our minds would go blank at the moment. Hopefully, the following tips will help you to handle such unfortunate events better.

STEP 1 # pix1 Compose yourself and stay calm. Take a deep breath if you must.
An angry person does not make wise decisions most of the time.
STEP 2 # pix2 If someone is injured and require medical attention, call the police and an ambulance at 995.
STEP 3 # pix3 Take down the names, NRIC numbers, addresses and telephone numbers of the all the parties involved. Provide your particulars as well.
STEP 4 # pix4 Take photographs of the positions of the cars, damage on cars and tire skid marks on the road if any. A camera phone would come in very handy.
STEP 5 # pix5 If possible, move the vehicles to the road side so as not to obstruct the traffic.
It is safer as well.
STEP 6 #   A police report should be made if:
a) the accident involves a government or foreign vehicle
b) damage is done to government property
c) the accident results in an injury requiring hospitalization or medical leave of 3 days or more

In general, no police report is needed.

STEP 7 # pix7 To claim from your insurance company, do check out their procedures for survey and repair. If the other party is the cause of the accident and you would like to make a third-party claim, you will need to let the third party’s insurer inspect the car before sending it for repair. You will be compensated for the loss of use of your car during the inspection period. If the damage is not great, you might want to resolve the matter under the table as it may not be worthwhile to make the claim. Also take note that any damage below the excess amount is not claimable.
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