Step-by-Step Reporting Guide
01
Safety First & Immediate Assistance
Ensure everyone is safe. Move vehicles to the side of the road if possible and call for emergency services if there are injuries. Contact our 24/7 support line for immediate towing assistance.
02
Exchange Information
Collect names, contact details, driver's license numbers, and insurance information from all involved parties. Note down vehicle registration numbers and models clearly.
03
Document the Scene
Take clear photos of vehicle damage, the surrounding area, and any relevant road signs or conditions. These visuals are critical evidence for your claim process.
04
Report to GIA Within 24 Hours
In Singapore, you must report the accident to the General Insurance Association (GIA) within 24 hours. Visit a MotorStop authorized reporting center to complete this step.
05
Lodge a Police Report (If Required)
A police report is mandatory if there are injuries, government property damage, or if the accident involves a foreign vehicle. Ensure you obtain a copy for your records.
06
Consult MotorStop Claims Team
Bring your documentation to our consultants. We will review your case, explain your coverage, and help determine the most favorable way to file your claim.
07
Finalize & Monitor Repairs
Once the claim is approved, our certified mechanics will begin repairs. We handle the direct billing with your insurer, keeping you updated until your car is back on the road.
Compliance & Documentation
Important Notes & Required Documents
According to GIA (General Insurance Association) regulations in Singapore, all accidents must be reported within 24 hours. Failure to do so may result in your claim being rejected or a reduction in your No Claims Discount (NCD).
Document Checklist
- Certificate of Insurance & Policy Document
- Driver's NRIC and Valid Driving License
- Detailed Accident Report (GIA Form)
- Police Report (if injuries involved or government property damaged)
- Photographs of scene and vehicle damages
- Third-party vehicle information and contact details
How long does the assessment take?
The actual inspection usually takes 15–30 minutes, but please allow up to an hour for the complete paperwork and photo documentation.
Do I need a police report?
In Singapore, police reports are only mandatory for accidents involving injuries, fatalities, damage to government property, or foreign-registered vehicles. For minor dents, an GIA report is sufficient.
Can I choose my own workshop?
This depends on your specific insurance policy. Most comprehensive policies allow for any workshop, but 'Authorized Workshop Only' policies may involve an additional excess fee if you use an outside shop.
Will my No-Claims Discount (NCD) be affected?
If you are found more than 20% liable for the accident, your NCD will likely be reduced by 30%. However, if you have NCD Protection, your first claim may not affect your discount.
Need Expert Support?
Disclaimer: MotorStop is an independent automotive consulting service. Information provided is for general guidance only and does not constitute legal advice or formal insurance advocacy. All claims are subject to individual insurer terms and conditions.