How to make a motor personal accident insurance claim

How to Make a Motor Personal Accident Insurance Claim


Car accidents can happen, even to the most careful driver. Along with your car - which you have car insurance for - there are ways to protect your life as well as those riding with you, in the form of a Motor Personal Accident cover, also known as Drivers and Passengers Personal Accident (DPPA).

Think about this. If you are involved in a car accident and sustained injuries that requires attention, you’ll have to face up to costly medical expenses, that are not compensated under your car insurance cover.

Here’s where a motor personal accident cover comes in. Motor Personal Accident is the best shield against heavy financial losses in case a motor accident occurs to you.

This guide walks you through making a Motor PA insurance claim, the steps you need to follow to ensure your insurance claim is successful, and what happens after you make a claim.


Injured leg at the hospital
Picked up a leg fracture from your car accident? Your motor personal accident insurance can help you


I got into an accident, how do I file a Motor PA claim?

Filing a claim against your insurance company can be daunting if you are not familiar with the procedure. That's what the Bear is here for. Check out these few steps on making a Motor PA claim:

1. Notify your insurer ASAP

In the event of the accident, please reach out to your insurance company as quickly as possible.

If you’re unable to contact on your own, your nominee can contact your insurer on your behalf.

2. Submit your claim form

After informing your insurer about the accident, you should acquire a claim form.

The claim form can be found on your insurer’s website. Once downloaded, fill in the details and attach it with the required documents.

Note that it’s best to inform your insurance company as urgently possible about the accident. The time limitation for filing claims can be up to 30 days after the crash. Do find out from your insurer and plan accordingly - no one likes to wait unnecessarily!

3. Get a police report

Most insurance companies require a police report and an original copy of the investigation result by the police. File a police report within 24 hours of the accident if you want to avoid paying a fine of RM300!

4. Gather the relevant documents

Depending on the insurance company, the insurer will require you to submit different documents. The general required documents are as follows:

  • Copy of NRIC /Copy of Passport (for expats)
  • Original medical bill or receipts
  • Hospital admission/discharge note or summary
  • Police report
  • Death Certificate (for Death claim)
  • Other satisfactory evidence required by your insurer

Keep copies of all your documentation and bills related to the accident.

5. Submit the claim form together with all documents requested

After it has been received by your motor personal accident insurance company, a claim assessor will ensure the validity of the materials you submitted and assess your injury claims.

The claim process takes 7-14 days upon submission of complete documents. You will not need to do anything during this period, unless there is any additional documentation requested by the claim assessor.


| See also: What is Motor Personal Accident Insurance? |


What other things should I take note of?

Before you submit your documents, run through this checklist to ensure a successful Motor PA claim.

Read the questions in the claim form carefully

Put on your glasses and comb through the questions in the claim form thoroughly! Focus on avoiding misrepresentation when answering the questions, otherwise, your claims may be denied.

Answer the items on the claim form correctly

Take your time  - and reasonable care - to answer all the questions on the claim form honestly and to the best of your knowledge. Again, you run the risk of having your claim rejected or not getting fully paid out.

Double check all the necessary requirements

Lastly, ensure that you have all the required documents one more time. The supporting documents attached to your claims are some of the most essential parts of your claims.


Fine print and signature
Have you read through all the finer points in your motor personal accident policy before submitting your claim?


So, what happens after I make a claim?

After a successful claim, you are still able to make further claims during the policy period if you are very unfortunately involved in another car accident and sustained yet another injury. Generally, there’s no limit for the number of claims you can make.

What this means to you and your wallet is that you don’t have to re-purchase a new policy. The only time you need to make a new purchase is when the policy has reached its expiry date.

It’s worth nothing that every claim filed is subjected to claim approval accordingly. Each claim you make is based on the table of benefits provided to you when you purchase your motor personal accident insurance policy.

You can ask your insurance provider on the number of claims you can make within a one-year period if you have any doubts.


My Motor PA claim was denied! What happened?

Imagine getting involved in a car accident where your vehicle was completely written off, and you were also injured badly! To complicate matters, your motor personal accident claim was rejected!

A lot of rejected claims can easily be avoided. So here’s a list of the common reasons why your claim was rejected:

Making claims not under the policy

There are instances where the insured files a claim for injuries that were not covered in the policy. These include pre-existing illnesses and other injuries that are excluded. As much as the Bear knows how much you hate reading the fine print, you do need to find out what the exclusion clauses are.

Lack of supporting documents

The documents that you have are the crucial source of evidence used to prove your claim; without them, the insurer will have trouble providing you with the compensation you are entitled to. As already mentioned above, you need to run through your checklist again and again.

Misleading or wrong information

You might have provided wrong or misleading information. If this happens, your claim can be voided. There are even cases where these situations had led to legal wrangles by parties involved.


What if I was not satisfied with the claim?

If you feel that your insurer failed to sufficiently and adequately provide compensation to you, there are other alternatives you can seek help:

Contact the insurer

Talk to your insurer about your concerns and try to work out a solution that satisfies both parties. If the agent fails to resolve the issue, request to speak with a supervisor.

File a complaint

You can get in touch with the Corporate Communications Department of Bank Negara Malaysia or Financial Mediation Bureau if you have not been satisfactorily served or compensated.

Seek legal advice

If you are wrongfully denied payment on a covered insurance loss, you reserve the right to take the matter to court.


Final Thoughts

Filing a Motor PA insurance claim can be daunting and time-consuming. The Bear strongly recommends that you prepare yourself by understanding your coverage and take the best steps provided after getting hurt. 

Always check what the insurer requires for your Motor PA claim and make sure you provide all the necessary documents and follow the instructions carefully. Your insurance company will work with you to make sure your claim is paid out so you can get back on the road.

Above all else, always practice safe driving and stay buckled!


Buckled seat belt
Stay buckled always!


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