As there is a rising case in Hit and Run incidents in Singapore,here’s a clear, step-by-step guide to help you navigate the process effectively.

If you’ve been the victim of a hit-and-run in Singapore and are looking to file an insurance claim, here’s a clear, step-by-step guide to help you navigate the process effectively:

1. Safety First & Immediate Documentation

• Ensure safety: Only move your vehicle if there’s no risk. Prioritise your safety.

• Record the scene: Take clear photos and videos capturing:

  • Unplug dash-cam footage or extract your SD card to prevent it from overrunning

  • remember Surrounding landmarks, road signs, weather, and road conditions

  • If available, keep dashcam footage it can be very helpful later

2. Police Report (Mandatory in Hit-and-Run Cases)

• Report the incident to the Traffic Police as soon as possible  within 24 hours. This can be done at a station or online at https://eservices1.police.gov.sg/phub/eservices/landingpage/police-report

• A formal police report is mandatory for hit-and-run cases and will serve as critical evidence for your claim

3. Report to Your Insurer (Within 24 Hours)

No matter how minor the accident is, you must report to your insurer within 24 hours or by the next working day.

If not, you may:

• Lose your No Claim Discount (NCD)

• Have your future claims rejected

• Risk your policy being terminated

4. Claims Against the Other Driver’s Insurer or Through Own Insurer

If the other driver is identified but fails to report the incident, you may still claim through:

• Your own insurer, who may attempt recovery from the other insurer. However, this might affect:

  • Your NCD

  • Your premium next year

• Workshops authorized by your insurer can help manage third-party claims efficiently