Hi Azhar, thank you for your question.

If you’ve hit the back of another car because the front car braked suddenly, you’ll need to make a police report within 24 hours and inform your insurance company as soon as possible. Please take clear photos of the scene, both vehicles, and the car number plates. Exchange details such as name, contact number, IC, licence, car registration, and insurance information with the other driver, but try not to admit fault at the scene. Your insurer will guide you on whether to send your car to one of their panel workshops for assessment and repair. Usually, if you claim under your own insurance (own damage), the repair for your car will be covered but your No Claim Discount (NCD) may be affected. If the other driver is found to be at fault, you can instead claim against their insurance. It’s best to let your insurer handle the investigation and claims process once you’ve submitted all the required documents, including the police report and photos.