Without a police report, there is no claim.
M’sian Lawyer Explains How To Sue An Uninsured Driver Who Hit Your Car, No Legal Fees If Below RM5K
You drove carefully. You followed the rules. And somehow, you’re still the one paying for it.
Bank Negara: Motorists Found Not At Fault In Accidents Can Claim Own Insurance Without Losing Their NCD
This enables faster repairs without upfront costs.