What You Can Include In Your Claim
You have a pile of receipts and are not sure which ones count.
Your claim can include the injury itself. It can also include every provable cost the accident actually caused you: medical bills, transport to treatment, damaged personal items, and lost income.
The rule that connects all of these is proof. If you can show it happened and what it cost, it generally belongs in the claim.
Vincent, an insurance agent from Klang, kept every hospital receipt after his accident. He threw away the parking tickets from a dozen physiotherapy visits, assuming they were too small to matter.
By the time his claim was being prepared, that was several hundred ringgit of provable cost he could no longer easily show.
The medical costs most people already keep
Hospital bills, clinic fees, medication receipts and physiotherapy invoices arrive as formal bills. People are usually good about keeping these.
Keep the originals where you can. Photograph them as a backup in case a paper receipt fades or gets lost.[1]
The smaller items people forget
Transport to and from appointments adds up over a long course of treatment. This applies whether by taxi, e-hailing or your own fuel and parking. It is one of the most commonly under-claimed items.
The same goes for damaged personal items, such as a phone, helmet or spectacles broken in the crash. These need some record of value, like a receipt or repair quote, rather than just a description.
Income you have already lost
Days of pay missed because of the accident form part of what you can include. This applies whether covered by a medical certificate or taken as annual leave for a related reason. How to prove your lost income explains what evidence this part specifically needs.
What is not simply your own estimate
A rough guess of what you think you are owed for pain or inconvenience does not belong in this list. That is assessed separately as general damages, based on your medical evidence rather than a receipt.
How compensation is worked out explains how that different part fits alongside the costs covered here.
Building the habit from here
The easiest way to avoid losing provable costs is a single folder. Physical or digital, every receipt should go there the same day it is issued. Building your claim file sets out a simple way to organise this, so nothing gets missed before a road accident claim moves forward.
Common questions
Can I include the cost of taxis or grab rides to my medical appointments?
Yes, transport to and from treatment is a common item, as long as you keep the receipts or booking history. Small amounts add up over a course of treatment, and losing that record over time is a common, avoidable gap.
What about a phone or helmet damaged in the accident?
Damaged personal items can be included if you can show what was damaged and its value, such as a receipt, a repair quote, or a replacement cost. Keep the damaged item itself where possible until your claim is further along.
Can I include days I took as annual leave instead of medical leave?
Usually yes, if you can show the leave was taken because of the accident rather than for an unrelated reason. A note from your employer confirming the dates and reason strengthens this significantly.
Do I need receipts for absolutely everything, even small amounts?
Ideally yes, since special damages depend on proof rather than a general estimate. Where a small receipt has genuinely been lost, a bank or e-wallet statement showing the payment can sometimes stand in, though an original receipt is always stronger.
Sources
- Civil Law Act 1956, s.28A (Attorney General's Chambers) (accessed 2026-09-22)