I can oni gibiu sum rough knowledge/advise on insurans, but the pulis decision and law side, jiu hab to go through the trouble bai urself jor.
The pulis is rite. Since that side no lipot, jiu can oni claim under Own Damage, which will cost you NCD. Need to assess your vehicle age, next 6 years value against NCD accumulation see whether the difference is worthwhile. If you're only 1st year 25%, la la lam go claim insurans liao. If 30%, see how much damage on the kar. If can be repair within RM500, I think still worth the claim(bear in mind marneh getting smaller bai the dei) After 4 years, the insurans premium u paid ady became minimum - or untung consider 3 years later you ady increased salary 2~3 times and inflation goes up by 20% on 6% compounding consecutive 3 years.
On the other hand, also consider this year when did jiu reniu insurans(rotax). If just reniu jor 1 or 2 months, and ur NCD is more than 30%, then hailut bcoz insurans komani will ask u top up the balance deducted NCD x 10 months / 365days. Added the next year pay full premium with 0 NCD, you rugi kaw kaw!
I dun own an Inspiba, so I didn't check back here. Should you require further assistance, may tag me here, I'll take a look at your question see whether I can be help.
I wish jiu all the best wt the kes, and gud lark with the law enforcement. Do remember when came to a point if someone asking jiu to GIVE CONVENIENT FEE, you should set back and relax liao. 1 must understand, taking it to the next level, yiu're gonna have to make more CONVENIENT to the higher level, which is even moar expansib. Sorry to have tell jiu this, I also sked of sedition act despite being abolished. Who knows they can change another name and put charged me under MULUT CELUPUR ACT, just like the DRINK COFFEE FEE now being called as CONVENIENT. No ayam not 1 of them, bcoz I work as an employee at the principal komani, so ayam not allowed to take any advantage(can't take anyways as I unable to affect the final claim decision regardless). So, all my opinion is only a personal point of view and experience sharing. Can or kenot, has totally nothing to do with my words. So ya, take it with a pinch of salt.
Last but not least, pls do call up ur insurans komani helpdesk, ask them to make a "notification of accident", tell them dun LOG the claim, it's just a notification to inform them sudah exiden, whether wanna make claim or not haven't decided. This will protect u from future law related matter. Who knows the SG fella go back twist his statement around sei jiu langgar him until he patah kaki, wan jiu kompensate him bodily injury. If jiu no notify, then hailut.com.my liao. Insurans komani can sei, they're not aware that jiu ady in exiden so dey no need to help jiu

Cheers.

Mahem, spell nais nais lar DNS
No not ALL insurans kober until SING. Howeber, own damage is kober as long 3rd pati got legit insurans(provided ur own insurans is komprehensib). In dis kes, unless PDRM gib trafuk saman to that SG kar, then he can tuntun KFK(knock for knock) where he go claim his own NCD dulu, then send the pulis lipot to insurans komani, the insurans komani to claim back from the SG kar insurans komani, and finally restore back NCD bagi itu abam.
Basiq insurans kober Maleisia, dat sit. If jiu r in Sbah Sawak, yes cheaper premium sumoar, but the kar kenot drib in semenanjong. Some smart cookie bai jor Ferrari in KL, go bai insurans in Sawak, tink he so schmart seb insurans premium like 10k difference yo. Caught on faiyah, hailut.com.my. 0 kober bcoz the car was burnt in Semenanjung.
Same konsep employ if the kar driving in Sg, there's no coverage unless jiu go do endorsement, add on spesial koberej with xtra premium.