This is a serious reply, this comes before any insurance claim, and not meant to be racist whatsoever, but this is gathered from my peers that are tired and old. And experienced.

If you get into an accident, you might think of settling for an amount right on the spot, especially if it's a relatively minor matter, and you both agree to not report to the police and go about your days. This happens in a lot of semi-rural areas in Malaysia.

My advice is, and when I say this I guess the advice of my multitude of peers is: REPORT TO THE POLICE NO MATTER WHAT. Especially if you are um... how do I put this. If you're not of the same skin color. I have heard many cases where they "kena". The motorist was in the wrong, bang, stop, they both settle and agree it's minor and no need to report police, and just when the fellow went back to his job or business working, the other fellow went behind his back and reported to the police. In the end there was a court hearing and they bite and clamp on the fact that the fellow didn't report to the police and was "avoiding the law" and he was ordered to pay WAY more than he would've even if he was saman-ed if the police took the motorist's side after a police report. The innocent fellow paid and the real offender laughed right to the bank.

It was found time and again these reckless drivers were from very "new" rural areas that didn't know shit about driving etiquette, moreover the law. Who do you think told them to do what they did?

Welcome to Malaysia. Especially if you are from Sabah like my peers are.

I'm sorry if I sound racist or anything but this is just how things are and we're mostly at the receiving end of it so take this however you wish. But be calm, and take as many pictures and videos as you can if you can. It'll help a lot. Good luck.