1. Got into accident yesterday morning, my fault. Police report done but since I asked for discount the Sargeant said he kautim at Bukit Aman need to wait around 1 week to get the report.

2. While on the way to report for Accident 1, someone bang my car and she paid me. This one no report.

3. Now my question is, can I claim both under insurance since I will lose my NCD anyway.

4. Can I send my car to the panel mechanic before I get my police report for Accident 1?