{"id":17550,"date":"2021-05-04T20:00:00","date_gmt":"2021-05-04T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/claim-car-insurance.html"},"modified":"2026-03-27T19:20:00","modified_gmt":"2026-03-27T11:20:00","slug":"claim-car-insurance","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/insurance\/claim-car-insurance.html","title":{"rendered":"#WhatIWishIKnew – The Ultimate Guide On How To File An Auto Insurance Claim In Malaysia"},"content":{"rendered":"

If you get involved in an accident that causes damage to your car, there are several important steps you must follow as part of the insurance claim procedure. In this article, we provide a complete guide on how to make a car insurance claim in Malaysia. Read below to find out!<\/strong><\/p>\n

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Accidents can happen to anyone, even the most careful among us. But what happens after you get into a car accident? You\u2019ll have to make a claim, and for many, this can be a confusing process.<\/p>\n

In fact, it’s this process where consumers often complain a lot about, especially when there are delays in their insurance claims, according to Persatuan Insurans Am Malaysia (PIAM) aka the General Insurance Association of Malaysia.<\/p>\n

More often than not, the stumbling blocks in the claim process, PIAM states, are due to insufficient information given on the claim form, lack of supporting documentation or the lack of understanding on what the policies actually cover.<\/p>\n

Therefore, knowing what to after an accident would greatly alleviate the anxiety that comes with the incident as well as ensure a speedy claims process.<\/p>\n

Here\u2019s a guide on how to make a claim from your car insurance if your car is stolen, involved in an accident, or suffered damages caused by unfortunate events such as a flood.<\/p>\n

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But first – what can you claim?<\/h2>\n

When making an accident claim in Malaysia, there are generally two types that people often make: Own Damage claim and a Third Party claim.<\/p>\n

The types of compensation and your eligibility to apply for a claim will depend on the type of car insurance coverage and the nature of the accident or scenario you get in.<\/p>\n

For example, if you opted for extra coverage, then you are eligible to claim for add-ons to your insurance, such as windscreen coverage, damage due to flooding and more.<\/p>\n

But across the board, damages which you can claim for are:<\/p>\n

Special damages
\n<\/strong>These are claims for specific expenses like transport, repairs to vehicles, getting another vehicle or medical expenses as a result of the accident. Special damages deal with specific monetary expenses that you have to incur as a result of the accident.<\/p>\n

General damages
\n<\/strong>From what we found, general damages represent the types of damages that can\u2019t easily be assigned a monetary value, such as pain and suffering, loss of consortium and emotional trauma.<\/p>\n

In this instance, there is no evidence of loss, be it bills or receipts, of a specific Ringgit amount, but they are still considered losses for which the plaintiff deserves compensation nonetheless.<\/p>\n

For instance, if you and\/or a passenger in your car was injured in the accident, you may claim compensation for the suffering and pain incurred from injuries sustained. You may do so by claiming from the insurer of the other vehicle that caused the accident.<\/p>\n

But, the other vehicle\u2019s insurance will only pay out compensation to you if the other driver is found to be at fault for causing the accident. If you are partially responsible, you and your passenger will receive a partial compensation.<\/p>\n

Let\u2019s break down the different possible scenarios and how you can approach it:<\/h2>\n

Scenario 1: Theft of your vehicle<\/h3>\n

Certain circumstances will not make you eligible for a claim such as willingly handing over your car to someone else, resulting in the car being stolen.<\/p>\n

For example, if you send your car to the car wash or handed it over to a car jockey and it gets stolen, it will be considered as an act of negligence on your part as the car owner.<\/p>\n\n\n\n\n\n
Type of policy<\/strong><\/td>\n<\/tr>\n
Comprehensive policy<\/strong><\/td>\nThird Party, Fire and Theft policy<\/strong><\/td>\nThird party policy<\/strong><\/td>\n<\/tr>\n
You can make a Theft claim against your own insurer\/ takaful operator<\/td>\nYou can make a Theft or Fire claim against your own insurer<\/td>\nNot eligible to claim<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Scenario 2: Damage to your vehicle due to road accident<\/h3>\n

There are two ways to claim for damages if your vehicle was involved in an accident:<\/p>\n

1. Claim from your insurance company<\/h4>\n

When claiming from your insurance company, you will have to claim under Own Damage (OD) Claim or Own Damage Knock for Knock claim. Here\u2019s what you can do:<\/p>\n

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  1. Lodge a police report within 24 hours of the accident. If you lodged a report after 24 hours have passed, you can be fined RM300.<\/li>\n
  2. Then, inform your insurance of the accident. After that, make sure to send your car to a panel workshop of the insurance.<\/li>\n
  3. After that, you will have to fill up the claim forms and submit back to your insurer.<\/li>\n
  4. An insurance adjuster will then be appointed to access the damage and cost to fix your car, and then the panel workshop will proceed to work on your car.<\/li>\n<\/ol>\n

    It\u2019s important to remember that when you claim from your insurance company, you will lose your No Claim Discount (NCD) entitlement.<\/p>\n

    You should also check your insurance policy and look at the part where it states \u201cexcess.\u201d This is the amount of loss you have to bear before your insurance company will pay for the balance of your claim.<\/p>\n

    For example, if your car insurance excess is RM200, you will have to pay the first RM200 of any claim you make. You will not be entitled to claim for an accident that results in damages below RM200. Excesses help insurers reduce the number of small claims made.<\/p>\n

    There are two types of \u201cexcess\u201d:<\/p>\n

    i) \u2018Compulsory Excess\u2019 of RM400<\/strong><\/p>\n

    You have to bear the cost of RM400 every time you make a claim if, during the accident, your car was driven by a person:<\/p>\n