Why Some Claims Don’t Get Approved
Many vehicle owners in Malaysia assume that once insurance has been purchased claims can be done regardless of coverage type. This assumption causes anger and frustration amongst drivers towards agents & insurers when told that their claim cannot be processed due to criteria not being met or lack of documentation. Follow this guide to understand the reason why car insurance claims get rejected & steps to avoid them.
1. Policy Already Expired
If your insurance isn’t active when the accident happens, your claim won’t go through.
How to avoid it: Always renew early. Use reminders or platforms like BJAK to make sure your coverage never lapses.
2. Wrong or Incomplete Information
Simple errors like a wrong car plate, old address, or unlisted driver can cause delays — or outright rejection.
How to avoid it: Double-check your policy details whenever you renew or make a claim. It takes a minute but can save weeks of headache later.
3. Incident Not Covered by Policy
Not everything is covered. If your car got damaged during a race or from illegal use, your insurer has the right to reject it.
How to avoid it: Read your policy terms. Knowing what’s covered helps you avoid surprises when you really need that payout.
4. Accident Reported Too Late
Don’t wait. File your report as soon as possible. The quicker you send in the photos and accident details, the easier it’ll be for the insurer to process your claim without questions later on.
5. Missing Documents
Police reports, repair bills, or proof of premium payment — missing any of these could delay or cancel your claim.
How to avoid it: Keep a folder (digital or paper) for all your car-related documents. When the time comes, everything’s already in one place.
Conclusion
Understand the reason why car insurance claims get rejected, by doing so you’re able to prepare earlier on the type of coverage needed to purchase & also the documents needed to be prepared when filing for insurance claims. Doing so will ensure a smooth process for you next claim.
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