Introduction
So, you’ve had a little (or big) fender bender. Now what? A lot of car owners get confused at this stage — when should you report it? What papers do you actually need? And seriously, where do you even take your car for repairs? Don’t worry — it’s not as scary as it seems, but doing things wrong could mean your car insurance claim process would be rejected.
Know the Types of Claims First
Before you start stressing, here’s a quick heads-up on the common claims in Malaysia:
- Own Damage (OD): Covers your car’s repairs.
- Third Party Property Damage (TPPD): Pays for damage to someone else’s car or property.
- Third Party Bodily Injury (TPBI): If someone gets hurt or worse, this is what kicks in.
Figuring out which type fits your situation helps a lot. It’s basically your cheat sheet for the right documents.
Step-by-Step (Kind of) Claim Guide
Okay, here’s a more casual way to think about it:
- File a police report, ideally within 24 hours. Seriously, don’t wait.
- Snap everything — your car, the accident scene, number plates. Take enough photos so nobody can argue later.
- Send the car to a panel workshop. Don’t just drop it anywhere unless your insurer says it’s fine.
- Gather your documents: police report copy, your IC, driving license, insurance certificate — the usual suspects.
- Wait for the adjuster to check the damage and figure out how much the insurance will cover.
- Repair your car. Once approved, the workshop fixes it. Your cost depends on the claim type.
Extra Stuff That Helps
- Keep all receipts and invoices. Even the tiny stuff.
- Call your insurance company if you’re unsure about your claim status.
- Never sign anything you don’t understand. Ask questions first.
Why BJAK Makes Life Easier
If you got your insurance via Bjak, your policy is all digital. So when an accident happens, you can pull up everything — insurer details, hotline, workshop list — straight from your phone. No paper shuffling, no stress. Time really matters after a crash, and this helps you act fast.
Wrap-Up
Honestly, the car insurance claim process isn’t rocket science. Report it, document it, get it repaired. Each step counts to make sure you actually get your claim. And with tools like Bjak, everything is in one place — easy, simple, and less stressful.
Read More:
What Does “Third Party, Fire and Theft” Mean In Car Insurance?
