Introduction
In Malaysia, many drivers don’t realise they must file a police report to submit an insurance claim after an accident. This article explores how to manage accident claims without a police report, the potential risks, and how BJAK can help streamline the process.
1. Risks of Claiming Without a Police Report
- Insurers may reject the policy because they usually require a police report as official evidence
- Investigators may face difficulties, as the lack of a police report allows accident evidence to be challenged and can reduce your claim amount.
- Third-party claims may stall or be rejected when no police report is available to confirm the incident.
2. How to Make Claims Without Filing a Police Report
- Minor accidents: Incidents that do not involve third parties, such as damage at home or while parked.
- Internal minor claims: Some insurers allow minor claims through internal procedures, but claim limits are usually restricted.
3. BJAK Tips for Handling Claims
- Check your policy first: BJAK allows you to understand claim requirements before incidents occur.
- Provide complete evidence: Photos, videos, and vehicle information can help support minor claims without a police report.
- Use the BJAK platform: Compare policies that allow flexibility for minor claims without a police report.
- Prevent future issues by filing a police report whenever a third party or injuries are involved, rather than relying on minor claims that don’t require one.
Conclusion
Accident claims without a police report are allowed in certain situations, but they carry clear risks and limitations. BJAK helps drivers check policies, prepare documents, and select appropriate coverage to make the claims process smoother while safeguarding NCD and full protection.
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