Introduction
Every rainy season, cases of flood-damaged cars rise across Malaysia. Many owners panic when the engine is severely damaged and aren’t sure if they can claim insurance. Longer repair times can also affect roadtax validity and active insurance periods.
In this article, we’ll cover the correct steps for flood claims, the documents required, and how to renew your roadtax once your car is repaired — so you don’t miss crucial protection.
1. Immediate Steps for Flood-Damaged Cars
Taking the right steps early helps prevent further damage:
- Do not attempt to start the engine.
- Take photos of the car from multiple angles.
- Record time, date, and location of the incident.
- Contact your insurance company or a platform like BJAK to check policy status and claim procedure.
2. Insurance Claim Requirements for Flood Damage
Not all policies automatically cover floods. Claims are only possible if you have a special perils add-on. Key documents to prepare include:
- Police report within 24 hours.
- Photos of damage and workshop evaluation receipts.
- Copies of vehicle registration/VOC and owner’s IC.
The insurance company will send an adjuster to assess the damage before approving the claim.
3. Repair Duration & Process for Flood-Damaged Cars
Repairs can take 2 to 6 weeks, depending on damage severity. In total loss cases, the insurer will compensate based on the current market value. Keep all communication with the workshop and adjuster documented to avoid disputes.
4. Roadtax Renewal After Repairs
Once the claim is approved and the car is repaired, ensure your insurance is active again before renewing roadtax. Renewal can be done directly via BJAK, MyJPJ, or Pos Malaysia without visiting JPJ, as long as all vehicle details are updated in the system.
Conclusion
Handling flood-damaged cars requires quick and organized action. Ensure your policy includes a special perils add-on so claims are approved smoothly. After repairs, renew your insurance and roadtax through BJAK to stay protected without visiting JPJ. Early steps save time, stress, and high repair costs in the future.
Read More:
Registering MyJPJ Without A Driver’s License
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