Introduction
You’ve gotten yourself into an accident and you ask, “ How long does a car insurance claim take to process?” The reality is, insurance claims all depend on the type of claim & whether all your documents are in order for insurers to quickly process your claim. This guide will help you breakdown the average timeframe so you’re able to set your expectations.
Claim Types & Average Timelines
| Claim Type | Estimated Duration | Key Notes |
| Own Damage (OD) – damage to your own car | 7–14 working days | Depends on adjuster approval & spare part availability |
| Third Party Claim – claiming from another driver’s policy | 2–4 weeks | May take longer if investigations are required |
| Total Loss / Theft Claim – stolen or severely damaged car | 1–3 months | Needs police report & thorough insurer review |
Factors That Affect Processing Time
- Complete documents – police report, photos of damage, car grant.
- Type of damage – minor repairs are faster, major accidents take longer.
- Availability of spare parts – delays happen if parts are out of stock.
- Third-party involvement – claims against another driver’s policy usually take more time.
Tips to Speed Up Your Claim
- Submit all documents immediately after the accident.
- File your police report within 24 hours.
- Use your insurer’s panel workshop to avoid extra steps.
- Monitor claim status through your insurer or platforms like Bjak.
Conclusion
In Malaysia, knowing how long a car insurance claim takes will set your expectations as the process may take up to a week or several months depending on the severity of the case. Normally for self damage claims will be processed much quickly, while intense cases like total loss/ theft will take time due to investigations that have to be done. So in order to avoid unnecessary delays, always keep handy your required documents, do repairs at registered panel workshop and to follow up with your insurer.
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