Many drivers assume that submitting a claim guarantees approval. The truth is, knowing how to handle car insurance claim matters because insurers can reject claims for several reasons. Sometimes you forget documents. Other times, your policy doesn’t cover the incident. In this guide, we’ll show practical steps to tackle a rejected claim calmly and effectively.
Why Claims Can Be Rejected
Missing Documents
You might forget to submit photos, police reports, or repair receipts, or send them incorrectly. This is a common reason insurers reject claims.
Policy Doesn’t Cover the Incident
For example, if a flood damages your car and you didn’t buy special perils coverage, the insurer can reject your claim.
Late Reporting
Insurance companies set a timeline for filing a claim after you make your police report. If you miss the deadline, the insurer can reject your claim.
Breach of Policy Terms
A common case occurs when someone drives the car without a valid license. That alone can lead the insurer to reject the claim.
What You Can Do
Review the Rejection Letter
Read the rejection letter carefully. It helps you see if you can appeal.
Contact Your Insurer
Sometimes the problem is just a missing document. A quick call or follow-up can reopen your claim.
Appeal or Approach BNM/PIAM
Even if you submit a complete claim and the insurer still rejects it, you can escalate the matter to Bank Negara Malaysia or Persatuan Insurans Am Malaysia (PIAM) if you believe the decision is unfair.
Consider Legal Help
For large financial losses, you might need to consult a lawyer as the final step.
Why It Matters
Following these steps helps you stay calm if your claim gets rejected. It also clearly shows your rights as a policyholder.
Conclusion
If your car insurance claim gets rejected, don’t panic. By understanding how to handle car insurance claim, you can review the rejection reason, contact your insurer, and follow proper steps to appeal. Taking these actions gives you a fair chance to process your claim successfully and provides peace of mind as a policyholder.
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