Introduction
Accidents caused by animals on Malaysian roads are more common than most people think — especially in rural areas, plantations, or quiet roads at night. But the question is, are you able to file insurance claims if the road accident are involving animals? Coverage type will greatly affect whether claim is feasible.
Types of Animals Commonly Involved
Road accidents usually involve three main categories:
- Livestock
- Pets
- Wildlife
These categories matter because they determine whether a third party (the animal’s owner) can be held responsible or not.
Coverage Based on Insurance Type
Not all insurance policies cover damage from collisions with animals. Here’s the breakdown:
1. Third Party
No coverage for damage to your own vehicle.
If you hit an animal and your car is damaged, all repair costs must be paid out of pocket.
This policy protects 3rd parties only, not your own vehicle .
2. Third Party, Fire & Theft (TPFT)
Similar to Third Party — does not cover accidents involving animals.
It only covers loss due to fire or theft.
3. Comprehensive Coverage
Provides a wider coverage for insurance protection.
For example, if a wild animal suddenly crosses the road and you hit it, you can file an own damage claim.
If video or photo evidence not available, claim may be rejeceted..
Steps to Take After an Animal-Related Accident
If you’re involved in this type of incident, here’s what to do:
- Ensure your own safety.
Don’t exit the vehicle until it’s safe to do so. - Take photos at the scene.
Capture the damage, the location, and the animal (if it’s still present). - Filing a report within 24 hours.
Clearly state the cause of the accident. - Notify your insurer or use platforms like Bjak.
Provide your police report, photos, and active insurance certificate for review. - Repair cost estimate.
Send your vehicle to a panel workshop or wait for the adjuster’s assessment before repairs begin.
Animal Owners Held Liable
Accidents involving livestock can be claimable with livestock owner, due to negligence by the livestock owner.
However, you must prove that:
- The animal belongs to someone (through witnesses or evidence), and
- Negligence occurred (e.g., broken fencing or animals left unattended).
The owner will be held responsible under Section 79 of the Road Transport Act 1987 for failing to control animals on public roads.
Road Accident with Wild Animal
You are unable to file any claims involving wild animals with 3rd party coverage.
In such cases, only Comprehensive policies may cover the damage — depending on the adjuster’s assessment and the evidence provided.
Conclusion
Road accident involving animals is claimable with proper coverage and evidence. Keep digital copies of required documents for smooths claiming process. To check your insurance type and policy coverage instantly, use Bjak, all your details are available digitally and for free.
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