Introduction
Minor accidents, major costs happen when drivers downplay damage or the impact of a light collision. Even without serious injuries, vehicles may suffer hidden damage, such as:
- Bent or cracked vehicle structure
- Suspension or alignment issues
- Damage to electronic systems or sensors
The issues may not be visible immediately. Repair costs will escalate when ignored & insurance claim rejected from inaccurate report.
Situations That Can Turn Minor Accidents Into Major Costs
1. Light Damage to a New Car
Even small scratches, dents, or bumps on a new car can affect its market value. Repairing with original parts can be expensive.
2. Failing to Report to Insurance
Many Malaysian drivers assume minor accidents don’t need reporting. As damage worsens, insurance claims may be denied due to late reporting.
3. Hidden Damage
Electronic systems, sensors, or internal structures may be damaged even if the exterior looks fine. Repair costs can spike if these issues are not identified early.
4. Using Non-Approved Workshops
Repairing at non-panel or cheap workshops can complicate insurance claims, leaving additional costs to be borne by the driver.
Tips to Avoid “Minor Accidents, Major Costs”
- Always report accidents, even minor ones
- Get a full vehicle inspection after an incident
- Use insurance-approved panel workshops
- Keep documentation of damages and repairs
Conclusion
Minor accidents, major costs are not a myth. Small incidents can cause hidden damage and high repair costs, especially if not reported or inspected promptly. Taking precautionary steps with accurate reports & using approved workshops to reduce risk of financial loss.
Read More:
How to Avoid Insurance Claims Being Rejected
How to Choose PA Coverage According to Risk & Vehicle
Claims Rejected When Car Tries to Claim Against a Motorcycle
