Introduction
Car insurance fraud is a growing concern in Malaysia, potentially costing drivers thousands of ringgit. This article explains the most common car insurance scams in Malaysia, signs to watch for, and how BJAK can help drivers stay safe when buying or renewing policies.
1. False Claims by Third Parties
- Some individuals exaggerate or fake accident claims to receive compensation.
- Drivers must always document accidents thoroughly and report accurately to avoid disputes.
2. Fake Insurance Policies
- Scammers may sell invalid or fake insurance policies.
- BJAK allows online verification to ensure your policy is genuine before purchase.
3. Add-On Scams
- Agents may try to sell unnecessary add-ons at inflated prices.
- Only choose add-ons relevant to your car and driving needs, and verify costs on BJAK.
4. Ghost Repairs / Inflated Repair Bills
- Certain workshops may inflate repair costs for insurers.
- Always get multiple repair estimates and verify claims with your insurer through BJAK.
5. Policy Hijacking or Personal Info Theft
- Scammers might try to use personal details to take over policies or commit fraud.
- Keep your NRIC, car details, and policy info secure, and verify all communications through BJAK.
Tips to Protect Yourself with BJAK
- Verify Policies Online: Confirm authenticity before purchase.
- Compare Add-Ons and Premiums: Avoid paying for unnecessary extras.
- Check Claims and Repair Processes: Ensure transparency before making decisions.
Conclusion
Being aware of the most common car insurance scams in Malaysia can save drivers time, money, and stress. BJAK helps verify policies, compare add-ons, and ensure a safe, transparent insurance experience, so drivers can stay fully protected without falling victim to fraud.
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