{"id":25364,"date":"2022-03-02T11:43:12","date_gmt":"2022-03-02T03:43:12","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=25364"},"modified":"2025-09-17T15:53:30","modified_gmt":"2025-09-17T07:53:30","slug":"what-can-you-do-when-your-insurance-claim-is-denied","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied","title":{"rendered":"What Can You Do When Your Insurance Claim Is Denied?"},"content":{"rendered":"\n<p>Road accidents are sometimes inevitable, even when you observe safety measures. Fortunately, you have <a href=\"https:\/\/bjak.my\/en\">motor insurance<\/a> that can help cover your vehicle damage.<\/p>\n\n\n\n<p>But what if your insurance claim is rejected? <\/p>\n\n\n\n<p>Yes, your insurer can deny your claim.<\/p>\n\n\n\n<p>But do not panic. Having a denied claim does not have to be the end of your case. But what can you do in such a situation? Find out in this article what you can do when your claim is denied.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d77e649a551\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d77e649a551\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/#What_is_an_insurance_claims_denial\" title=\"What is an insurance claims denial?\">What is an insurance claims denial?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/#Why_is_your_insurance_claim_rejected\" title=\"Why is your insurance claim rejected?\">Why is your insurance claim rejected?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/#What_can_you_do_when_your_insurance_claim_is_denied\" title=\"What can you do when your insurance claim is denied?\">What can you do when your insurance claim is denied?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/#Discuss_with_your_insurance_agent\" title=\"Discuss with your insurance agent\">Discuss with your insurance agent<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/#Seek_clarification_from_the_claims_department\" title=\"Seek clarification from the claims department\">Seek clarification from the claims department<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/#Get_a_lawyer\" title=\"Get a lawyer\">Get a lawyer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/#Get_help_from_relevant_parties\" title=\"Get help from relevant parties\">Get help from relevant parties<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/#Take_the_necessary_steps_to_appeal_your_insurer%E2%80%99s_decision\" title=\"Take the necessary steps to appeal your insurer&#8217;s decision\">Take the necessary steps to appeal your insurer&#8217;s decision<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_an_insurance_claims_denial\"><\/span>What is an insurance claims denial?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201cDenial\u201d in this context means <a href=\"https:\/\/bjak.my\/blog\/5-things-to-know-before-filing-an-insurance-claim\/\">insurance claim<\/a> rejection. In this case, the insurance company notifies you that it will not cover the cost of your vehicle damage. In other cases, the company may inform you that they will not pay in full.<\/p>\n\n\n\n<p>Along with the claim rejection, your insurance company shall give you an official letter or statement detailing why your claim is denied.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Why_is_your_insurance_claim_rejected\"><\/span>Why is your insurance claim rejected?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"25402\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/attachment\/photo1646195917-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo1646195917-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?resize=1024%2C1024&#038;ssl=1\" alt=\"There are reasons or situations where your car insurance claim might get rejected\" class=\"wp-image-25402\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>There are reasons or situations where your car insurance claim can get rejected. You may refer to our previous article for more information: Why Your Car Insurance Claim Might Get Rejected.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_can_you_do_when_your_insurance_claim_is_denied\"><\/span>What can you do when your insurance claim is denied?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here are some steps to consider in appealing the insurance claim decision.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Discuss_with_your_insurance_agent\"><\/span>Discuss with your insurance agent<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"25403\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/attachment\/photo1646195917-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo1646195917-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?resize=1024%2C1024&#038;ssl=1\" alt=\"Discuss with your insurance agent when your insurance claim is denied\" class=\"wp-image-25403\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>An insurance agent plays an important role in facilitating your claim process. You may discuss with your agent to seek clarification on why your claim is denied. Identify the reasons and make sure you understand those reasons.<\/p>\n\n\n\n<p>Sometimes, the errors might be from your end. The errors may include incomplete or missing documentation, which could delay your claim.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Seek_clarification_from_the_claims_department\"><\/span>Seek clarification from the claims department<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you do not have an agent, you may reach out to the claims department to seek clarification on your insurance denial.<\/p>\n\n\n\n<p>Your insurer may be able to provide you with a thorough explanation of the matter. Ask whether you can appeal or dispute the decision given by the insurer.<\/p>\n\n\n\n<p>You may also file an official complaint to the complaint unit. You will have to provide the necessary supporting documents. On a side note, please make sure you keep a copy of the documents.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Get_a_lawyer\"><\/span>Get a lawyer<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"25404\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/attachment\/photo1646195917-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo1646195917-3\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?resize=1024%2C1024&#038;ssl=1\" alt=\"Get a particular lawyer that specialises in insurance-related matters if your insurance claim is denied\" class=\"wp-image-25404\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>If there is still no answer despite your complaint to the insurer&#8217;s complaint unit, you can consult a lawyer to help you. You may get a legal review for your case that is dismissed by a lawyer. But please ensure that you consult the right lawyer; speak to a lawyer with expertise in the field.&nbsp;For example, get a particular lawyer that specialises in insurance-related matters.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Get_help_from_relevant_parties\"><\/span>Get help from relevant parties<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You can also submit your complaint to the relevant parties with relevant information and documents for their consideration to conduct an investigation.<\/p>\n\n\n\n<ul><li>PIAM Information Centre<\/li><\/ul>\n\n\n\n<p>Refer to the General Insurance Association of Malaysia or Persatuan Insurans Am Malaysia (PIAM) for general insurance or takaful-related claims.<\/p>\n\n\n\n<ul><li>Ombudsman for Financial Services<\/li><\/ul>\n\n\n\n<p>Ombudsman for Financial Services (OFS) is an alternative dispute resolution channel to resolve complaints between the Financial Service Providers and their respective clients.<\/p>\n\n\n\n<p>However, please note that there are several conditions that you must follow if you want to file complaints to either PIAM or OFS:<\/p>\n\n\n\n<ul><li>Your insurance policy is with a company that is a member of the PIAM or the Ombudsman for Financial Services (OFS). All PIAM members are members of OFS.<\/li><li>You and your insurer have failed to reach an agreement and it is within six months of the final decision of the senior management.<\/li><li>You have not started legal proceedings.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Take_the_necessary_steps_to_appeal_your_insurer%E2%80%99s_decision\"><\/span>Take the necessary steps to appeal your insurer&#8217;s decision<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A claim denial can happen under certain circumstances. If you feel it is unfair, you can take steps to appeal the insurer\u2019s decision. You may also seek an expert&#8217;s help or file your complaint as your last resort.<\/p>\n\n\n\n<p>We hope this article is helpful to assist you when facing an insurance claim denial. <\/p>\n\n\n\n<p>As a reminder, please also note that driving without valid <a href=\"https:\/\/bjak.my\/en\">car insurance<\/a> is illegal and could land you in trouble. Without valid insurance, it is not even possible for you to<strong> <\/strong>apply for an insurance claim in the first place. <\/p>\n\n\n\n<p>Therefore, always ensure your motor insurance is valid for use. <\/p>\n\n\n\n<p>You may simply visit Bjak to renew your insurance. Start by getting free car insurance quotes in just 3 minutes.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!<\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=what-can-you-do-when-your-insurance-claim-is-denied\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get Free Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-rates\/\"><strong><em>7 Factors That Determine Your Car Insurance Premium<\/em><\/strong><\/a><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/renew-road-tax-deceased-owner\/\">How To Renew Road Tax If The Car Owner Is Deceased?<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/puspakom-hire-purchase-inspection\/\">Puspakom Hire Purchase Inspection For Used Vehicles<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What do you do if your insurance claim is denied? <\/p>\n<p>Read on as we share some ways that you may use to appeal to your insurer. <\/p>\n","protected":false},"author":7,"featured_media":25400,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Can You Do When Your Insurance Claim Is Denied? | BJAK<\/title>\n<meta name=\"description\" content=\"What do you do if your insurance claim is denied? 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