{"id":34444,"date":"2022-08-18T11:22:11","date_gmt":"2022-08-18T03:22:11","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=34444"},"modified":"2025-11-05T17:35:30","modified_gmt":"2025-11-05T09:35:30","slug":"car-insurance-vs-personal-accident-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-vs-personal-accident-insurance","title":{"rendered":"Car Insurance vs Personal Accident Insurance"},"content":{"rendered":"\n<p><em>&#8220;If I am injured in an accident caused by myself, will car insurance cover me?&#8221;<\/em><\/p>\n\n\n\n<p>Based on the question above, what type of insurance can give you coverage in such a situation? In this case, car insurance coverage or personal accident insurance coverage?<\/p>\n\n\n\n<p>Regardless, some may not understand the form of coverage offered by these two. Hence, let us explain how do these two coverages differ from one another.<\/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-69d8b592a99cf\" 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-69d8b592a99cf\"><\/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\/car-insurance-vs-personal-accident-insurance\/#What_is_car_insurance\" title=\"What is car insurance?\">What is car insurance?<\/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\/car-insurance-vs-personal-accident-insurance\/#What_is_personal_accident_insurance\" title=\"What is personal accident insurance? \">What is personal accident insurance? <\/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\/car-insurance-vs-personal-accident-insurance\/#Differences_between_car_insurance_and_personal_accident_insurance\" title=\"Differences between car insurance and personal accident insurance\">Differences between car insurance and personal accident insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-vs-personal-accident-insurance\/#Protect_yourself_with_personal_accident_insurance\" title=\"Protect yourself with personal accident insurance\">Protect yourself with personal accident insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_car_insurance\"><\/span>What is car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In Malaysia, every car owner is mandated to ensure the validity of their car insurance for legal use on the road. As a result, you will be penalised by the authorities if you get caught driving without valid insurance.<\/p>\n\n\n\n<p><strong>What does your car insurance cover?<\/strong><\/p>\n\n\n\n<ul><li>Compensate in the event of car theft or fire, depending on the type of policy you choose<\/li><li>Cover your car damages if the accident was your fault (applicable for comprehensive policy)<\/li><li>Provides cover to you (the insured)&nbsp;against&nbsp;third-party&nbsp;liabilities<\/li><\/ul>\n\n\n\n<p>Note that your insurer will not compensate you in the event of death or injury in an accident caused by you. In contrast, the coverage is only provided to the third party (the other involved party).<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03-1-1024x1024.png?resize=854%2C854&amp;ssl=1\" alt=\"Types of car insurance in Malaysia\"\/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_is_personal_accident_insurance\"><\/span>What is personal accident insurance? <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Compared to car insurance, <a href=\"https:\/\/piam.org.my\/personal-accident-insurance\/\">personal insurance<\/a> coverage is more of a type of optional coverage. That being so, everyone doesn&#8217;t need to purchase it.<\/p>\n\n\n\n<p>Personal Accident insurance or PA insurance is an annual policy that&nbsp;<strong>provides compensation in case of:<\/strong><\/p>\n\n\n\n<ul><li>Injuries<\/li><li>Disability, or <\/li><li>Death caused solely by violent, accidental, external, and visible events<\/li><\/ul>\n\n\n\n<p>You can buy this personal accident insurance product as one of the insurance coverage products. In brief, this insurance product allows you to receive compensation if you are injured, diagnosed with a permanent disability, or pass away in an accident.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh3.googleusercontent.com\/2UFhTuCOSAmy-n_eDfZa7ncvd36HE_K9gZ-TT3cmRI74m78WI1efqd_xhofckybXW8B1WEoJntM16tKpsywTC0e1-jojVF6kx0eJ_N77rjiWHcz2H3picqeDL-uNLdEkcgzn1xmNIxsStvvK40UzqCM\" alt=\"insurans kemalangan peribadi\"\/><\/figure>\n\n\n\n<p>On top of that, you can also purchase this personal accident insurance product through insurance renewal.<\/p>\n\n\n\n<p>On the whole, the premium for this additional coverage varies across insurance providers. But, some insurers include the coverage for free for comprehensive policyholders. Examples are<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-soalan-lazim\/#Apakah_perbezaan_di_antara_insurans_kereta_dengan_insurans_kemalangan_peribadi\"><strong> Liberty dan Takaful Malaysia<\/strong><\/a>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Differences_between_car_insurance_and_personal_accident_insurance\"><\/span>Differences between car insurance and personal accident insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The followings are some key comparisons between car insurance and personal accident insurance:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Car insurance<\/strong><\/td><td><strong>Personal accident insurance<\/strong><\/td><\/tr><tr><td>Compulsory for vehicle owner<\/td><td>Not compulsory, optional coverage<\/td><\/tr><tr><td>Subject to annual renewal<\/td><td>No need for annual renewal<\/td><\/tr><tr><td>Does not cover your injury or death caused by an accident<\/td><td>Cover your injury or death caused by an accident<\/td><\/tr><tr><td>Coverage amount is based on market value or the value agreed upon insurance renewal<\/td><td>Coverage amount is limited, as determined by the insurance company<\/td><\/tr><tr><td>Premium will be cheaper the following year (according to NCD rate)<\/td><td>Premiums are not reduced<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Protect_yourself_with_personal_accident_insurance\"><\/span>Protect yourself with personal accident insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In sum, any type of insurance is necessary to protect you according to the circumstances. Car insurance helps to cover your vehicle damage. Meanwhile, personal accident insurance will help you cope with death, injury, or disability caused by an accident.<\/p>\n\n\n\n<p>Thus, we recommend you get both coverages for extra protection in the future. We do not wish difficulties or tragedies to happen to you. But it is better to prepare for the worst.<\/p>\n\n\n\n<p>To begin with, you may visit <a href=\"https:\/\/bjak.my\/en?utm_source=google&amp;utm_medium=cpc&amp;utm_campaign=gg_bjak-insurance_sem_brd_phrase&amp;utm_content=bijak%20malaysia&amp;gclid=EAIaIQobChMI7OKnmPbG9gIVbpJmAh0eAQUjEAAYASAAEgL1ivD_BwE\">Bjak&#8217;s website<\/a> to purchase this additional coverage. Comparing insurance policies is undoubtedly easy as you can do it completely online. Wherever you are, you can conveniently&nbsp;<a href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">compare up to 15 insurance quotations for free<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><em><strong><em>Bjak is one of Malaysia\u2019s largest car insurance comparison sites. Get&nbsp;<a href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">free quotes<\/a>&nbsp;at Bjak and&nbsp;<a href=\"https:\/\/bjak.my\/blog\/how-to-renew-car-insurance\/#Renew_car_insurance_online_through_insurance_comparison_sites\">renew car insurance<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/bjak.my\/blog\/how-to-renew-roadtax-bjak-myeg-mysikap-jpj\/#Renew_roadtax_online_at_Bjak\">road tax<\/a>&nbsp;online in just 5 minutes.<\/em><\/strong><\/em><\/em><\/p>\n\n\n\n<p><strong>Also read:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/pa-dalam-insurans-kenderaan-perlu-atau-tidak\/\">\u2018PA\u2019 dalam Insurans Kenderaan \u2013 Perlu atau Tidak?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/berapa-kalikah-anda-boleh-buat-tuntutan-insurans-kenderaan\/\">Berapa Kalikah Anda Boleh Buat Tuntutan Insurans Kenderaan?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/tuntutan-insurans-apa-perlu-anda-buat-jika-terlibat-dalam-kemalangan-langgar-lari\/\">Tuntutan Insurans: Apa Perlu Anda Buat Jika Terlibat Dalam Kemalangan Langgar Lari?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/tuntutan-insurans-ditolak-apakah-tindakan-yang-anda-kena-lakukan\/\">Tuntutan Insurans Ditolak? Apa yang Anda Kena Lakukan?<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What are the differences between car insurance and personal accident insurance?<\/p>\n<p>Read on to learn what differentiates them.<\/p>\n","protected":false},"author":7,"featured_media":34492,"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":[429,59,1073,1889],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Insurance vs Personal Accident Insurance | BJAK<\/title>\n<meta name=\"description\" content=\"Unlike car insurance, personal accident insurance allows you to receive compensation if you get injured or passed away in an accident.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-vs-personal-accident-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Insurance vs Personal Accident Insurance | BJAK\" \/>\n<meta property=\"og:description\" content=\"Unlike car insurance, personal accident insurance allows you to receive compensation if you get injured or passed away in an accident.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-vs-personal-accident-insurance\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-18T03:22:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-05T09:35:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/photo_2022-08-18-12.09.56.jpeg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nurul\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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