{"id":34547,"date":"2022-08-24T16:35:58","date_gmt":"2022-08-24T08:35:58","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=34547"},"modified":"2025-09-17T15:04:16","modified_gmt":"2025-09-17T07:04:16","slug":"how-will-car-accident-affect-your-insurance-premium","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium","title":{"rendered":"How Will Car Accident Affect Your Insurance Premium?"},"content":{"rendered":"\n<p><a href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=\">Car insurance<\/a> is a contract between you and the insurance company to protect&nbsp;you financially&nbsp;should anything happen to your vehicle in the event of an accident. In exchange for your insurance premium payment, the insurer will provide coverage as outlined in your policy.<\/p>\n\n\n\n<p>In brief, having such insurance in place will put you at ease if you participate in an accident. You can claim from your insurer in order to cover the cost of your vehicle.<\/p>\n\n\n\n<p>Although you have the privilege to file a claim at any time, please be careful. As it may seem convenient, you may be shocked to learn that it can affect your insurance premium.<\/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-69d8b576f12f2\" 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-69d8b576f12f2\"><\/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\/how-will-car-accident-affect-your-insurance-premium\/#Will_your_insurance_premium_increase_after_an_accident\" title=\"Will your insurance premium increase after an accident?\">Will your insurance premium increase after an accident?<\/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\/how-will-car-accident-affect-your-insurance-premium\/#Higher_insurance_premium_during_renewal\" title=\"Higher insurance premium during renewal\">Higher insurance premium during renewal<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium\/#What_is_an_at-fault_claim\" title=\"What is an at-fault claim?\">What is an at-fault claim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium\/#What_is_a_non-fault_car_insurance_claim\" title=\"What is a non-fault car insurance claim?\">What is a non-fault car insurance claim?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium\/#Affect_No-claim_Discount_NCD\" title=\"Affect No-claim Discount (NCD)\">Affect No-claim Discount (NCD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium\/#Too_many_accidents_history_will_increase_insurance_premium_rates\" title=\"Too many accidents history will increase insurance premium rates\">Too many accidents history will increase insurance premium rates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium\/#Be_careful_when_filing_insurance_claims\" title=\"Be careful when filing insurance claims\">Be careful when filing insurance claims<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Will_your_insurance_premium_increase_after_an_accident\"><\/span>Will your insurance premium increase after an accident?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"34610\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium\/attachment\/photo_2022-08-24-16-31-44\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/photo_2022-08-24-16.31.44.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=\"photo_2022-08-24-16.31.44\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/photo_2022-08-24-16.31.44.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/photo_2022-08-24-16.31.44.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\/08\/photo_2022-08-24-16.31.44.jpeg?resize=1024%2C1024&#038;ssl=1\" alt=\"Insurance premium increase after an accident\" class=\"wp-image-34610\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/photo_2022-08-24-16.31.44.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/photo_2022-08-24-16.31.44.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/photo_2022-08-24-16.31.44.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/photo_2022-08-24-16.31.44.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/photo_2022-08-24-16.31.44.jpeg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Unfortunately yes. Making a claim will&nbsp;almost always lead to an increase&nbsp;in your car insurance premium. <\/p>\n\n\n\n<p>You are also likely to lose your accumulated <a href=\"https:\/\/bjak.my\/blog\/a-guide-to-no-claim-discount-ncd\/\">No Claims Discount (NCD)<\/a>. However, it depends on the type of claim that you made.<\/p>\n\n\n\n<p>Read on as we share how it affects your insurance premium.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Higher_insurance_premium_during_renewal\"><\/span>Higher insurance premium during renewal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your <a href=\"https:\/\/bjak.my\/blog\/understand-your-car-insurance-policy\/#Basic_premium_gross_premium_and_final_premium\">insurance premium<\/a> will soar during the next renewal <strong>if you are found to be at fault for the accident<\/strong>.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_is_an_at-fault_claim\"><\/span>What is an at-fault claim?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>An at-fault accident is&nbsp;a car accident caused by a driver&#8217;s negligence. If an accident is your fault, your claim will be recorded as an at-fault claim on your insurance history.<\/p>\n\n\n\n<p>For example:<\/p>\n\n\n\n<ul><li>If your vehicle hits another car&nbsp;or,<\/li><li>If you damage your car (run into a lamp post, hydrant, traffic pole, etc.)<\/li><\/ul>\n\n\n\n<p>However, not all claims lead to higher premiums. There are other types of claims that usually incur no penalty. For example, if it is a non-fault car insurance claim.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_non-fault_car_insurance_claim\"><\/span>What is a non-fault car insurance claim?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A&nbsp;non-fault claim\u202fis when the fault lies completely with someone else. For example:<\/p>\n\n\n\n<ul><li>If your car was stationary and another driver backed into it or,<\/li><li>If your car is hit by another driver who is perhaps speeding or ignoring the rules of the road<\/li><\/ul>\n\n\n\n<p>In this case, you can file a claim to the insurer of the other party&#8217;s vehicle. The other driver&#8217;s car insurance typically pays for your expenses.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Affect_No-claim_Discount_NCD\"><\/span>Affect No-claim Discount (NCD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD is a form of discount that insurers offer if you do not make any claims throughout the coverage period. When you do not make any claim on your insurance policy, your NCD rate will increase, thereby lowering your car insurance premium.<\/p>\n\n\n\n<p>Making an at-fault claim for an accident will almost certainly affect your NCD years.&nbsp;If you have had an accident, the basic cost of your premium will probably increase. <\/p>\n\n\n\n<p>Although your NCD remains, please note that it is applied after your premium is calculated, resulting in an overall increase. Nevertheless, you can continue to enjoy your NCD even after you make any of the following claims:&nbsp;<\/p>\n\n\n\n<ul><li>No-fault damage claim<\/li><li>Windscreen claim (with additional cover)<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Too_many_accidents_history_will_increase_insurance_premium_rates\"><\/span>Too many accidents history will increase insurance premium rates<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Some factors that affect your auto insurance premiums include your driving record. Your car insurance premium is likely to be higher than someone with a clean driving record if you&#8217;ve been in multiple accidents. If you often violate traffic rules and run into road accidents, your insurance premium will likely be higher as your insurer will consider you a high-risk driver.<\/p>\n\n\n\n<p>In contrast, if you are a good driver and have a squeaky-clean driving record, your car insurance premium will likely be lower.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Be_careful_when_filing_insurance_claims\"><\/span>Be careful when filing insurance claims<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are times when it is advisable to file an insurance claim. Making multiple claims may cause your insurer to raise your rates or decide not to renew your policy at the end of your term.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><em><em><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><\/em><\/em><\/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=how-will-car-accident-affect-your-insurance-premium\" 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><strong>Also read:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/a-guide-to-no-claim-discount-ncd\/\">A Guide To No Claim Discount (NCD)<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-claims-in-malaysia\/\">Car Insurance Claims in Malaysia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/how-many-times-can-you-file-for-insurance-claims\/\">How Many Times Can You File for Insurance Claims?<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Can a car accident lead to an increase in your insurance premium? <\/p>\n<p>Read on as we explain how it does impact your insurance cost!<\/p>\n","protected":false},"author":7,"featured_media":34603,"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>How Will Car Accident Affect Your Insurance Premium? | BJAK<\/title>\n<meta name=\"description\" content=\"Can a car accident lead to an increase in your insurance premium? Read on as we explain how it does impact your insurance cost!\" \/>\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\/how-will-car-accident-affect-your-insurance-premium\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Will Car Accident Affect Your Insurance Premium? | BJAK\" \/>\n<meta property=\"og:description\" content=\"Can a car accident lead to an increase in your insurance premium? Read on as we explain how it does impact your insurance cost!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium\" \/>\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=\"2022-08-24T08:35:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-17T07:04:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/photo_2022-08-24-16.31.39.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! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#primaryimage\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/photo_2022-08-24-16.31.39.jpeg?fit=1600%2C1012&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/photo_2022-08-24-16.31.39.jpeg?fit=1600%2C1012&ssl=1\",\"width\":1600,\"height\":1012,\"caption\":\"How Will Car Accident Affect Your Insurance Premium?\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium\",\"name\":\"How Will Car Accident Affect Your Insurance Premium? | BJAK\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#primaryimage\"},\"datePublished\":\"2022-08-24T08:35:58+00:00\",\"dateModified\":\"2025-09-17T07:04:16+00:00\",\"description\":\"Can a car accident lead to an increase in your insurance premium? Read on as we explain how it does impact your insurance cost!\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Will Car Accident Affect Your Insurance Premium?\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/61a67d540bcf28158825938f12c23476\"},\"headline\":\"How Will Car Accident Affect Your Insurance Premium?\",\"datePublished\":\"2022-08-24T08:35:58+00:00\",\"dateModified\":\"2025-09-17T07:04:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#webpage\"},\"wordCount\":677,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/photo_2022-08-24-16.31.39.jpeg?fit=1600%2C1012&ssl=1\",\"keywords\":[\"Car insurance\",\"EN\"],\"articleSection\":[\"Car Insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/61a67d540bcf28158825938f12c23476\",\"name\":\"Nurul\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/efe7c28f15006a16066c9be6282f5f7b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/efe7c28f15006a16066c9be6282f5f7b?s=96&d=mm&r=g\",\"caption\":\"Nurul\"},\"description\":\"I write to express.\",\"url\":\"https:\/\/bjak.my\/blog\/author\/nurulazwamohdaris\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How Will Car Accident Affect Your Insurance Premium? | BJAK","description":"Can a car accident lead to an increase in your insurance premium? Read on as we explain how it does impact your insurance cost!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium","og_locale":"en_US","og_type":"article","og_title":"How Will Car Accident Affect Your Insurance Premium? | BJAK","og_description":"Can a car accident lead to an increase in your insurance premium? Read on as we explain how it does impact your insurance cost!","og_url":"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2022-08-24T08:35:58+00:00","article_modified_time":"2025-09-17T07:04:16+00:00","og_image":[{"width":1600,"height":1012,"url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/photo_2022-08-24-16.31.39.jpeg?fit=1600%2C1012&ssl=1","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"Nurul","Est. reading time":"4 minutes"},"schema":{"@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! Fastest way to renew in Malaysia!","publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bjak.my\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#primaryimage","url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/photo_2022-08-24-16.31.39.jpeg?fit=1600%2C1012&ssl=1","contentUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/photo_2022-08-24-16.31.39.jpeg?fit=1600%2C1012&ssl=1","width":1600,"height":1012,"caption":"How Will Car Accident Affect Your Insurance Premium?"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#webpage","url":"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium","name":"How Will Car Accident Affect Your Insurance Premium? | BJAK","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#primaryimage"},"datePublished":"2022-08-24T08:35:58+00:00","dateModified":"2025-09-17T07:04:16+00:00","description":"Can a car accident lead to an increase in your insurance premium? Read on as we explain how it does impact your insurance cost!","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"How Will Car Accident Affect Your Insurance Premium?"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/61a67d540bcf28158825938f12c23476"},"headline":"How Will Car Accident Affect Your Insurance Premium?","datePublished":"2022-08-24T08:35:58+00:00","dateModified":"2025-09-17T07:04:16+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#webpage"},"wordCount":677,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/how-will-car-accident-affect-your-insurance-premium#primaryimage"},"thumbnailUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/photo_2022-08-24-16.31.39.jpeg?fit=1600%2C1012&ssl=1","keywords":["Car insurance","EN"],"articleSection":["Car Insurance"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/61a67d540bcf28158825938f12c23476","name":"Nurul","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/efe7c28f15006a16066c9be6282f5f7b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/efe7c28f15006a16066c9be6282f5f7b?s=96&d=mm&r=g","caption":"Nurul"},"description":"I write to express.","url":"https:\/\/bjak.my\/blog\/author\/nurulazwamohdaris"}]}},"jetpack_featured_media_url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/photo_2022-08-24-16.31.39.jpeg?fit=1600%2C1012&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/34547"}],"collection":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=34547"}],"version-history":[{"count":15,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/34547\/revisions"}],"predecessor-version":[{"id":51508,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/34547\/revisions\/51508"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/34603"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=34547"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=34547"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=34547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}