{"id":35114,"date":"2022-10-07T10:20:03","date_gmt":"2022-10-07T02:20:03","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=35114"},"modified":"2025-09-17T14:50:20","modified_gmt":"2025-09-17T06:50:20","slug":"car-accident-claim-insurance-or-pay-the-damage-cost","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-accident-claim-insurance-or-pay-the-damage-cost","title":{"rendered":"Car Accident: Claim Insurance Or Pay The Damage Cost?"},"content":{"rendered":"\n<p>Road incidents can happen at any time, from light to severe crashes. <\/p>\n\n\n\n<p>Those who have insured their vehicle may already have the option to claim insurance to cover the repair cost. Insurance claims are the benefits provided to the insured when the repair cost becomes unbearable.<\/p>\n\n\n\n<p>However, what about a minor accident that causes minimal damage to the car? Should you file a claim or pay with your money?<\/p>\n\n\n\n<p>Read on as we share more about insurance claims.<\/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-69d8cde7e397b\" 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-69d8cde7e397b\"><\/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-accident-claim-insurance-or-pay-the-damage-cost\/#When_do_you_need_to_claim_insurance_after_an_accident\" title=\"When do you need to claim insurance after an accident?\">When do you need to claim insurance after an accident?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-accident-claim-insurance-or-pay-the-damage-cost\/#The_accident_was_not_caused_by_you\" title=\"The accident was not caused by you\">The accident was not caused by you<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-accident-claim-insurance-or-pay-the-damage-cost\/#When_your_NCD_is_unaffected\" title=\"When your NCD is unaffected\">When your NCD is unaffected<\/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\/car-accident-claim-insurance-or-pay-the-damage-cost\/#When_the_accident_is_involving_injuries\" title=\"When the accident is involving injuries\">When the accident is involving injuries<\/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\/car-accident-claim-insurance-or-pay-the-damage-cost\/#When_you_are_unable_to_cover_the_repair_cost\" title=\"When you are unable to cover the repair cost\">When you are unable to cover the repair cost<\/a><\/li><\/ul><\/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\/car-accident-claim-insurance-or-pay-the-damage-cost\/#When_do_you_need_to_pay_for_the_repair_cost_yourself\" title=\"When do you need to pay for the repair cost yourself?\">When do you need to pay for the repair cost yourself?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-accident-claim-insurance-or-pay-the-damage-cost\/#To_retain_your_NCD_rates\" title=\"To retain your NCD rates\">To retain your NCD rates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-accident-claim-insurance-or-pay-the-damage-cost\/#To_maintain_your_status_as_a_low-risk_driver\" title=\"To maintain your status as a low-risk driver\">To maintain your status as a low-risk driver<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-accident-claim-insurance-or-pay-the-damage-cost\/#Evaluate_before_opting_to_claim_insurance\" title=\"Evaluate before opting to claim insurance\">Evaluate before opting to claim insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"When_do_you_need_to_claim_insurance_after_an_accident\"><\/span>When do you need to claim insurance after an accident?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh5.googleusercontent.com\/uDjQzcUMsmF4_XE3Rio1QwPJNIJ2oJTwi06SLe2suYtEnzXIVhQBTT3QcS1VIor8vKTW6clvxwAjokf77eO9Cil12sxirPg0k6qELLqQovBQ9XIYgQY6gwhfK1H1KlSJWKzpfCaCf9lYHSEsxL6IeuqPW9Umjt9J-UYKPRM8g_Bp9Mps38cKh6xfDA\" alt=\"tuntutan insurans\"\/><\/figure>\n\n\n\n<p><em>\u201cAccident? Car damage? Just file an insurance claim!\u201d<\/em><\/p>\n\n\n\n<p>Yes, you may file an <a href=\"https:\/\/bjak.my\/blog\/car-insurance-claims-in-malaysia\/\">insurance claim<\/a> if the coverage is included in your policy. However, please note that the claim records following accidents under certain circumstances will affect your insurance premium in the following years.<\/p>\n\n\n\n<p>How do you know whether or not an insurance claim will affect your premium? What are the excluded circumstances? Read as we will share more.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"The_accident_was_not_caused_by_you\"><\/span>The accident was not caused by you<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh4.googleusercontent.com\/GMmufJvBJLV8NgcNNncPgNc8-McRPJ4JF55iJUj4Q5IJVoF9UB9vBrK2olq2RghMEPu2Z1pc6BKdw3_6cuYc0aIEFT2ll0bXkoGPz5HbxCYkTQ_WoIpnkszj_e3WZqY9Fy5cUCUnbl7s7LQEjSXEiolap72cw81NOMJNqBq6R8qZZpJbvDmUw4QZQw\" alt=\"kemalangan kereta\"\/><\/figure>\n\n\n\n<p>You may file an insurance claim to cover the vehicle&#8217;s damage cost in the event of an accident that was not due to your negligence. In this situation, your claim will not affect your car&#8217;s NCD.<\/p>\n\n\n\n<p><em>&#8220;But, I don&#8217;t know who is at fault..&#8221;<\/em><\/p>\n\n\n\n<p>If you are unsure who is at fault in an accident, you may proceed to inform your insurer first. Most <a href=\"https:\/\/bjak.my\/blog\/comprehensive-car-insurance\/\">comprehensive insurance<\/a> plans have benefits for liability defence. Prior to possible legal means, your insurance plan can cover part of your litigation fees.<\/p>\n\n\n\n<p>In contrast, if you do not file a claim or inform your insurance company, you may not be able to receive such a benefit.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"When_your_NCD_is_unaffected\"><\/span>When your NCD is unaffected<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Say if the accident was not caused by you &#8211; you are liable to file a third-party claim or knock-for-knock claim.<\/p>\n\n\n\n<p>The claim is made against the involved party and not under your policy. That means your NCD and the following insurance premium will not be affected. <\/p>\n\n\n\n<p>The same goes in case you want to file a claim to repair the windscreen. However, with the condition that you purchase additional windscreen coverage in your <a href=\"https:\/\/bjak.my\/blog\/car-policy-price\/\">car policy<\/a>. Claiming insurance for a damaged windscreen without the add-on coverage will cause your premium to soar.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"When_the_accident_is_involving_injuries\"><\/span>When the accident is involving injuries<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You can predict neither the extent of the injuries nor the medical costs that will have to be incurred as a result of the accident.<\/p>\n\n\n\n<p>Therefore, you better file an insurance claim or report the incident should it involves any injuries. Skipping this may land you in trouble. You may have to cover the medical expenses or the repair cost yourself.<\/p>\n\n\n\n<p>As mentioned, most comprehensive insurance plans offer benefits for litigation involving third-party liability (if no exception is included). Consequently, you are encouraged to report the incident to the insurance company rather than just making a police report.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"When_you_are_unable_to_cover_the_repair_cost\"><\/span>When you are unable to cover the repair cost<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You may opt for an insurance claim if the repair cost is unbearable. After all, that is what insurance is for, to relieve the financial burden off your shoulder in case of untoward events.<\/p>\n\n\n\n<p>But, please make sure you report the accident to the police and insurance companies as soon as possible. Putting off the report can cause inconvenience in your claim process. Worst case, your claim may be rejected.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"When_do_you_need_to_pay_for_the_repair_cost_yourself\"><\/span>When do you need to pay for the repair cost yourself?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If it is a minor accident and does not cause any injuries to another party, you may consider paying the repair cost yourself.<\/p>\n\n\n\n<p>In addition to saving your time, your NCD will not be affected as well.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"To_retain_your_NCD_rates\"><\/span>To retain your NCD rates<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No Claim Discount (NCD) is a form of discount that insurers offer if you do not make any claims throughout the coverage period. The rate varies by year, starting at 0% during the first year of car purchase and will reach a maximum percentage of 55% from the sixth year onwards.<\/p>\n\n\n\n<p>In case of a claim following an accident due to your negligence, please note that you will lose your NCD. The rate will return to 0% in the following year.<\/p>\n\n\n\n<p>Therefore, if the repair cost is lower than the estimated discount rate that you can get during next year&#8217;s insurance renewal, you should refrain from making a claim. <\/p>\n\n\n\n<p>Although you are footing the bill for your car repair, at least, you get to keep your accumulated NCD.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"To_maintain_your_status_as_a_low-risk_driver\"><\/span>To maintain your status as a low-risk driver<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your risk profile is one of the factors that will determine your insurance premium.<\/p>\n\n\n\n<p>In addition to age, gender, driving history, and traffic offence record, insurance claims history will also determine whether you are a high or low-risk driver.<\/p>\n\n\n\n<p>You will be a red flag to insurance providers if you have a high record of claiming insurance. Insurers are likely to view you as a high-risk client, thus, may charge you a higher premium amount.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Evaluate_before_opting_to_claim_insurance\"><\/span>Evaluate before opting to claim insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Make sure to evaluate your profit and loss before you want to submit an insurance claim. <\/p>\n\n\n\n<p>Yes, it is your right to file claims at any time. However, make sure it is worth it.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em data-l-s=\"67471\"><em><em data-l-s=\"67471\"><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=car-accident-claim-insurance-or-pay-the-damage-cost\" 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>Read more:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/drivers-risk-are-you-a-high-or-low-risk-driver\/\">Driver\u2019s Risk: Are You A High Or Low-Risk Driver?&nbsp;<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/can-an-insurance-company-refuse-to-insure-your-vehicle\/\">Can An Insurance Company Refuse to Insure Your Vehicle?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/a-guide-to-no-claim-discount-ncd\/\">A Guide To No Claim Discount (NCD)<\/a><\/li><\/ul>\n\n\n\n<p><a href=\"\/#facebook\" rel=\"noreferrer noopener\" target=\"_blank\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Certain circumstances require you to make an insurance claim. What is it? <\/p>\n<p>Find out through this article.<\/p>\n","protected":false},"author":7,"featured_media":35124,"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":[1512,429,59,424],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Accident: Claim Insurance Or Pay The Damage Cost? | BJAK<\/title>\n<meta name=\"description\" content=\"Certain circumstances require you to make an insurance claim. What are these circumstances? 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