{"id":37732,"date":"2023-05-16T20:00:11","date_gmt":"2023-05-16T12:00:11","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=37732"},"modified":"2025-09-17T12:55:19","modified_gmt":"2025-09-17T04:55:19","slug":"car-insurance-premium-the-effect-of-car-accident-on-it","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it","title":{"rendered":"Car Insurance Premium: The Effect of Car Accident On It"},"content":{"rendered":"\n<p>Car insurance is your ultimate wingman, providing a safety net that ensures you don&#8217;t get stranded after an accident. In exchange for a premium, the insurer guarantees coverage as specified in your <a href=\"https:\/\/bjak.my\/blog\/car-policy-price\/\">car policy<\/a>. Think of it as having a superhero by your side, ready to swoop in and save the day. <\/p>\n\n\n\n<p>But wait, before you hit the panic button and file a claim, keep in mind that doing so can impact your insurance premium. So, keep reading to find out about the effects of car accidents on your car 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-69d928cdf2b9f\" 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-69d928cdf2b9f\"><\/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-premium-the-effect-of-car-accident-on-it\/#Will_an_accident_increase_car_insurance_premiums\" title=\"Will an accident increase car insurance premiums?\">Will an accident increase car insurance premiums?<\/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-premium-the-effect-of-car-accident-on-it\/#Types_of_claims\" title=\"Types of claims\">Types of claims<\/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-premium-the-effect-of-car-accident-on-it\/#No-claim_Discount_NCD\" title=\"No-claim Discount (NCD)\">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-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it\/#Frequent_accidents_summons\" title=\"Frequent accidents &amp; summons\">Frequent accidents &amp; summons<\/a><\/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\/car-insurance-premium-the-effect-of-car-accident-on-it\/#Must_you_disclose_previous_car_accidents_to_your_insurer\" title=\"Must you disclose previous car accidents to your insurer?\">Must you disclose previous car accidents to your insurer?<\/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\/car-insurance-premium-the-effect-of-car-accident-on-it\/#Be_cautious_when_you_make_a_claim\" title=\"Be cautious when you make a claim\">Be cautious when you make a claim<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Will_an_accident_increase_car_insurance_premiums\"><\/span>Will an accident increase car insurance premiums?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Unfortunately, YES. When you file a claim, it&#8217;s highly probable that your <a href=\"https:\/\/bjak.my\/blog\/auto-insurance-grab-paylater\/\">auto insurance<\/a> rate will shoot up. Plus, you may kiss your hard-earned No Claims Discount (NCD) goodbye. Although, the extent of the damage to your NCD hinges on the nature of the claim you made.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Types_of_claims\"><\/span>Types of claims<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"39016\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/unnamed-driver-accident-find-out-if-you-can-claim-insurance\/attachment\/stethoscope-with-red-car-on-insurance-claim-accident-car-form\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/640-stethoscope-with-red-car-on-insurance-claim-accident-car-form-car-loan-insurance-and-leasing-time-concepts.jpg?fit=640%2C427&amp;ssl=1\" data-orig-size=\"640,427\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;5.6&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;ILCE-7M3&quot;,&quot;caption&quot;:&quot;Stethoscope with red car on Insurance  claim accident car form, Car loan, insurance and leasing time concepts.&quot;,&quot;created_timestamp&quot;:&quot;1635822930&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;50&quot;,&quot;iso&quot;:&quot;100&quot;,&quot;shutter_speed&quot;:&quot;0.01&quot;,&quot;title&quot;:&quot;Stethoscope with red car on Insurance  claim accident car form,&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/640-stethoscope-with-red-car-on-insurance-claim-accident-car-form-car-loan-insurance-and-leasing-time-concepts.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/640-stethoscope-with-red-car-on-insurance-claim-accident-car-form-car-loan-insurance-and-leasing-time-concepts.jpg?fit=640%2C427&amp;ssl=1\" loading=\"lazy\" width=\"640\" height=\"427\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/640-stethoscope-with-red-car-on-insurance-claim-accident-car-form-car-loan-insurance-and-leasing-time-concepts.jpg?resize=640%2C427&#038;ssl=1\" alt=\"Car insurance claim\" class=\"wp-image-39016\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/640-stethoscope-with-red-car-on-insurance-claim-accident-car-form-car-loan-insurance-and-leasing-time-concepts.jpg?w=640&amp;ssl=1 640w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/640-stethoscope-with-red-car-on-insurance-claim-accident-car-form-car-loan-insurance-and-leasing-time-concepts.jpg?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>If you&#8217;re found to be at fault for a car accident, your car insurance premium could skyrocket at your next renewal.<\/p>\n\n\n\n<p>This type of claim, known as an <strong>&#8220;at-fault claim<\/strong>,&#8221; is added to your insurance history when you&#8217;re deemed responsible for the accident due to your negligence &#8211; such as hitting another car or damaging your vehicle by colliding with a fixed object. But don&#8217;t worry &#8211; not all claims will have the same impact on your premiums.<\/p>\n\n\n\n<p>If the accident wasn&#8217;t your fault, for instance, you may be able to make a &#8220;<strong>non-fault claim&#8221;<\/strong> without any negative consequences on your rates.<\/p>\n\n\n\n<p>Essentially, this means that the fault lies entirely with the other party involved. For instance, if your car was minding its own business and got hit by a speedster or a rule-breaker, you could potentially file a claim with the other driver&#8217;s insurance company. That way, their insurer can take care of your expenses, and you can get back to cruising without any unnecessary stress.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"No-claim_Discount_NCD\"><\/span>No-claim Discount (NCD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your NCD rate will increase over time, which means you&#8217;ll pay less for your car insurance premium. But beware, if you do have an accident and make an at-fault claim, your NCD years could take a hit. Consequently, you&#8217;ll likely see a basic increase in your premium. <\/p>\n\n\n\n<p>Don&#8217;t worry though. You can still benefit from your NCD even if you make a no-fault damage claim or a windscreen claim (with additional cover). Just keep in mind that your NCD is applied after your premium is calculated. So, while it won&#8217;t disappear but your overall cost may still go up.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Frequent_accidents_summons\"><\/span>Frequent accidents &amp; summons<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you&#8217;ve been involved in a number of car accidents or you have a habit of breaking traffic rules, you&#8217;re more likely to be considered a high-risk driver. This means you&#8217;ll have to pay higher premiums because insurers see you as a liability. On the other hand, if you&#8217;re a safe and responsible driver with a spotless driving record, you can expect to pay less for your <a href=\"https:\/\/bjak.my\/blog\/is-it-safe-to-purchase-car-insurance-policy-online\/\">car insurance<\/a>. So, drive safely and watch those premiums drop!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Must_you_disclose_previous_car_accidents_to_your_insurer\"><\/span>Must you disclose previous car accidents to your insurer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Well, sorry to burst your bubble, but you have to spill the beans about any previous car accidents you&#8217;ve been involved in according to the requirements of your insurance provider. This is regardless of whether or not you were at fault, or if you didn&#8217;t file a claim. Don&#8217;t forget to include any incidents that occurred while driving a company vehicle.<\/p>\n\n\n\n<p>Keeping quiet about previous accidents is a recipe for disaster, as it can result in your coverage being invalidated. So, to ensure that you&#8217;re fully covered, it&#8217;s always best to be truthful and upfront about your driving history.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Be_cautious_when_you_make_a_claim\"><\/span>Be cautious when you make a claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sometimes it&#8217;s smart to make an insurance claim, but be careful not to go overboard! If you start filing too many claims, your insurer might get spooked. <\/p>\n\n\n\n<p>They may jack up your rates or give you the boot when it&#8217;s time to renew your policy. So, keep an eye on your claims and make sure you&#8217;re only using your coverage when you really need it!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em data-l-s=\"67471\"><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison sites, with more than 10 insurance brands to choose from. Get your free insurance quote at Bjak today!<\/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-insurance-premium-the-effect-of-car-accident-on-it\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get A 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\/road-accidents-the-most-common-causes\/\" target=\"_blank\" rel=\"noreferrer noopener\">Road Accidents: The Most Common Causes<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-add-ons-types-of-extra-protection-you-can-pick\/\">Car Insurance Add-Ons: Types of Extra Protection You Can Pick<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/guide-to-car-insurance-the-must-know-things\/\">Guide to Car Insurance: The Must-Know Things<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Curious if an accident can send your car insurance premium skyrocketing? Keep reading to unveil the mystery behind this burning question!<\/p>\n","protected":false},"author":20,"featured_media":37815,"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>Car Insurance Premium: The Effect of Car Accident On It<\/title>\n<meta name=\"description\" content=\"Curious if an accident can send your car insurance premium skyrocketing? Keep reading to unveil the mystery behind this burning question!\" \/>\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-premium-the-effect-of-car-accident-on-it\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Insurance Premium: The Effect of Car Accident On It\" \/>\n<meta property=\"og:description\" content=\"Curious if an accident can send your car insurance premium skyrocketing? Keep reading to unveil the mystery behind this burning question!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it\" \/>\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=\"2023-05-16T12:00:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-17T04:55:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/photo1684297223.jpeg?fit=1280%2C809&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"809\" \/>\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=\"Waydi\" \/>\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\/car-insurance-premium-the-effect-of-car-accident-on-it#primaryimage\",\"url\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/photo1684297223.jpeg?fit=1280%2C809&ssl=1\",\"contentUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/photo1684297223.jpeg?fit=1280%2C809&ssl=1\",\"width\":1280,\"height\":809,\"caption\":\"Find out how a car accident can affect your car insurance premium!\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it\",\"name\":\"Car Insurance Premium: The Effect of Car Accident On It\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#primaryimage\"},\"datePublished\":\"2023-05-16T12:00:11+00:00\",\"dateModified\":\"2025-09-17T04:55:19+00:00\",\"description\":\"Curious if an accident can send your car insurance premium skyrocketing? Keep reading to unveil the mystery behind this burning question!\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Car Insurance Premium: The Effect of Car Accident On It\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/9e53bbffee2e178662ba744e1cc8ce26\"},\"headline\":\"Car Insurance Premium: The Effect of Car Accident On It\",\"datePublished\":\"2023-05-16T12:00:11+00:00\",\"dateModified\":\"2025-09-17T04:55:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#webpage\"},\"wordCount\":740,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/photo1684297223.jpeg?fit=1280%2C809&ssl=1\",\"keywords\":[\"Car insurance\",\"EN\"],\"articleSection\":[\"Car Insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/9e53bbffee2e178662ba744e1cc8ce26\",\"name\":\"Waydi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/5ce52a2c7dce34d86a9a298060ca8ed8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/5ce52a2c7dce34d86a9a298060ca8ed8?s=96&d=mm&r=g\",\"caption\":\"Waydi\"},\"url\":\"https:\/\/bjak.my\/blog\/author\/waydi\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Car Insurance Premium: The Effect of Car Accident On It","description":"Curious if an accident can send your car insurance premium skyrocketing? Keep reading to unveil the mystery behind this burning question!","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\/car-insurance-premium-the-effect-of-car-accident-on-it","og_locale":"en_US","og_type":"article","og_title":"Car Insurance Premium: The Effect of Car Accident On It","og_description":"Curious if an accident can send your car insurance premium skyrocketing? Keep reading to unveil the mystery behind this burning question!","og_url":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2023-05-16T12:00:11+00:00","article_modified_time":"2025-09-17T04:55:19+00:00","og_image":[{"width":1280,"height":809,"url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/photo1684297223.jpeg?fit=1280%2C809&ssl=1","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"Waydi","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\/car-insurance-premium-the-effect-of-car-accident-on-it#primaryimage","url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/photo1684297223.jpeg?fit=1280%2C809&ssl=1","contentUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/photo1684297223.jpeg?fit=1280%2C809&ssl=1","width":1280,"height":809,"caption":"Find out how a car accident can affect your car insurance premium!"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#webpage","url":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it","name":"Car Insurance Premium: The Effect of Car Accident On It","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#primaryimage"},"datePublished":"2023-05-16T12:00:11+00:00","dateModified":"2025-09-17T04:55:19+00:00","description":"Curious if an accident can send your car insurance premium skyrocketing? Keep reading to unveil the mystery behind this burning question!","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Car Insurance Premium: The Effect of Car Accident On It"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/9e53bbffee2e178662ba744e1cc8ce26"},"headline":"Car Insurance Premium: The Effect of Car Accident On It","datePublished":"2023-05-16T12:00:11+00:00","dateModified":"2025-09-17T04:55:19+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#webpage"},"wordCount":740,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-premium-the-effect-of-car-accident-on-it#primaryimage"},"thumbnailUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/photo1684297223.jpeg?fit=1280%2C809&ssl=1","keywords":["Car insurance","EN"],"articleSection":["Car Insurance"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/9e53bbffee2e178662ba744e1cc8ce26","name":"Waydi","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/5ce52a2c7dce34d86a9a298060ca8ed8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5ce52a2c7dce34d86a9a298060ca8ed8?s=96&d=mm&r=g","caption":"Waydi"},"url":"https:\/\/bjak.my\/blog\/author\/waydi"}]}},"jetpack_featured_media_url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/photo1684297223.jpeg?fit=1280%2C809&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/37732"}],"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\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=37732"}],"version-history":[{"count":11,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/37732\/revisions"}],"predecessor-version":[{"id":51445,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/37732\/revisions\/51445"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/37815"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=37732"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=37732"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=37732"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}