{"id":37869,"date":"2023-05-19T10:53:47","date_gmt":"2023-05-19T02:53:47","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=37869"},"modified":"2025-09-17T12:50:24","modified_gmt":"2025-09-17T04:50:24","slug":"car-insurance-deductible","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-deductible","title":{"rendered":"Car Insurance Deductible: What Is It And How Does It Work?"},"content":{"rendered":"\n<p>Getting car insurance can be daunting for first-timers as they&#8217;re bombarded with a lot of new information. One of them is deductible. <\/p>\n\n\n\n<p>Many new car owners don&#8217;t understand how it works and face issues when submitting a claim. So, here&#8217;s a quick guide to help you understand the basics of the car insurance deductible.   <\/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-69e1a34edaabd\" 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-69e1a34edaabd\"><\/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-deductible\/#What_is_deductible_in_car_insurance\" title=\"What is deductible in car insurance?\">What is deductible in 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-deductible\/#How_does_it_work\" title=\"How does it work?\">How does it work?<\/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-deductible\/#When_do_you_pay_the_deductible\" title=\"When do you pay the deductible?\">When do you pay the deductible?<\/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-deductible\/#What_if_my_deductible_is_more_than_the_cost_of_repair\" title=\"What if my deductible is more than the cost of repair?\">What if my deductible is more than the cost of repair?<\/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-deductible\/#Car_insurance_deductible\" title=\"Car insurance deductible\">Car insurance deductible<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_deductible_in_car_insurance\"><\/span>What is deductible in car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A deductible in car insurance is the amount you must pay on your own for repairs after an accident. It&#8217;s a predetermined amount that you agree to pay before your insurance company starts providing compensation for losses.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"40846\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-deductible\/attachment\/fb-en-5-22-26-2-copy\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/FB-EN-5-22-26-2-Copy.jpg?fit=409%2C158&amp;ssl=1\" data-orig-size=\"409,158\" 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;1684922703&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;1&quot;}\" data-image-title=\"FB-EN-5-22-26-2-Copy\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/FB-EN-5-22-26-2-Copy.jpg?fit=300%2C116&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/FB-EN-5-22-26-2-Copy.jpg?fit=409%2C158&amp;ssl=1\" loading=\"lazy\" width=\"409\" height=\"158\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/FB-EN-5-22-26-2-Copy.jpg?resize=409%2C158&#038;ssl=1\" alt=\"Car insurance\" class=\"wp-image-40846\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/FB-EN-5-22-26-2-Copy.jpg?w=409&amp;ssl=1 409w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/FB-EN-5-22-26-2-Copy.jpg?resize=300%2C116&amp;ssl=1 300w\" sizes=\"(max-width: 409px) 100vw, 409px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Let&#8217;s say you have a <a href=\"https:\/\/bjak.my\/blog\/understand-your-car-insurance-policy\/\">car insurance policy<\/a> with an RM500 deductible, and you get into an accident that causes RM3,000 worth of damage to your car. In this case, you are responsible for paying the first RM500; your insurance company will cover the remaining RM2,500.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_does_it_work\"><\/span>How does it work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Clients can usually select the deductible amount when they purchase auto insurance. Depending on the policy and insurance provider, the amount can be higher or lower. <\/p>\n\n\n\n<p>Normally, higher deductibles mean clients will pay lower insurance premiums because they take in more risk. But, you should always consider your financial situation before deciding on how much deductible to go for.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"When_do_you_pay_the_deductible\"><\/span>When do you pay the deductible?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img data-attachment-id=\"39431\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/auto-life-insurance\/attachment\/auto-insurance\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Auto-insurance.png?fit=617%2C409&amp;ssl=1\" data-orig-size=\"617,409\" 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=\"\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Auto-insurance.png?fit=300%2C199&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Auto-insurance.png?fit=617%2C409&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Auto-insurance.png?resize=818%2C542&#038;ssl=1\" alt=\"Car insurance policy\" class=\"wp-image-39431\" width=\"818\" height=\"542\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Auto-insurance.png?w=617&amp;ssl=1 617w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Auto-insurance.png?resize=300%2C199&amp;ssl=1 300w\" sizes=\"(max-width: 818px) 100vw, 818px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Unlike medical insurance, you don&#8217;t have to pay an annual deductible amount for car insurance. You are only responsible for the amount stated in your policy each time you file a claim. After you pay the specified amount, your <a href=\"https:\/\/bjak.my\/blog\/liberty-car-insurance\/\">car insurance company<\/a> will cover the remaining cost of repair or replacement.<\/p>\n\n\n\n<p>When your claim is approved, your deductible will usually be applied once the insurance company issues the payment. The insurer will deduct the amount from the approved claim amount. Let&#8217;s say the approved claim amount is RM5,000, and your car insurance deductible rate is RM500, so your insurer will issue you a payment for only RM4,500.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_if_my_deductible_is_more_than_the_cost_of_repair\"><\/span>What if my deductible is more than the cost of repair?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"40675\" data-permalink=\"https:\/\/bjak.my\/blog\/%e8%b5%84%e8%ae%af\/6%e4%b8%aa%e5%af%bc%e8%87%b4%e6%b1%bd%e8%bd%a6%e4%bf%9d%e5%9b%ba%e5%a4%b1%e6%95%88%e7%9a%84%e5%8e%9f%e5%9b%a0\/attachment\/blog-photo-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/blog-photo-2.jpg?fit=900%2C545&amp;ssl=1\" data-orig-size=\"900,545\" 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=\"\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/blog-photo-2.jpg?fit=300%2C182&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/blog-photo-2.jpg?fit=900%2C545&amp;ssl=1\" loading=\"lazy\" width=\"900\" height=\"545\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/blog-photo-2.jpg?resize=900%2C545&#038;ssl=1\" alt=\"Car insurance company\" class=\"wp-image-40675\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/blog-photo-2.jpg?w=900&amp;ssl=1 900w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/blog-photo-2.jpg?resize=300%2C182&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/07\/blog-photo-2.jpg?resize=768%2C465&amp;ssl=1 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>If your <a href=\"https:\/\/bjak.my\/blog\/guide-to-car-insurance-the-must-know-things\/\">car insurance<\/a> deductible is higher than the cost of damage, then you will pay the entire cost of repair using your own money. This is because insurance companies only cover damages that exceed your deductible amount. <\/p>\n\n\n\n<p>For example, your repair cost is RM700, and your deductible is RM1000. In this case, you will pay the entire repair cost on your own because the cost of repair is less than your deductible. So you don&#8217;t need to file an insurance claim.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Car_insurance_deductible\"><\/span>Car insurance deductible<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Understanding how deductible works is important if you&#8217;re a car owner, so you can pick the right insurance plan and know when to file a claim. Overlooking important elements like this can save time because the claims process can be tedious.<\/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=car-insurance-deductible\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"47162\">Renew Online<\/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><strong><em><a href=\"https:\/\/bjak.my\/blog\/autolife-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">What Is Autolife Insurance?<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/travel-insurance-claims\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Avoid Travel Insurance Claims Rejection<\/a><\/em><\/strong><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-premium\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Why Your Car Insurance Premium Can Go Up?<\/em><\/strong><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Learn about car insurance deductible before you purchase an insurance policy or file a claim in the event of an accident.<\/p>\n","protected":false},"author":19,"featured_media":40844,"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 - 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