{"id":38064,"date":"2023-05-24T15:42:10","date_gmt":"2023-05-24T07:42:10","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=38064"},"modified":"2025-09-12T19:31:41","modified_gmt":"2025-09-12T11:31:41","slug":"car-underinsurance-the-risks-of-not-insuring-enough","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-underinsurance-the-risks-of-not-insuring-enough","title":{"rendered":"Car Underinsurance: The Risks Of Not Insuring Enough"},"content":{"rendered":"\n<p>Car underinsurance occurs when the value you insured your assets for falls short or lower than their true market worth. For example, if you own a BMW car worth RM300,000 but instead of purchasing insurance coverage for its true value, you opt for coverage equivalent to that of a Proton Saga worth a mere RM 46,500. So, what does this mean for you? <\/p>\n\n\n\n<p>In the unfortunate event of any mishap, the compensation offer will be based on the value of a Proton Saga, or perhaps even less! It&#8217;s crucial to understand the implications of being underinsured and ensure your assets are adequately protected. So, let&#8217;s find out some of the risks you may face! <\/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-69d7b0b064db2\" 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-69d7b0b064db2\"><\/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-underinsurance-the-risks-of-not-insuring-enough\/#What_happens_when_you_underinsure\" title=\"What happens when you underinsure?\">What happens when you underinsure?<\/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-underinsurance-the-risks-of-not-insuring-enough\/#Car_is_stolen\" title=\"Car is stolen\">Car is stolen<\/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-underinsurance-the-risks-of-not-insuring-enough\/#Car_damage\" title=\"Car damage\">Car damage<\/a><\/li><\/ul><\/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-underinsurance-the-risks-of-not-insuring-enough\/#Be_cautious_of_lower-priced_insurance_premiums\" title=\"Be cautious of lower-priced insurance premiums!\">Be cautious of lower-priced insurance premiums!<\/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-underinsurance-the-risks-of-not-insuring-enough\/#How_to_check_a_car%E2%80%99s_market_value\" title=\"How to check a car\u2019s market value?\">How to check a car\u2019s market value?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_happens_when_you_underinsure\"><\/span>What happens when you underinsure?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Car_is_stolen\"><\/span><strong>Car is stolen<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If your car is ever stolen, you will only be able to receive compensation for your car&#8217;s sum insured. But the amount may not be enough to settle your car loan. So you might still owe the bank the amount for your car&#8217;s loan. Since your car was not adequately insured, <strong>you still have to make payments to the bank for a car that you no longer own<\/strong>.<\/p>\n\n\n\n<p>This situation arose because the claim from the sum insured was insufficient to settle your car loan!<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Car_damage\"><\/span><strong>Car damage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The same rule applies in the case of your car being damaged. Unless you are wealthy and have enough funds to cover the repairs, you will be responsible for paying the remaining amount not covered by the insurance.<\/p>\n\n\n\n<p>For example, you own a car worth RM60,000. However, a mishap occurred when you made the decision to underinsure your car, settling for coverage of only RM40,000. Fast forward one year, and an unfortunate accident happens, necessitating a claim on your comprehensive policy. To your dismay, the damage requires an amount of RM10,000 to repair, yet the market value of your car has dropped slightly to RM55,000 by the time you submit your claim.<\/p>\n\n\n\n<p>With the implementation of the <strong>average clause<\/strong>, your reimbursement will be limited to RM7,272 instead of the full loss amount of RM10,000. Consequently, you will be responsible for covering the remaining shortfall of RM2,728 using your own funds.<\/p>\n\n\n\n<p>The application of the <strong>average clause<\/strong> is relevant due to the fact that your car is insured for a value lower than its actual worth.<\/p>\n\n\n\n<p>You can find out the average clause figure by using the following formula:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized is-style-default\"><img data-attachment-id=\"38068\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-underinsurance-the-risks-of-not-insuring-enough\/attachment\/average-claim\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/average-claim.jpg?fit=601%2C108&amp;ssl=1\" data-orig-size=\"601,108\" 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;1684707092&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=\"average-claim\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/average-claim.jpg?fit=300%2C54&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/average-claim.jpg?fit=601%2C108&amp;ssl=1\" loading=\"lazy\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/average-claim.jpg?resize=652%2C117&#038;ssl=1\" alt=\"calculation to determine the average clause amount to know if you car is under-insured.\" class=\"wp-image-38068\" width=\"652\" height=\"117\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/average-claim.jpg?w=601&amp;ssl=1 601w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/average-claim.jpg?resize=300%2C54&amp;ssl=1 300w\" sizes=\"(max-width: 652px) 100vw, 652px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Be_cautious_of_lower-priced_insurance_premiums\"><\/span>Be cautious of lower-priced insurance premiums!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This is an unfortunate circumstance that can occur to anyone. In reality, numerous individuals are unaware that they have insufficient insurance coverage for their vehicles and heavily rely on agents for policy renewals.<\/p>\n\n\n\n<p>Now, let&#8217;s be clear, not all agents are guilty of this, but it&#8217;s absolutely vital that you empower yourself with knowledge and ensure your vehicle is safeguarded at its true market value. Don&#8217;t let yourself fall victim to the trickery of cheaper premiums \u2013 take charge of your protection!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_to_check_a_car%E2%80%99s_market_value\"><\/span>How to check a car\u2019s market value?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When you apply for insurance online, the majority of insurance websites will automatically determine the market value of your vehicle.<\/p>\n\n\n\n<p>Alternatively, you can also use these websites to find out the market value of your car:<\/p>\n\n\n\n<ul><li>CarBase.my<\/li><li>MyCarInfo<\/li><\/ul>\n\n\n\n<p>Take action now to safeguard yourself and your beloved car from the risks of underinsurance. Don&#8217;t wait any longer\u2014 secure the proper coverage and shield your vehicle!<\/p>\n\n\n\n<p>Visit Bjak now at&nbsp;<a href=\"https:\/\/bjak.my\/\">https:\/\/bjak.my<\/a>\/&nbsp;to enjoy exclusive discounts, attractive prices and benefits for your car insurance without any hassle!<\/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-underinsurance-the-risks-of-not-insuring-enough\" 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 data-l-s=\"32051\">Read more:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/no-claim-discount-ncd-drive-safely-and-save-more\/\">No-Claim Discount (NCD): Drive Safely and Save More<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/accident-with-an-uninsured-vehicle-learn-what-to-do\/\">Accident With An Uninsured Vehicle? Learn What To Do<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-premium-the-affect-of-car-accident-on-it\/\">Car Insurance Premium: The Affect of Car Accident on It<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Discover the risks of car underinsurance and the consequences you could face by not having enough coverage for your car!<\/p>\n","protected":false},"author":20,"featured_media":38233,"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 Underinsurance: The Risks Of Not Insuring Enough | BJAK<\/title>\n<meta name=\"description\" content=\"Discover the risks of car underinsurance and the consequences you could face by not having enough coverage for your car!\" \/>\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-underinsurance-the-risks-of-not-insuring-enough\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Underinsurance: The Risks Of Not Insuring Enough | BJAK\" \/>\n<meta property=\"og:description\" content=\"Discover the risks of car underinsurance and the consequences you could face by not having enough coverage for your car!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/car-underinsurance-the-risks-of-not-insuring-enough\" \/>\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=\"2023-05-24T07:42:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-12T11:31:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/photo_6301012964114805793_y.jpg?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=\"3 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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