{"id":38342,"date":"2023-06-08T15:15:08","date_gmt":"2023-06-08T07:15:08","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=38342"},"modified":"2025-10-29T18:31:09","modified_gmt":"2025-10-29T10:31:09","slug":"vehicle-total-loss-things-that-you-must-know","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/vehicle-total-loss-things-that-you-must-know","title":{"rendered":"Vehicle Total Loss: Things That You Must Know"},"content":{"rendered":"\n<p>Ever wondered what happens when a vehicle gets completely wrecked in an accident? Can you make an insurance claim for it? And how much compensation can you expect?<\/p>\n\n\n\n<p>Well, don&#8217;t worry! This article will walk you through all the essential details about claiming insurance for total loss vehicles. Get ready to uncover everything you need to know!<\/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-69d7b0cac8839\" 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-69d7b0cac8839\"><\/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\/vehicle-total-loss-things-that-you-must-know\/#What_is_a_total_loss_vehicle\" title=\"What is a total loss vehicle?\">What is a total loss vehicle?<\/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\/vehicle-total-loss-things-that-you-must-know\/#When_will_your_vehicle_be_considered_a_total_loss\" title=\"When will your vehicle be considered a total loss?\">When will your vehicle be considered a total loss?<\/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\/vehicle-total-loss-things-that-you-must-know\/#How_much_compensation_will_you_get\" title=\"How much compensation will you get?\">How much compensation will you get?<\/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\/vehicle-total-loss-things-that-you-must-know\/#Who_is_eligible_to_make_a_claim\" title=\"Who is eligible to make a claim?\">Who is eligible to make a claim?<\/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\/vehicle-total-loss-things-that-you-must-know\/#What_will_happen_to_the_total_loss_vehicle\" title=\"What will happen to the total loss vehicle?\">What will happen to the total loss vehicle?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_total_loss_vehicle\"><\/span>What is a total loss vehicle?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are two situations that can determine it:<\/p>\n\n\n\n<ol><li>The vehicle gets stolen.<\/li><li>The vehicle is involved in an accident and gets damaged to the point where it can&#8217;t be fixed or used anymore.<\/li><\/ol>\n\n\n\n<p>Most vehicle owners usually get concerned about the second situation mentioned above.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"When_will_your_vehicle_be_considered_a_total_loss\"><\/span>When will your vehicle be considered a total loss?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It&#8217;s important to grasp that a vehicle becomes a total loss when the repair expenses surpass the vehicle&#8217;s current worth. When an insurance company certifies a car as a total loss, it means the vehicle is considered &#8220;Beyond Economic Repair&#8221;. <\/p>\n\n\n\n<p>This basically means the car is either unsafe, cannot be fixed, or the cost to repair or replace it is more than its actual value.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"38998\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/vehicle-total-loss-things-that-you-must-know\/attachment\/accident-g61850b7ff_1280\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/accident-g61850b7ff_1280.jpg?fit=1280%2C853&amp;ssl=1\" data-orig-size=\"1280,853\" 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=\"vehicle total loss\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/accident-g61850b7ff_1280.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/accident-g61850b7ff_1280.jpg?fit=1080%2C720&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"720\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/accident-g61850b7ff_1280.jpg?resize=1080%2C720&#038;ssl=1\" alt=\"\" class=\"wp-image-38998\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/accident-g61850b7ff_1280.jpg?resize=1080%2C720&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/accident-g61850b7ff_1280.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/accident-g61850b7ff_1280.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/accident-g61850b7ff_1280.jpg?w=1280&amp;ssl=1 1280w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_much_compensation_will_you_get\"><\/span>How much compensation will you get?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Simply put, the insurance company determines how much money you&#8217;ll receive based on the coverage amount for your vehicle. Remember, when you renew your vehicle insurance, you choose either the market value or agreed value for your coverage. If you chose market value, your compensation will match the current market value of your car during a total loss or accident. <\/p>\n\n\n\n<p>On the other hand, if you have agreed value coverage, you&#8217;ll receive the exact amount specified in your policy. For example, if your agreed value is RM30,000, your compensation will also be RM30,000.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Who_is_eligible_to_make_a_claim\"><\/span>Who is eligible to make a claim?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you have comprehensive insurance, you can make a claim with your insurance company when your vehicle gets completely wrecked in an accident. <\/p>\n\n\n\n<p>If you have a third-party, fire or theft policy, or just a basic third-party policy, sorry to break it to you, but you can&#8217;t make that kind of claim.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"38999\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/vehicle-total-loss-things-that-you-must-know\/attachment\/21112258655_3c837b7d26_h\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/21112258655_3c837b7d26_h.jpg?fit=1600%2C1063&amp;ssl=1\" data-orig-size=\"1600,1063\" 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=\"vehicle total loss\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/21112258655_3c837b7d26_h.jpg?fit=300%2C199&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/21112258655_3c837b7d26_h.jpg?fit=1080%2C718&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"718\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/21112258655_3c837b7d26_h.jpg?resize=1080%2C718&#038;ssl=1\" alt=\"\" class=\"wp-image-38999\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/21112258655_3c837b7d26_h.jpg?resize=1080%2C718&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/21112258655_3c837b7d26_h.jpg?resize=300%2C199&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/21112258655_3c837b7d26_h.jpg?resize=768%2C510&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/21112258655_3c837b7d26_h.jpg?resize=1536%2C1020&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/21112258655_3c837b7d26_h.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_will_happen_to_the_total_loss_vehicle\"><\/span>What will happen to the total loss vehicle?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If the insurance company says your car is completely wrecked and you agree with them, you have two options:<\/p>\n\n\n\n<ol><li>Keep the car for yourself.<\/li><li>Give the car back to the insurance company.<\/li><\/ol>\n\n\n\n<p>If you decide to keep the car, the insurance company will pay you less money than they should.<\/p>\n\n\n\n<p>We hope this article has provided you with enough information to prepare yourself to face unexpected situations. Always be safe on the road and secure yourself and your vehicle with the right auto insurance! <\/p>\n\n\n\n<p>Visit <a href=\"https:\/\/bjak.my\/\">Bjak<\/a> now to enjoy exclusive discounts, attractive prices and benefits for your auto insurance without any hassle!<\/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=vehicle-total-loss-things-that-you-must-know\" 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>Read more:<\/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\/\"><\/a><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>Read this article to understand essential details about claiming insurance for vehicle total loss and always be prepared for the worst!<\/p>\n","protected":false},"author":20,"featured_media":38959,"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>Vehicle Total Loss: Things That You Must Know | BJAK<\/title>\n<meta name=\"description\" content=\"Read this article to understand essential details about claiming insurance for vehicle total loss and always be prepared for the worst!\" \/>\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\/vehicle-total-loss-things-that-you-must-know\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vehicle Total Loss: Things That You Must Know | BJAK\" \/>\n<meta property=\"og:description\" content=\"Read this article to understand essential details about claiming insurance for vehicle total loss and always be prepared for the worst!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/vehicle-total-loss-things-that-you-must-know\" \/>\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=\"2023-06-08T07:15:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:31:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/photo_6055543827822916975_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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