{"id":38377,"date":"2023-06-08T15:05:14","date_gmt":"2023-06-08T07:05:14","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=38377"},"modified":"2025-09-12T19:12:22","modified_gmt":"2025-09-12T11:12:22","slug":"car-insurance-claim-denials-5-reasons-why-it-could-happen","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-claim-denials-5-reasons-why-it-could-happen","title":{"rendered":"Car Insurance Claim Denials: 5 Reasons Why It Could Happen"},"content":{"rendered":"\n<p>Many people overlook the importance of reading their car insurance policies until an accident occurs, leaving them unsure about the claim process and potential rejections.<\/p>\n\n\n\n<p>This article highlights reasons for <a href=\"https:\/\/bjak.my\/blog\/promilej-car-insurance\/\">car insurance<\/a> claim denials. Let&#8217;s dive in and understand what can cause your claim to be denied by the insurance company. <\/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-69d7b0691cd57\" 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-69d7b0691cd57\"><\/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-claim-denials-5-reasons-why-it-could-happen\/#No_police_report\" title=\"No police report\">No police report<\/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-claim-denials-5-reasons-why-it-could-happen\/#Unnamed_driver\" title=\"Unnamed driver\">Unnamed driver<\/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-claim-denials-5-reasons-why-it-could-happen\/#Different_types_of_insurance_coverage\" title=\"Different types of insurance coverage\">Different types of insurance coverage<\/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-claim-denials-5-reasons-why-it-could-happen\/#Inaccurate_information\" title=\"Inaccurate information\">Inaccurate information<\/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-claim-denials-5-reasons-why-it-could-happen\/#Drunk_driving\" title=\"Drunk driving\">Drunk driving<\/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-claim-denials-5-reasons-why-it-could-happen\/#Avoid_car_insurance_claim_denials\" title=\"Avoid car insurance claim denials\">Avoid car insurance claim denials<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"No_police_report\"><\/span>No police report<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you&#8217;re in an accident, go directly to the nearest police station and file a report. Don&#8217;t underestimate this step because your car insurance claim might be rejected if you don&#8217;t have a police report or if it&#8217;s filed after 24 hours. <\/p>\n\n\n\n<p>So, don&#8217;t procrastinate or overlook the importance of making a timely police report, as it will help streamline your claim process.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Unnamed_driver\"><\/span>Unnamed driver<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This means that if someone else, like your partner, child, or friend, drives your car and gets into an accident, they won&#8217;t be covered by your insurance. This can result in a denied car insurance claim. <\/p>\n\n\n\n<p>Using your car frequently with your partner can be challenging, but there&#8217;s a solution. You can add them to your insurance policy as a named driver, ensuring their protection in case of an accident.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"38989\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-claim-denials-5-reasons-why-it-could-happen\/attachment\/pexels-andrea-piacquadio-3760067\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?fit=1600%2C1067&amp;ssl=1\" data-orig-size=\"1600,1067\" 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=\"Car Insurance Claim Denials: 5 Reasons Why It Could Happen\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.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\/pexels-andrea-piacquadio-3760067.jpg?resize=1080%2C720&#038;ssl=1\" alt=\"Car insurance claim\" class=\"wp-image-38989\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=1080%2C720&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.jpg?resize=2048%2C1365&amp;ssl=1 2048w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-andrea-piacquadio-3760067-scaled.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=\"Different_types_of_insurance_coverage\"><\/span>Different types of insurance coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurance doesn&#8217;t always cover all types of car damage or accidents, so it&#8217;s crucial to fully understand your policy when purchasing car insurance. <\/p>\n\n\n\n<p>For instance, if you have a third-party policy, it&#8217;s important to know that it won&#8217;t cover damage to your own car but only repairs for other parties involved.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Inaccurate_information\"><\/span>Inaccurate information<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ensure that you provide accurate information when completing your insurance application. Honesty is crucial. <\/p>\n\n\n\n<p>Since the implementation of car insurance tariff liberalisation in 2017, insurance companies now consider various factors to determine insurance prices, including marital status, occupation, vehicle safety features, and parking location. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Drunk_driving\"><\/span>Drunk driving<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Malaysia&#8217;s Road Transport Act 1987 clearly states that driving while intoxicated is illegal and poses a risk to other drivers. This includes being negligent due to alcohol or drug use. Therefore, if you choose to drive drunk, it&#8217;s important to know that the <a href=\"https:\/\/bjak.my\/blog\/msig-car-insurance\/\">car insurance company<\/a> will reject your claim without hesitation.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"38991\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-claim-denials-5-reasons-why-it-could-happen\/attachment\/dinkndriving-1-1\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/dinkndriving-1-1.jpg?fit=1000%2C642&amp;ssl=1\" data-orig-size=\"1000,642\" 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=\"dinkndriving-1-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/dinkndriving-1-1.jpg?fit=300%2C193&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/dinkndriving-1-1.jpg?fit=1000%2C642&amp;ssl=1\" loading=\"lazy\" width=\"1000\" height=\"642\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/dinkndriving-1-1.jpg?resize=1000%2C642&#038;ssl=1\" alt=\"Drunk driving\" class=\"wp-image-38991\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/dinkndriving-1-1.jpg?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/dinkndriving-1-1.jpg?resize=300%2C193&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/dinkndriving-1-1.jpg?resize=768%2C493&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Avoid_car_insurance_claim_denials\"><\/span>Avoid car insurance claim denials<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Understanding the details of your <a href=\"https:\/\/bjak.my\/blog\/is-it-safe-to-purchase-car-insurance-policy-online\/\">car insurance policy<\/a> is crucial. Make sure to understand every term and condition before purchasing the policy. Ensure that you are well-prepared for any future incidents and avoid insurance claim denials.<\/p>\n\n\n\n<p>Visit Bjak now 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><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-insurance-claim-denials-5-reasons-why-it-could-happen\" 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\/\">Car Insurance Premium: The Affect of Car Accident on It<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Find out the reasons why car insurance claim denials can happen to you and learn how to avoid them by reading this article!<\/p>\n","protected":false},"author":20,"featured_media":38960,"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 Claim Denials: 5 Reasons Why It Could Happen<\/title>\n<meta name=\"description\" content=\"Find out the reasons why car insurance claim denials can happen to you and learn how to avoid them by reading this article!\" \/>\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-claim-denials-5-reasons-why-it-could-happen\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Insurance Claim Denials: 5 Reasons Why It Could Happen\" \/>\n<meta property=\"og:description\" content=\"Find out the reasons why car insurance claim denials can happen to you and learn how to avoid them by reading this article!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-claim-denials-5-reasons-why-it-could-happen\" \/>\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=\"2023-06-08T07:05:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-12T11:12:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/photo_6055543827822916974_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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