{"id":39574,"date":"2023-06-19T22:14:54","date_gmt":"2023-06-19T14:14:54","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=39574"},"modified":"2025-09-12T18:59:18","modified_gmt":"2025-09-12T10:59:18","slug":"comprehensive-insurance-misunderstandings","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/comprehensive-insurance-misunderstandings","title":{"rendered":"Common Misunderstandings About Comprehensive Car Insurance"},"content":{"rendered":"\n<p><a href=\"https:\/\/bjak.my\/blog\/comprehensive-car-insurance\/\">Comprehensive insurance<\/a> is an important coverage that protects your vehicle against various risks and incidents. But people tend to have misconceptions about this <a href=\"https:\/\/bjak.my\/en\">vehicle insurance<\/a>.<\/p>\n\n\n\n<p>So in this article, we&#8217;ll discuss some common misunderstandings people have about comprehensive coverage or 1st party insurance, so you can better understand your car policy.<\/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-69de832b5e81b\" 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-69de832b5e81b\"><\/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\/comprehensive-insurance-misunderstandings\/#Covers_all_types_of_damage\" title=\"Covers all types of damage\">Covers all types of damage<\/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\/comprehensive-insurance-misunderstandings\/#Pays_for_personal_injuries\" title=\"Pays for personal injuries\">Pays for personal injuries<\/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\/comprehensive-insurance-misunderstandings\/#Covers_belongings_inside_the_car\" title=\"Covers belongings inside the car\">Covers belongings inside the car<\/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\/comprehensive-insurance-misunderstandings\/#Guarantees_a_replacement_car\" title=\"Guarantees a replacement car\">Guarantees a replacement car<\/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\/comprehensive-insurance-misunderstandings\/#Covers_all_drivers\" title=\"Covers all drivers\">Covers all drivers<\/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\/comprehensive-insurance-misunderstandings\/#Misconceptions_about_comprehensive_insurance\" title=\"Misconceptions about comprehensive insurance\">Misconceptions about comprehensive insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Covers_all_types_of_damage\"><\/span>Covers all types of damage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A common misconception many people have about comprehensive vehicle policies is that they cover all types of damage. While it&#8217;s certainly true that this policy does cover various risks, it&#8217;s important to remember that it doesn&#8217;t protect against every possible type of damage. <\/p>\n\n\n\n<p>This plan typically includes coverage for theft, vandalism, fire, natural disasters, hitting an animal and falling objects. But, it may not cover mechanical failures, wear and tear, or damage caused by regular use.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pays_for_personal_injuries\"><\/span>Pays for personal injuries<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"38976\" data-permalink=\"https:\/\/bjak.my\/blog\/info\/airbag-injuries\/attachment\/car-insurance-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Insurance-3.jpg?fit=1600%2C1066&amp;ssl=1\" data-orig-size=\"1600,1066\" 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-3\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Insurance-3.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Insurance-3.jpg?fit=1080%2C720&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"720\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Insurance-3.jpg?resize=1080%2C720&#038;ssl=1\" alt=\"Comprehensive insurance\" class=\"wp-image-38976\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Insurance-3.jpg?resize=1080%2C720&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Insurance-3.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Insurance-3.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Insurance-3.jpg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Insurance-3.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Comprehensive coverage primarily focuses on vehicle damage rather than personal injuries. Generally, it does not cover medical expenses or liability for injuries sustained by you or the passengers in your car after an accident. <\/p>\n\n\n\n<p>To include personal injury in comprehensive coverage, you would typically need to purchase add-on coverage such as bodily injury liability or personal injury protection (PIP).<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Covers_belongings_inside_the_car\"><\/span>Covers belongings inside the car<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Another misconception about comprehensive car insurance is coverage for personal belongings in the car. As mentioned before, comprehensive doesn&#8217;t mean everything. This insurance primarily covers the vehicle itself and its installed equipment. <\/p>\n\n\n\n<p>It usually does not protect your personal belongings that are stolen or damaged inside the vehicle. Should you need additional protection, consider add-on options from the insurance provider.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Guarantees_a_replacement_car\"><\/span>Guarantees a replacement car<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"39068\" data-permalink=\"https:\/\/bjak.my\/blog\/info\/car-ownership-transfer\/attachment\/car-ownership\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?fit=900%2C600&amp;ssl=1\" data-orig-size=\"900,600\" 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-Ownership\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?fit=900%2C600&amp;ssl=1\" loading=\"lazy\" width=\"900\" height=\"600\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?resize=900%2C600&#038;ssl=1\" alt=\"Vehicle insurance\" class=\"wp-image-39068\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?w=900&amp;ssl=1 900w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Car-Ownership.jpg?resize=768%2C512&amp;ssl=1 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Comprehensive insurance also does not automatically provide a replacement vehicle if your car is stolen or deemed a total loss after an accident. <\/p>\n\n\n\n<p>While some policies offer rental reimbursement as optional coverage, it is not a standard feature of comprehensive car insurance. You may need to purchase additional coverage or rely on rental car services if your vehicle is out of service.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Covers_all_drivers\"><\/span>Covers all drivers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"39040\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-policy-price\/attachment\/pexels-jeshootscom-13861-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jeshootscom-13861.jpg?fit=640%2C427&amp;ssl=1\" data-orig-size=\"640,427\" 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 premium\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jeshootscom-13861.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jeshootscom-13861.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\/pexels-jeshootscom-13861.jpg?resize=640%2C427&#038;ssl=1\" alt=\"Car policy\" class=\"wp-image-39040\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jeshootscom-13861.jpg?w=640&amp;ssl=1 640w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/pexels-jeshootscom-13861.jpg?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Not all drivers using your car are entitled to be protected under 1st party insurance. This policy typically only covers the listed drivers. If someone not listed on your policy is driving your car and gets into an accident, they may not be covered by <a href=\"https:\/\/bjak.my\/blog\/comprehensive-car-insurance\/\">comprehensive coverage<\/a>. <\/p>\n\n\n\n<p>Hence, as a policyholder, it&#8217;s important for you to understand the terms and restrictions regarding who can drive your insured vehicle.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Misconceptions_about_comprehensive_insurance\"><\/span>Misconceptions about comprehensive insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurance policies vary from company to company, so you must read and understand the terms and conditions of your car policy. This lets you know exactly what it covers and doesn&#8217;t. <\/p>\n\n\n\n<p>If you&#8217;re still in doubt, always contact your insurance provider to clarify your questions. Having the right understanding of your policy ensures that you know what to do when there&#8217;s a problem in the future.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em data-l-s=\"67471\"><em><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><\/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=comprehensive-insurance-misunderstandings\" 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><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-windscreen-cracks\/\"><strong><em>Risks Of Driving Your Car With Cracks In Windshield<\/em><\/strong><\/a><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Claim Motorcycle Insurance After An Accident<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/car-ownership-transfer\/\" target=\"_blank\" rel=\"noreferrer noopener\">Car Ownership Transfer: Learn How To Do It Online<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>People have many misconceptions about comprehensive car insurance and how it protects policyholders. Learn about some of them here.<\/p>\n","protected":false},"author":19,"featured_media":39575,"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>Common Misunderstandings About Comprehensive Insurance<\/title>\n<meta name=\"description\" content=\"People have many misconceptions about comprehensive car insurance and how it protects policyholders. 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