{"id":41870,"date":"2023-08-11T18:30:32","date_gmt":"2023-08-11T10:30:32","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=41870"},"modified":"2025-09-12T18:51:15","modified_gmt":"2025-09-12T10:51:15","slug":"car-insurance-deductible-faqs","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-deductible-faqs","title":{"rendered":"Car Insurance Deductible: Answers To Frequently Asked Questions"},"content":{"rendered":"\n<p>A deductible in car insurance is a predetermined amount you agree to pay before your insurance company starts compensating for losses resulting from an accident. <\/p>\n\n\n\n<p>We covered the basics of a <a href=\"https:\/\/bjak.my\/blog\/car-insurance-deductible\/\">car insurance deductible<\/a>, such as how it works and when you should pay for it, previously. In this article, we will continue the discussion on deductibles by addressing some common questions you may have about them.<\/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-69e358e51b8f0\" 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-69e358e51b8f0\"><\/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-faqs\/#Do_different_deductible_levels_affect_the_insurance_premium\" title=\"Do different deductible levels affect the insurance premium?\">Do different deductible levels affect the insurance premium?<\/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-faqs\/#What%E2%80%99s_the_downside_of_high_deductibles\" title=\"What&#8217;s the downside of high deductibles?\">What&#8217;s the downside of high deductibles?<\/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-faqs\/#Does_driving_record_affect_the_choice_of_deductible\" title=\"Does driving record affect the choice of deductible?\">Does driving record affect the choice of 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-faqs\/#Do_I_pay_a_deductible_if_I_hit_a_car\" title=\"Do I pay a deductible if I hit a car?\">Do I pay a deductible if I hit a 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\/car-insurance-deductible-faqs\/#Do_I_pay_the_deductible_if_I%E2%80%99m_not_at_fault\" title=\"Do I pay the deductible if I&#8217;m not at fault?\">Do I pay the deductible if I&#8217;m not at fault?<\/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-deductible-faqs\/#Is_it_better_to_have_doesn%E2%80%99t_deductible_and_a_higher_premium\" title=\"Is it better to have doesn&#8217;t deductible and a higher premium?\">Is it better to have doesn&#8217;t deductible and a higher premium?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-deductible-faqs\/#Understanding_car_insurance_deductible\" title=\"Understanding car insurance deductible\">Understanding car insurance deductible<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Do_different_deductible_levels_affect_the_insurance_premium\"><\/span>Do different deductible levels affect the insurance premium?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes, your deductible amount certainly affects the insurance premium that you have to pay. Generally, a higher deductible usually means a lower premium, as you agreed to take up more of the expenses by yourself. <\/p>\n\n\n\n<p>The deductible-premium ratio may also vary across insurance companies as each company may have different rules regarding how a deductible is incorporated into a <a href=\"https:\/\/bjak.my\/en\">car insurance<\/a> policy. But on the whole, increasing the deductible from, say, RM500 to RM1,000 will reduce insurance premium costs. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What%E2%80%99s_the_downside_of_high_deductibles\"><\/span>What&#8217;s the downside of high deductibles?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Assuming that an unknown driver has accidentally sideswiped a car, costing the owner RM500 worth of damage. The owner has a deductible amount of RM1,000. So, the RM500 will be an out-of-pocket expense for the owner. But, if the owner&#8217;s deductible were RM200, the out-of-pocket expense would be only RM200. This means the owner can save the remaining RM300 as the insurance company will cover it.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Does_driving_record_affect_the_choice_of_deductible\"><\/span>Does driving record affect the choice of deductible?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Driving record does affect deductible decisions. A clean record merits a higher deductible for lower premiums, while a less-than-clean record warrants a lower deductible at the cost of additional premiums. At the same time, if you reside or frequently drive around an accident-prone area, it would be better to consider the lower deductible\/higher premium option as it would save you the trouble of constant out-of-pocket expenses.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Do_I_pay_a_deductible_if_I_hit_a_car\"><\/span>Do I pay a deductible if I hit a car?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You won&#8217;t have to pay a deductible if you get into an accident without damaging your car. In this case, your liability coverage will cover the other driver&#8217;s injuries and property damage, which doesn&#8217;t require a deductible. But if your vehicle is damaged and you decide to file a collision claim, you must pay your collision deductible as stated in your policy.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Do_I_pay_the_deductible_if_I%E2%80%99m_not_at_fault\"><\/span>Do I pay the deductible if I&#8217;m not at fault?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If the other driver is deemed at fault, their insurance company can pay for your repairs if you file them, and you won&#8217;t have to pay your deductible. If you have collision coverage, you can also go through your insurer, who will seek reimbursement (including your deductible) from the other driver&#8217;s insurance company. (including your deductible) When the fault is shared, you may pay all or part of your <a href=\"https:\/\/bjak.my\/en\">auto insurance<\/a> deductible.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Is_it_better_to_have_doesn%E2%80%99t_deductible_and_a_higher_premium\"><\/span>Is it better to have doesn&#8217;t deductible and a higher premium?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This really depends because someone with a low deductible and a higher premium can go through a 10-year period without filing an insurance claim. In this case, the person will have paid more money over that time than someone with a higher deductible. <\/p>\n\n\n\n<p>Assuming that both parties didn&#8217;t counter any accidents, the person with a lower deductible would have paid much more insurance premiums. Alternatively, if a person files several insurance claims within a year, driver&#8217;s better to have a lower deductible as they don&#8217;t have to bear most of the repair costs.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Understanding_car_insurance_deductible\"><\/span>Understanding car insurance deductible<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Deductible can be confusing to some, but having the proper understanding of it ensures you choose the right amount when purchasing an insurance policy. Learning about the possible scenarios involving deductibles is an excellent way to strengthen your knowledge and how insurance coverage works.<\/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=car-insurance-deductible-faqs\" 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><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/allianz-motorcycle-insurance\/\">Allianz Motorcycle Insurance Plans<\/a><\/em><\/strong><\/li><li><strong style=\"background-color: var(--nv-site-bg); color: var(--nv-text-color); font-family: var(--bodyfontfamily); font-size: var(--bodyfontsize); letter-spacing: var(--bodyletterspacing); text-transform: var(--bodytexttransform);\"><em><a href=\"https:\/\/bjak.my\/blog\/tokio-marine-car-insurance\/\">Tokio Marine Car Insurance: Top 3 Plans To Consider<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/kurnia-third-party-car-insurance\/\">Kurnia Car Insurance: Third-Party Coverage Options<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Get to know the answers to frequently asked questions about car insurance deductible by reading this article.<\/p>\n","protected":false},"author":19,"featured_media":41905,"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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