{"id":53486,"date":"2025-10-17T20:16:01","date_gmt":"2025-10-17T12:16:01","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53486"},"modified":"2025-10-29T18:30:06","modified_gmt":"2025-10-29T10:30:06","slug":"how-to-claim-insurance-when-your-car-is-hit-by-a-third-party","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/how-to-claim-insurance-when-your-car-is-hit-by-a-third-party","title":{"rendered":"How to Claim Insurance When Your Car Is Hit by a Third Party"},"content":{"rendered":"\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-69d45cba70783\" 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-69d45cba70783\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-claim-insurance-when-your-car-is-hit-by-a-third-party\/#Introduction\" title=\"Introduction\">Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-claim-insurance-when-your-car-is-hit-by-a-third-party\/#What_Is_a_Third-Party_Insurance_Claim\" title=\"What Is a Third-Party Insurance Claim?\">What Is a Third-Party Insurance Claim?<\/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\/how-to-claim-insurance-when-your-car-is-hit-by-a-third-party\/#Steps_to_File_a_Third-Party_Claim\" title=\"Steps to File a Third-Party Claim\">Steps to File a Third-Party Claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-claim-insurance-when-your-car-is-hit-by-a-third-party\/#Required_Documents\" title=\"Required Documents\">Required Documents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-claim-insurance-when-your-car-is-hit-by-a-third-party\/#Tips_to_Speed_Up_Your_Claim\" title=\"Tips to Speed Up Your Claim\">Tips to Speed Up Your Claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-claim-insurance-when-your-car-is-hit-by-a-third-party\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When someone crashes into your car, the first question is always \u2014 \u201chow do I claim insurance?\u201d Many drivers are unsure whether to claim using their own insurance or the other driver\u2019s.<br>This article helps you understand the <strong>third-party claim process<\/strong>, from lodging a police report to getting your car repaired.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"What_Is_a_Third-Party_Insurance_Claim\"><\/span><strong>What Is a Third-Party Insurance Claim?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A <strong>third-party claim<\/strong> means you\u2019re claiming for damages from the <strong>insurance company of the person who hit your car<\/strong>.<br>In this case, you\u2019re the victim (the insured party), while the person at fault is the \u201cthird party.\u201d<br>This is different from an <strong>own damage claim<\/strong>, where you use your own insurance even if you weren\u2019t at fault.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Steps_to_File_a_Third-Party_Claim\"><\/span><strong>Steps to File a Third-Party Claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li><strong>Collect evidence at the scene<\/strong> \u2013 take photos\/videos of the damage, number plate, and surroundings.<br><\/li><li><strong>Make a police report within 24 hours<\/strong> \u2013 this determines who\u2019s at fault.<br><\/li><li><strong>Send your car to a panel workshop (or BJAK Workshop)<\/strong> for inspection.<br><\/li><li><strong>Inform the insurance company<\/strong> and submit all required documents such as your cover note, police report, driving license, IC, and any related receipts.<br><\/li><li><strong>Adjuster assessment &amp; investigation<\/strong> \u2013 to confirm the claim amount.<br><\/li><li><strong>Claim approval &amp; repair\/payment<\/strong> \u2013 you can check the claim status through the insurer\u2019s portal or directly with the panel workshop.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Required_Documents\"><\/span><strong>Required Documents<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Police report<br><\/li><li>IC &amp; driving license copy<br><\/li><li>Active insurance cover note<br><\/li><li>Photos of vehicle damage<br><\/li><li>Workshop report or receipts<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Tips_to_Speed_Up_Your_Claim\"><\/span><strong>Tips to Speed Up Your Claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Don\u2019t alter or falsify your police report.<br><\/li><li>Use <strong>authorized panel workshops<\/strong> or <strong>BJAK Workshop<\/strong> for faster processing.<br><\/li><li>Keep all evidence in digital form \u2014 easy to reference later.<br><\/li><li>Ensure your NCD and policy information are valid.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53546\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-claim-insurance-when-your-car-is-hit-by-a-third-party\/attachment\/4-96\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-96.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"4-96\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-96.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-96.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-96.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing the steps in a third-party insurance claim, from filing a police report to receiving payment from the insurance company.\" class=\"wp-image-53546\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-96.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-96.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-96.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-96.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-96.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A <strong>third-party insurance claim<\/strong> isn\u2019t as intimidating as it seems \u2014 as long as you follow each step carefully. Make sure your documents are complete, use an authorized panel workshop, and communicate directly with your insurer. If you need help checking your active policy or finding the nearest <strong>BJAK panel workshop<\/strong>, contact <strong>BJAK<\/strong> via WhatsApp, email, or their customer portal for quick assistance.<\/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-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=how-to-claim-insurance-when-your-car-is-hit-by-a-third-party\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/can-you-renew-early-to-save-your-ncd\">Can You Renew Early to Save Your NCD?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/impact-of-engine-swaps-modifications-on-car-insurance-policies\">Impact of Engine Swaps &amp; Modifications on Car Insurance Policies<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/why-car-insurance-premiums-increase-every-year\">Why Car Insurance Premiums Increase Every Year<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your car just got hit and you\u2019re not sure what to do next? Don\u2019t panic \u2014 a third-party insurance claim isn\u2019t as complicated as it sounds. This guide breaks down every key step so you can get compensation quickly and properly.<\/p>\n","protected":false},"author":31,"featured_media":53545,"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":[37,88,2843],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Claim Insurance When Your Car Is Hit by a Third Party | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: How to Claim Insurance When Your Car Is Hit by a Third Party\" \/>\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\/how-to-claim-insurance-when-your-car-is-hit-by-a-third-party\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Claim Insurance When Your Car Is Hit by a Third Party | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: How to Claim Insurance When Your Car Is Hit by a Third Party\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/how-to-claim-insurance-when-your-car-is-hit-by-a-third-party\" \/>\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=\"2025-10-17T12:16:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T10:30:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/2-96.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\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=\"tariqsiregar@bjak.my\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 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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