{"id":53747,"date":"2025-10-21T23:31:14","date_gmt":"2025-10-21T15:31:14","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53747"},"modified":"2025-10-29T18:30:01","modified_gmt":"2025-10-29T10:30:01","slug":"insurance-claim-for-road-accident-involving-animals","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/insurance-claim-for-road-accident-involving-animals","title":{"rendered":"Insurance Claim For Road Accident Involving Animals"},"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-69d442c150783\" 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-69d442c150783\"><\/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\/insurance-claim-for-road-accident-involving-animals\/#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\/insurance-claim-for-road-accident-involving-animals\/#Types_of_Animals_Commonly_Involved\" title=\"Types of Animals Commonly Involved\">Types of Animals Commonly Involved<\/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\/insurance-claim-for-road-accident-involving-animals\/#Coverage_Based_on_Insurance_Type\" title=\"Coverage Based on Insurance Type\">Coverage Based on Insurance Type<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-claim-for-road-accident-involving-animals\/#1_Third_Party\" title=\"1. Third Party\">1. Third Party<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-claim-for-road-accident-involving-animals\/#2_Third_Party_Fire_Theft_TPFT\" title=\"2. Third Party, Fire &amp; Theft (TPFT)\">2. Third Party, Fire &amp; Theft (TPFT)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-claim-for-road-accident-involving-animals\/#3_Comprehensive_Coverage\" title=\"3. Comprehensive Coverage\">3. Comprehensive Coverage<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-claim-for-road-accident-involving-animals\/#Steps_to_Take_After_an_Animal-Related_Accident\" title=\"Steps to Take After an Animal-Related Accident\">Steps to Take After an Animal-Related Accident<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-claim-for-road-accident-involving-animals\/#Animal_Owners_Held_Liable\" title=\"Animal Owners Held Liable\">Animal Owners Held Liable<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-claim-for-road-accident-involving-animals\/#Road_Accident_with_Wild_Animal\" title=\"Road Accident with Wild Animal\">Road Accident with Wild Animal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-claim-for-road-accident-involving-animals\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Accidents caused by animals on Malaysian roads are more common than most people think \u2014 especially in rural areas, plantations, or quiet roads at night. But the question is, are you able to file insurance claims if the road accident are involving animals? Coverage type will greatly affect whether claim is feasible.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Types_of_Animals_Commonly_Involved\"><\/span>Types of Animals Commonly Involved<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Road accidents usually involve three main categories:<\/p>\n\n\n\n<ul><li>Livestock<br><\/li><li>Pets<br><\/li><li>Wildlife<br><\/li><\/ul>\n\n\n\n<p>These categories matter because they determine whether a third party (the animal\u2019s owner) can be held responsible or not.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Coverage_Based_on_Insurance_Type\"><\/span>Coverage Based on Insurance Type<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Not all insurance policies cover damage from collisions with animals. Here\u2019s the breakdown:<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"1_Third_Party\"><\/span>1. Third Party<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>No coverage for damage to your own vehicle.<br>If you hit an animal and your car is damaged, all repair costs must be paid out of pocket.<br>This policy protects 3rd parties only, not your own vehicle .<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"2_Third_Party_Fire_Theft_TPFT\"><\/span>2. Third Party, Fire &amp; Theft (TPFT)<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Similar to Third Party \u2014 does not cover accidents involving animals.<br>It only covers loss due to fire or theft.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"3_Comprehensive_Coverage\"><\/span>3. Comprehensive Coverage<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Provides a wider coverage for insurance protection.<br>For example, if a wild animal suddenly crosses the road and you hit it, you can file an own damage claim.<br>If video or photo evidence not available, claim may be rejeceted..<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Steps_to_Take_After_an_Animal-Related_Accident\"><\/span>Steps to Take After an Animal-Related Accident<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re involved in this type of incident, here\u2019s what to do:<\/p>\n\n\n\n<ol><li>Ensure your own safety.<br>Don\u2019t exit the vehicle until it\u2019s safe to do so.<br><\/li><li>Take photos at the scene.<br>Capture the damage, the location, and the animal (if it\u2019s still present).<br><\/li><li>Filing a report within 24 hours.<br>Clearly state the cause of the accident.<br><\/li><li>Notify your insurer or use platforms like Bjak.<br>Provide your police report, photos, and active insurance certificate for review.<br><\/li><li>Repair cost estimate.<br>Send your vehicle to a panel workshop or wait for the adjuster\u2019s assessment before repairs begin.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Animal_Owners_Held_Liable\"><\/span>Animal Owners Held Liable<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Accidents involving livestock can be claimable with livestock owner, due to negligence by the livestock owner.<br>However, you must prove that:<\/p>\n\n\n\n<ul><li>The animal belongs to someone (through witnesses or evidence), and<br><\/li><li>Negligence occurred (e.g., broken fencing or animals left unattended).<br><\/li><\/ul>\n\n\n\n<p>The owner will be held responsible under Section 79 of the Road Transport Act 1987 for failing to control animals on public roads.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Road_Accident_with_Wild_Animal\"><\/span>Road Accident with Wild Animal<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You are unable to file any claims involving wild animals with 3rd party coverage. <br>In such cases, only Comprehensive policies may cover the damage \u2014 depending on the adjuster\u2019s assessment and the evidence provided.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Road accident involving animals is claimable with proper coverage and evidence. Keep digital copies of required documents for smooths claiming process. To check your insurance type and policy coverage instantly, use Bjak,  all your details are available digitally and for free.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53808\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-claim-for-road-accident-involving-animals\/attachment\/4-122\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-122.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=\"4-122\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-122.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-122.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\/4-122.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing which types of car insurance in Malaysia cover or don\u2019t cover accidents caused by animals on the road.\" class=\"wp-image-53808\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-122.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-122.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-122.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-122.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-122.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\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=insurance-claim-for-road-accident-involving-animals\" 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\/the-difference-between-car-insurance-and-roadtax\">The Difference Between Car Insurance and Roadtax<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/electric-vs-hybrid-car-roadtax-whats-the-difference\">Electric vs Hybrid Car Roadtax: What\u2019s the Difference?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/the-role-of-adjusters-in-insurance-claims\">The Role of Adjusters in Insurance Claims<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Hit a dog, cow, or wild animal on the road \u2014 can you make an insurance claim? This article explains the conditions, types of coverage, and steps you should take to avoid your claim being rejected.<\/p>\n","protected":false},"author":31,"featured_media":53807,"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":[5,3004,1073],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurance Claim For Road Accident Involving Animals | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Insurance Claim For Road Accident Involving Animals . 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