{"id":53853,"date":"2025-10-22T23:51:50","date_gmt":"2025-10-22T15:51:50","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53853"},"modified":"2025-10-29T18:29:59","modified_gmt":"2025-10-29T10:29:59","slug":"third-party-claim-know-your-rights","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/third-party-claim-know-your-rights","title":{"rendered":"Third Party Claim: Know Your Rights"},"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-69d429f62bf2e\" 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-69d429f62bf2e\"><\/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\/third-party-claim-know-your-rights\/#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\/third-party-claim-know-your-rights\/#What_Is_a_Third_Party_Claim\" title=\"What Is a Third Party Claim\">What Is 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-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/third-party-claim-know-your-rights\/#Types_of_Third_Party_Claims\" title=\"Types of Third Party Claims\">Types of Third Party Claims<\/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\/third-party-claim-know-your-rights\/#Documents_You%E2%80%99ll_Need\" title=\"Documents You\u2019ll Need\">Documents You\u2019ll Need<\/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\/third-party-claim-know-your-rights\/#How_to_File_a_Third_Party_Claim\" title=\"How to File a Third Party Claim\">How 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-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/third-party-claim-know-your-rights\/#What_You_Should_Know\" title=\"What You Should Know\">What You Should Know<\/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 your car gets hit but it\u2019s clearly not your fault, most people panic. Some call the workshop straight away, others start arguing. But here\u2019s the thing \u2014 if it\u2019s not your fault, you have the right to make a <strong>third party claim<\/strong>.<\/p>\n\n\n\n<p>The problem is, a lot of people aren\u2019t sure what they can claim, how to handle the process, or what the insurance actually does. Knowing the steps beforehand makes it easier when it happens.<\/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_Claim\"><\/span><strong>What Is a Third Party Claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In simple terms, a <strong>third party claim<\/strong> means you\u2019re claiming compensation from the insurance company of the driver who caused the accident.<\/p>\n\n\n\n<p>Basically, if the other driver is at fault, <strong>their insurance<\/strong> should cover the repair cost for your car \u2014 not yours.<\/p>\n\n\n\n<p>You can usually make this kind of claim when:<\/p>\n\n\n\n<ul><li>You\u2019re confident you\u2019re not at fault.<br><\/li><li>You have solid evidence (photos, police report, etc.).<br><\/li><li>You don\u2019t want to lose your own NCD discount.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Types_of_Third_Party_Claims\"><\/span><strong>Types of Third Party Claims<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There are several types, depending on the kind of damage or loss involved:<\/p>\n\n\n\n<ul><li><strong>Vehicle Damage Claim<\/strong> \u2013 to repair or replace damaged car parts.<br><\/li><li><strong>Personal Injury Claim<\/strong> \u2013 if you or your passengers were injured.<br><\/li><li><strong>Loss of Use Claim<\/strong> \u2013 if your car is stuck at the workshop for days, you can claim compensation for the days you couldn\u2019t use it.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Documents_You%E2%80%99ll_Need\"><\/span><strong>Documents You\u2019ll Need<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>To file a third party claim, prepare the following:<\/p>\n\n\n\n<ul><li>Copy of the police report (showing the other driver is at fault).<br><\/li><li>Copy of your IC and driving licence.<br><\/li><li>Vehicle registration card.<br><\/li><li>Photos of the damage and accident scene.<br><\/li><li>Repair quotation from a panel workshop.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_to_File_a_Third_Party_Claim\"><\/span><strong>How to File a Third Party Claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li><strong>Lodge a police report<\/strong> within 24 hours.<br><\/li><li><strong>Send your car<\/strong> to a panel workshop (don\u2019t repair it on your own yet).<br><\/li><li><strong>Notify the at-fault driver\u2019s insurer.<\/strong><strong><br><\/strong><\/li><li>Wait for the <strong>adjuster<\/strong> to inspect your car.<br><\/li><li>Once approved, the repair will be carried out \u2014 <strong>no cost to you.<\/strong><strong><br><\/strong><\/li><\/ol>\n\n\n\n<p>If you\u2019re unsure which insurance company covers the other driver, you can use <strong>BJAK<\/strong> to check the vehicle\u2019s insurance info. It\u2019s a quick way to know where to send your claim and save time.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53918\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/third-party-claim-know-your-rights\/attachment\/4-125\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-125.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=\"4-125\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-125.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-125.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\/4-125.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing five steps of the third party claim process in Malaysia, from police report to car repair.\" class=\"wp-image-53918\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-125.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-125.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-125.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-125.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/4-125.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=\"What_You_Should_Know\"><\/span><strong>What You Should Know<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Make sure your police report clearly states that you\u2019re <strong>not at fault<\/strong>.<br><\/li><li>Don\u2019t sign any document you don\u2019t fully understand.<br><\/li><li>Keep all receipts and evidence safely.<br><\/li><\/ul>\n\n\n\n<p>If the other driver refuses to cooperate, you can report it to <strong>PIAM<\/strong>.<\/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=third-party-claim-know-your-rights\" 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\/insurance-claim-for-road-accident-involving-animals\">Insurance Claim For Road Accident Involving Animals<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/documents-required-for-insurance-claim\">Documents Required For Insurance Claim<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/road-safety-awareness-link-between-insurance-road-safety\">Road Safety Awareness: Link Between Insurance &amp; Road Safety<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> A third party claim lets you claim compensation when an accident isn\u2019t your fault. This article explains your rights, the claim types, and how to handle the process smoothly.<\/p>\n","protected":false},"author":31,"featured_media":53917,"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":[37,2843],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Third Party Claim: Know Your Rights | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Third Party Claim: Know Your Rights . 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