{"id":55994,"date":"2025-11-15T00:20:27","date_gmt":"2025-11-14T16:20:27","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=55994"},"modified":"2025-11-15T00:20:29","modified_gmt":"2025-11-14T16:20:29","slug":"accident-claims-without-police-report","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/accident-claims-without-police-report","title":{"rendered":"Accident Claims Without Police Report"},"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-69e10bdb41895\" 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-69e10bdb41895\"><\/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\/accident-claims-without-police-report\/#Introduction\" title=\"Introduction\">Introduction<\/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\/accident-claims-without-police-report\/#1_Risks_of_Claiming_Without_a_Police_Report\" title=\"1. Risks of Claiming Without a Police Report\">1. Risks of Claiming Without a Police Report<\/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\/accident-claims-without-police-report\/#2_How_to_Make_Claims_Without_Filing_a_Police_Report\" title=\"2. How to Make Claims Without Filing a Police Report\">2. How to Make Claims Without Filing a Police Report<\/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\/accident-claims-without-police-report\/#3_BJAK_Tips_for_Handling_Claims\" title=\"3. BJAK Tips for Handling Claims\">3. BJAK Tips for Handling Claims<\/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\/accident-claims-without-police-report\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In Malaysia, many drivers don\u2019t realise they must file a police report to submit an insurance claim after an accident. This article explores how to manage <strong>accident claims without a police report<\/strong>, the potential risks, and how BJAK can help streamline the process.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Risks_of_Claiming_Without_a_Police_Report\"><\/span><strong>1. Risks of Claiming Without a Police Report<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Insurers may reject the policy because they usually require a police report as official evidence<br><\/li><li>Investigators may face difficulties, as the lack of a police report allows accident evidence to be challenged and can reduce your claim amount.<br><\/li><li>Third-party claims may stall or be rejected when no police report is available to confirm the incident.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_How_to_Make_Claims_Without_Filing_a_Police_Report\"><\/span><strong>2. How to Make Claims Without Filing a Police Report<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Minor accidents:<\/strong> Incidents that do not involve third parties, such as damage at home or while parked.<br><\/li><li><strong>Internal minor claims:<\/strong> Some insurers allow minor claims through internal procedures, but claim limits are usually restricted.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_BJAK_Tips_for_Handling_Claims\"><\/span><strong>3. BJAK Tips for Handling Claims<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Check your policy first:<\/strong> BJAK allows you to understand claim requirements before incidents occur.<br><\/li><li><strong>Provide complete evidence:<\/strong> Photos, videos, and vehicle information can help support minor claims without a police report.<br><\/li><li><strong>Use the BJAK platform:<\/strong> Compare policies that allow flexibility for minor claims without a police report.<br><\/li><li>Prevent future issues by filing a police report whenever a third party or injuries are involved, rather than relying on minor claims that don\u2019t require one.<\/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=\"56037\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/accident-claims-without-police-report\/attachment\/4-101-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-101.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=\"4-101\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-101.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-101.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-101.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing steps and requirements for claiming accidents without a police report, including preparing evidence, checking the policy, and using BJAK.\" class=\"wp-image-56037\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-101.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-101.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-101.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-101.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-101.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<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Accident claims without a police report are allowed in certain situations, but they carry clear risks and limitations. BJAK helps drivers check policies, prepare documents, and select appropriate coverage to make the claims process smoother while safeguarding NCD and full protection.<\/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=accident-claims-without-police-report\" 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\/car-insurance\/car-insurance-claims-increase-high-premium-risks\">Car Insurance Claims Increase &amp; High Premium Risks<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/flood-damaged-cars-claims-roadtax-renewal\">Flood-Damaged Cars: Claims &amp; Roadtax Renewal<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/guide-to-choosing-car-insurance-with-24-hour-assistance\">Guide to Choosing Car Insurance with 24-Hour Assistance<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A guide for drivers in Malaysia to understand accident claims without a police report, including risks, requirements, and how BJAK simplifies the process.<\/p>\n","protected":false},"author":31,"featured_media":56036,"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":[429,2722,3125],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Accident Claims Without Police Report | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Accident Claims Without Police Report . 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