{"id":56474,"date":"2025-11-21T01:34:24","date_gmt":"2025-11-20T17:34:24","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56474"},"modified":"2025-11-21T01:34:26","modified_gmt":"2025-11-20T17:34:26","slug":"special-perils-coverage-in-car-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-coverage-in-car-insurance","title":{"rendered":"Special Perils Coverage in Car Insurance"},"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-69d7329187a84\" 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-69d7329187a84\"><\/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\/special-perils-coverage-in-car-insurance\/#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\/special-perils-coverage-in-car-insurance\/#1_Types_of_Natural_Disasters_Covered\" title=\"1. Types of Natural Disasters Covered\">1. Types of Natural Disasters Covered<\/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\/special-perils-coverage-in-car-insurance\/#2_Coverage_Terms_Limits\" title=\"2. Coverage Terms &amp; Limits\">2. Coverage Terms &amp; Limits<\/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\/special-perils-coverage-in-car-insurance\/#3_How_to_File_a_Claim\" title=\"3. How to File a Claim\">3. How to File a Claim<\/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\/special-perils-coverage-in-car-insurance\/#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>Special Perils coverage in car insurance provides peace of mind when events like floods, storms, or landslides occur. Many drivers mistakenly assume that all insurance policies automatically cover damage from natural disasters. This article explains what is typically covered, important terms, and the steps to file a claim so your car stays protected without unexpected costs.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Types_of_Natural_Disasters_Covered\"><\/span><strong>1. Types of Natural Disasters Covered<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Common natural disasters covered include:<\/p>\n\n\n\n<ul><li><strong>Floods or water erosion<\/strong><strong><br><\/strong><\/li><li><strong>Storms, typhoons, or strong winds<\/strong> that damage the car<br><\/li><li><strong>Landslides or earth movement<\/strong> that impact the vehicle<br><\/li><\/ul>\n\n\n\n<p><strong>BJAK Tip:<\/strong> Check your policy to confirm which disasters are included, as coverage terms differ among insurers.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Coverage_Terms_Limits\"><\/span><strong>2. Coverage Terms &amp; Limits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Car must already have an active policy disasters hits.<br><\/li><li>Some policies set a <strong>maximum claim limit<\/strong> for natural disasters.<br><\/li><li>Complete documentation is to be provided for investigation to process claims i.e police reports, photos of damaged vehicle.<br><\/li><\/ul>\n\n\n\n<p><strong>BJAK Tip:<\/strong> Ensure your policy includes the appropriate add-ons if you live in areas prone to floods or storms.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_How_to_File_a_Claim\"><\/span><strong>3. How to File a Claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Report the damage to your insurer as soon as possible via BJAK\u2019s official channels.<br><\/li><li>Take clear photos and document evidence <strong>before any repairs<\/strong>.<br><\/li><li>Submit a complete report, including a police report if necessary.<br><\/li><li>Wait for confirmation and follow your insurer\u2019s further procedures for claim approval.<br><\/li><\/ul>\n\n\n\n<p><strong>BJAK Tip:<\/strong> Use BJAK\u2019s official channels to ensure your claim is processed quickly and accurately.<\/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=\"56536\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-coverage-in-car-insurance\/attachment\/4-137-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-137.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=\"4-137\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-137.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-137.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-137.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"The infographic shows four steps to claim natural disaster coverage: take photos of the damage, file a police report, submit complete documents, and wait for approval.\" class=\"wp-image-56536\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-137.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-137.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-137.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-137.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-137.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>Special Perils coverage ensures your car remains protected even during unexpected events like floods or storms. Check which disasters your policy covers, read the terms carefully, and file your claim through BJAK to ensure a smooth process. Take proactive steps: keep complete evidence and ensure your insurance is active to maintain maximum 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=special-perils-coverage-in-car-insurance\" 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\/info\/affordable-but-important-add-ons\">Affordable but Important Add-Ons<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax-en\/digital-roadtax-is-not-free\">Digital Roadtax Is Not Free<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/roadtax-en\/roadtax-not-showing-in-myjpj-common-reasons\">Roadtax Not Showing in MyJPJ? Common Reasons<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many car owners don\u2019t fully understand natural disaster coverage in their insurance. This article explains which disasters are covered and how to make a claim if your car is damaged.<\/p>\n","protected":false},"author":31,"featured_media":56535,"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":[429,42,3161],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Special Perils Coverage in Car Insurance | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Special Perils Coverage in Car Insurance . 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