{"id":56489,"date":"2025-11-21T01:36:31","date_gmt":"2025-11-20T17:36:31","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56489"},"modified":"2025-11-21T01:36:33","modified_gmt":"2025-11-20T17:36:33","slug":"accident-wasnt-your-fault-protect-your-ncd-now","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/accident-wasnt-your-fault-protect-your-ncd-now","title":{"rendered":"Accident Wasn\u2019t Your Fault? Protect Your NCD Now"},"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-69d79029a51e6\" 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-69d79029a51e6\"><\/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-wasnt-your-fault-protect-your-ncd-now\/#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-wasnt-your-fault-protect-your-ncd-now\/#1_Understand_Your_Rights_When_the_Accident_Isn%E2%80%99t_Your_Fault\" title=\"1. Understand Your Rights When the Accident Isn\u2019t Your Fault\">1. Understand Your Rights When the Accident Isn\u2019t Your Fault<\/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-wasnt-your-fault-protect-your-ncd-now\/#2_Use_BJAK%E2%80%99s_Official_Channels\" title=\"2. Use BJAK\u2019s Official Channels\">2. Use BJAK\u2019s Official Channels<\/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-wasnt-your-fault-protect-your-ncd-now\/#3_Check_Claim_NCD_Status\" title=\"3. Check Claim &amp; NCD Status\">3. Check Claim &amp; NCD Status<\/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-wasnt-your-fault-protect-your-ncd-now\/#4_Choose_the_Right_Panel_Repair_Add-ons\" title=\"4. Choose the Right Panel Repair &amp; Add-ons\">4. Choose the Right Panel Repair &amp; Add-ons<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/accident-wasnt-your-fault-protect-your-ncd-now\/#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>Protect your NCD after an accident to keep your insurance discount, even if the accident wasn\u2019t your fault. Many car owners don\u2019t realize they can retain their NCD by filing claims correctly.. This article explains the steps, documentation, and tips to keep your NCD safe and ensure a smooth claims process.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Understand_Your_Rights_When_the_Accident_Isn%E2%80%99t_Your_Fault\"><\/span><strong>1. Understand Your Rights When the Accident Isn\u2019t Your Fault<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Your NCD usually remains unaffected if the accident wasn\u2019t your fault.<\/li><li>File a police report and claim form immediately.<\/li><\/ul>\n\n\n\n<p><strong>BJAK Tip:<\/strong> Keep all evidence including photos and third-party reports.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Use_BJAK%E2%80%99s_Official_Channels\"><\/span><strong>2. Use BJAK\u2019s Official Channels<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Submit your claims through BJAK\u2019s official channels to ensure proper monitoring and correct claim categorization.<\/li><li>Ensure all documents are complete: police report, damage photos, and BJAK claim form.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Check_Claim_NCD_Status\"><\/span><strong>3. Check Claim &amp; NCD Status<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>BJAK can help check whether your NCD is safe or if an endorsement is needed.<br><\/li><li>Avoid filing unnecessary claims as this may affect your NCD.<br><\/li><\/ul>\n\n\n\n<p><strong>BJAK Tip:<\/strong> Contact BJAK immediately after the accident for step-by-step guidance.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Choose_the_Right_Panel_Repair_Add-ons\"><\/span><strong>4. Choose the Right Panel Repair &amp; Add-ons<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Use BJAK-recognized panel repair workshops to ensure quality repairs and NCD safety.<br><\/li><li>Make sure add-ons such as VIP Rescue are used if needed for towing or emergency assistance.<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=\"56551\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/accident-wasnt-your-fault-protect-your-ncd-now\/attachment\/4-142-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-142.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=\"4-142\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-142.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-142.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\/4-142.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing four steps to protect NCD: understand your rights, use BJAK\u2019s official channels, check claim status, and choose the right panel repair\/add-ons.\" class=\"wp-image-56551\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-142.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-142.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-142.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-142.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-142.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>Protecting your NCD after an accident is possible even if the accident wasn\u2019t your fault. With complete reports, claims through BJAK, selection of recognized panel repair workshops, and correct add-ons, you can ensure your NCD remains safe. Act promptly after an accident to protect your insurance discount and control repair costs.<\/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-wasnt-your-fault-protect-your-ncd-now\" 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\/roadtax-en\/roadtax-not-showing-in-myjpj-common-reasons\">Roadtax Not Showing in MyJPJ? Common Reasons<\/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\/info\/affordable-but-important-add-ons\">Affordable but Important Add-Ons<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Many drivers worry about losing their NCD even when the accident wasn\u2019t their fault. This article explains the exact steps to protect your NCD and manage claims through BJAK.<\/p>\n","protected":false},"author":31,"featured_media":56550,"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":[429,424,2843],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Accident Wasn\u2019t Your Fault? Protect Your NCD Now | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Accident Wasn\u2019t Your Fault? 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