{"id":56710,"date":"2025-11-22T20:34:42","date_gmt":"2025-11-22T12:34:42","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56710"},"modified":"2025-11-22T20:34:43","modified_gmt":"2025-11-22T12:34:43","slug":"car-got-scratched-or-side-mirror-broken-is-it-covered","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered","title":{"rendered":"Car Got Scratched or Side Mirror Broken \u2014 Is It Covered?"},"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-69d7bfdaeca96\" 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-69d7bfdaeca96\"><\/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\/car-got-scratched-or-side-mirror-broken-is-it-covered\/#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\/car-got-scratched-or-side-mirror-broken-is-it-covered\/#1_Coverage_Depends_on_Your_Insurance_Type\" title=\"1. Coverage Depends on Your Insurance Type\">1. Coverage Depends on Your Insurance Type<\/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\/car-got-scratched-or-side-mirror-broken-is-it-covered\/#2_Car_Got_Scratched_When_Can_You_Claim\" title=\"2. Car Got Scratched: When Can You Claim?\">2. Car Got Scratched: When Can You Claim?<\/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\/car-got-scratched-or-side-mirror-broken-is-it-covered\/#3_Side_Mirror_Broken_Coverage_Claim_Process\" title=\"3. Side Mirror Broken: Coverage &amp; Claim Process\">3. Side Mirror Broken: Coverage &amp; Claim Process<\/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\/car-got-scratched-or-side-mirror-broken-is-it-covered\/#4_When_Insurance_Will_Not_Cover_the_Damage\" title=\"4. When Insurance Will Not Cover the Damage\">4. When Insurance Will Not Cover the Damage<\/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\/car-got-scratched-or-side-mirror-broken-is-it-covered\/#5_Claim_or_Repair_Yourself_%E2%80%94_Which_Is_Better\" title=\"5. Claim or Repair Yourself \u2014 Which Is Better?\">5. Claim or Repair Yourself \u2014 Which Is Better?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered\/#6_How_to_File_a_Claim\" title=\"6. How to File a Claim\">6. 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-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered\/#7_Tips_to_Prevent_Claim_Rejection\" title=\"7. Tips to Prevent Claim Rejection\">7. Tips to Prevent Claim Rejection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>One of the most common questions drivers ask is what happens when their <strong>car got scratched<\/strong> \u2014 is it covered by insurance or not? Small damages like scratches, chipped paint, or a broken side mirror may look minor, but repairing them can be surprisingly expensive.<br>Many owners are unsure if insurance will actually pay for these repairs. So in this guide, we break down what\u2019s covered, what isn\u2019t, and how to make the smartest decision without affecting your NCD unnecessarily.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Coverage_Depends_on_Your_Insurance_Type\"><\/span>1. Coverage Depends on Your Insurance Type<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Scratches, chipped paint and broken side mirrors are only covered under a <strong>comprehensive (1st party)<\/strong> policy.<\/p>\n\n\n\n<p>If your <strong>car got scratched<\/strong> and you&#8217;re using third-party insurance, it will not be covered.<\/p>\n\n\n\n<p><strong>Simple breakdown:<\/strong><\/p>\n\n\n\n<ul><li><strong>Comprehensive<\/strong> \u2192 Covers your own car<br><\/li><li><strong>Third Party Only<\/strong> \u2192 No coverage for your car<br><\/li><li><strong>Takaful or conventional<\/strong> \u2192 Same rules apply<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Car_Got_Scratched_When_Can_You_Claim\"><\/span>2. Car Got Scratched: When Can You Claim?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are many reasons why your <strong>car got scratched<\/strong> \u2014 tight parking spots, scraping against objects, or someone else causing the damage.<\/p>\n\n\n\n<p>You <em>can<\/em> claim if the cause is clear:<\/p>\n\n\n\n<ul><li>You hit an object<br><\/li><li>Another vehicle caused the scratch<br><\/li><li>Vandalism (depending on policy)<br><\/li><\/ul>\n\n\n\n<p>Important reminders:<\/p>\n\n\n\n<ul><li>Claiming scratches <strong>reduces your NCD<\/strong><strong><br><\/strong><\/li><li>Repainting may be cheaper than losing NCD<br><\/li><li>Small repairs under RM300\u2013RM500 are often better to settle privately<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Side_Mirror_Broken_Coverage_Claim_Process\"><\/span>3. Side Mirror Broken: Coverage &amp; Claim Process<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Side mirrors usually cost more to replace because the entire housing needs to be changed.<\/p>\n\n\n\n<p>Covered under comprehensive insurance if the cause is known:<\/p>\n\n\n\n<ul><li>Hit by a motorcycle<br><\/li><li>Hit by another car<br><\/li><li>Damaged by falling objects<br><\/li><li>Vandalism (policy-dependent)<br><\/li><\/ul>\n\n\n\n<p>If a third party caused the damage, file a <strong>third-party claim<\/strong> to protect your NCD \u2014 with a police report.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_When_Insurance_Will_Not_Cover_the_Damage\"><\/span>4. When Insurance Will Not Cover the Damage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurance may reject the claim in these situations:<\/p>\n\n\n\n<ul><li>No clear cause of damage<br><\/li><li>Wear &amp; tear<br><\/li><li>Damage caused by illegal modifications<br><\/li><li>Damage happened before the policy became active<br><\/li><li>Police report doesn\u2019t match the damage<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Claim_or_Repair_Yourself_%E2%80%94_Which_Is_Better\"><\/span>5. Claim or Repair Yourself \u2014 Which Is Better?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Even if your <strong>car got scratched<\/strong> and you can claim it, it\u2019s not always the smartest move.<\/p>\n\n\n\n<p>It\u2019s often better to repair privately if:<\/p>\n\n\n\n<ul><li>Repair cost &lt; next year\u2019s premium increase<br><\/li><li>You have high NCD (e.g., 55%)<br><\/li><li>The damage is small or cosmetic<br><\/li><\/ul>\n\n\n\n<p>Minor repairs usually cost less than losing your NCD.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"6_How_to_File_a_Claim\"><\/span>6. How to File a Claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you decide to claim, follow these steps:<\/p>\n\n\n\n<ol><li>Make a police report within 24 hours<br><\/li><li>Visit a panel workshop<br><\/li><li>Submit required documents (grant, license, IC, policy)<br><\/li><li>Workshop submits the claim<br><\/li><li>Adjuster approves \u2192 repair begins<br><\/li><\/ol>\n\n\n\n<p>If someone else caused it, always choose a <strong>third-party claim<\/strong> to protect your NCD.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"7_Tips_to_Prevent_Claim_Rejection\"><\/span>7. Tips to Prevent Claim Rejection<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Take clear photos from all angles<br><\/li><li>Use panel workshops only<br><\/li><li>Keep your report consistent<br><\/li><li>Ensure your policy is active &amp; comprehensive<br><\/li><li>Clearly explain how the damage happened<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=\"56772\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered\/attachment\/4-154-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-154.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=\"4-154\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-154.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-154.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\/4-154.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic comparing scratch damage and side mirror damage with coverage summary.\" class=\"wp-image-56772\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-154.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-154.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-154.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-154.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-154.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>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When your <strong>car got scratched<\/strong> or your side mirror breaks, the coverage depends on your policy type and the cause of the damage.<br>Comprehensive insurance usually covers both, but it\u2019s still important to decide whether claiming is worth losing your NCD.<br>With the right information, you can avoid unnecessary costs and choose the best option for your vehicle.<\/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=car-got-scratched-or-side-mirror-broken--is-it-covered\" 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\/riot-damage-repair-costs-rare-but-expensive\">Riot Damage Repair Costs: Rare but Expensive<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-relief-guide-protect-your-ncd-from-being-lost-after-a-claim\">NCD Relief Guide: Protect Your NCD from Being Lost After a Claim<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/srcc-add-on-is-it-worth-it\">SRCC Add-On: Is It Worth It?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many drivers panic when their car got scratched or when the side mirror suddenly breaks. This article explains whether insurance covers it, when you can claim, and when it makes more sense to repair on your own to protect your NCD.<\/p>\n","protected":false},"author":31,"featured_media":56771,"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":[429,3191],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Got Scratched or Side Mirror Broken \u2014 Is It Covered? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Car Got Scratched or Side Mirror Broken \u2014 Is It Covered? Understand How Claims Work To Protect Your NCD!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Got Scratched or Side Mirror Broken \u2014 Is It Covered? | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Car Got Scratched or Side Mirror Broken \u2014 Is It Covered? Understand How Claims Work To Protect Your NCD!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-22T12:34:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-22T12:34:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-151.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"tariqsiregar@bjak.my\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#primaryimage\",\"url\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-151.jpg?fit=1600%2C1012&ssl=1\",\"contentUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-151.jpg?fit=1600%2C1012&ssl=1\",\"width\":1600,\"height\":1012,\"caption\":\"Car Got Scratched or Side Mirror Broken \u2014 Is It Covered?\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered\",\"name\":\"Car Got Scratched or Side Mirror Broken \u2014 Is It Covered? | BJAK\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#primaryimage\"},\"datePublished\":\"2025-11-22T12:34:42+00:00\",\"dateModified\":\"2025-11-22T12:34:43+00:00\",\"description\":\"BJAK | Car Insurance | Read about: Car Got Scratched or Side Mirror Broken \u2014 Is It Covered? Understand How Claims Work To Protect Your NCD!\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Car Got Scratched or Side Mirror Broken \u2014 Is It Covered?\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\"},\"headline\":\"Car Got Scratched or Side Mirror Broken \u2014 Is It Covered?\",\"datePublished\":\"2025-11-22T12:34:42+00:00\",\"dateModified\":\"2025-11-22T12:34:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#webpage\"},\"wordCount\":546,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-151.jpg?fit=1600%2C1012&ssl=1\",\"keywords\":[\"Car insurance\",\"car scratch\"],\"articleSection\":[\"Car Insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\",\"name\":\"tariqsiregar@bjak.my\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g\",\"caption\":\"tariqsiregar@bjak.my\"},\"url\":\"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Car Got Scratched or Side Mirror Broken \u2014 Is It Covered? | BJAK","description":"BJAK | Car Insurance | Read about: Car Got Scratched or Side Mirror Broken \u2014 Is It Covered? Understand How Claims Work To Protect Your NCD!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered","og_locale":"en_US","og_type":"article","og_title":"Car Got Scratched or Side Mirror Broken \u2014 Is It Covered? | BJAK","og_description":"BJAK | Car Insurance | Read about: Car Got Scratched or Side Mirror Broken \u2014 Is It Covered? Understand How Claims Work To Protect Your NCD!","og_url":"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2025-11-22T12:34:42+00:00","article_modified_time":"2025-11-22T12:34:43+00:00","og_image":[{"width":1600,"height":1012,"url":"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-151.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"tariqsiregar@bjak.my","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Organization","@id":"https:\/\/bjak.my\/blog\/#organization","name":"Bjak","url":"https:\/\/bjak.my\/blog\/","sameAs":["https:\/\/www.facebook.com\/bjak.my","https:\/\/www.instagram.com\/bjak.my","https:\/\/www.linkedin.com\/company\/14607755\/admin\/","https:\/\/twitter.com\/bjakmy"],"logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1","contentUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1","width":756,"height":756,"caption":"Bjak"},"image":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/"}},{"@type":"WebSite","@id":"https:\/\/bjak.my\/blog\/#website","url":"https:\/\/bjak.my\/blog\/","name":"BJAK","description":"Renew your car and motor insurance at the lowest price! Fastest way to renew in Malaysia!","publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bjak.my\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#primaryimage","url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-151.jpg?fit=1600%2C1012&ssl=1","contentUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-151.jpg?fit=1600%2C1012&ssl=1","width":1600,"height":1012,"caption":"Car Got Scratched or Side Mirror Broken \u2014 Is It Covered?"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#webpage","url":"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered","name":"Car Got Scratched or Side Mirror Broken \u2014 Is It Covered? | BJAK","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#primaryimage"},"datePublished":"2025-11-22T12:34:42+00:00","dateModified":"2025-11-22T12:34:43+00:00","description":"BJAK | Car Insurance | Read about: Car Got Scratched or Side Mirror Broken \u2014 Is It Covered? Understand How Claims Work To Protect Your NCD!","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Car Got Scratched or Side Mirror Broken \u2014 Is It Covered?"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8"},"headline":"Car Got Scratched or Side Mirror Broken \u2014 Is It Covered?","datePublished":"2025-11-22T12:34:42+00:00","dateModified":"2025-11-22T12:34:43+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#webpage"},"wordCount":546,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/car-got-scratched-or-side-mirror-broken-is-it-covered#primaryimage"},"thumbnailUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-151.jpg?fit=1600%2C1012&ssl=1","keywords":["Car insurance","car scratch"],"articleSection":["Car Insurance"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8","name":"tariqsiregar@bjak.my","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g","caption":"tariqsiregar@bjak.my"},"url":"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my"}]}},"jetpack_featured_media_url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-151.jpg?fit=1600%2C1012&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/56710"}],"collection":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=56710"}],"version-history":[{"count":3,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/56710\/revisions"}],"predecessor-version":[{"id":56773,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/56710\/revisions\/56773"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/56771"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=56710"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=56710"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=56710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}