{"id":56859,"date":"2025-11-26T00:08:50","date_gmt":"2025-11-25T16:08:50","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56859"},"modified":"2025-11-26T00:08:53","modified_gmt":"2025-11-25T16:08:53","slug":"your-car-under-insured","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/your-car-under-insured","title":{"rendered":"Your Car Under-Insured?"},"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-69d79af5e04d3\" 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-69d79af5e04d3\"><\/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\/your-car-under-insured\/#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\/your-car-under-insured\/#1_What_Is_Under-Insured\" title=\"1. What Is Under-Insured?\">1. What Is Under-Insured?<\/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\/your-car-under-insured\/#2_Market_Value_vs_Agreed_Value\" title=\"2. Market Value vs Agreed Value\">2. Market Value vs Agreed Value<\/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\/your-car-under-insured\/#3_Tips_to_Avoid_Being_Under-Insured\" title=\"3. Tips to Avoid Being Under-Insured\">3. Tips to Avoid Being Under-Insured<\/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\/your-car-under-insured\/#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>Many car owners are unaware when their car is under-insured. <strong>As a result<\/strong>, insurance payouts may fall short if an accident occurs. <strong>Moreover<\/strong>, understanding the difference between market value and agreed value helps you make informed decisions. <strong>For example<\/strong>, choosing the right coverage ensures your vehicle receives full protection. <strong>Equally important<\/strong>, regular updates to your sum insured keep your policy aligned with your car\u2019s current value. This article breaks down these concepts and guides you on selecting the best coverage to safeguard your vehicle.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_What_Is_Under-Insured\"><\/span><strong>1. What Is Under-Insured?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>A car becomes under-insured when the Sum Insured (SI) does not cover its actual value.<\/li><li>In an accident or major damage, the insurance will only pay based on SI, <strong>not the full repair cost<br><\/strong><\/li><li>The risk is highest for luxury or imported cars<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Market_Value_vs_Agreed_Value\"><\/span><strong>2. Market Value vs Agreed Value<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Market Value<\/strong> \u2192 insurance pays according to the car\u2019s current market price on the day of the claim<br><\/li><li><strong>Agreed Value<\/strong> \u2192 a pre-agreed value at policy purchase; insurance pays the fixed amount even if market value drops<br><\/li><li>Agreed value is usually more expensive but <strong>protects owners from significant losses<\/strong><strong><br><\/strong><\/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=\"56924\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/your-car-under-insured\/attachment\/4-173-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-173.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=\"4-173\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-173.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-173.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\/4-173.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing the difference between market value and agreed value, and tips to avoid under-insured cars for optimal insurance claims.\" class=\"wp-image-56924\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-173.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-173.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-173.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-173.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-173.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=\"3_Tips_to_Avoid_Being_Under-Insured\"><\/span><strong>3. Tips to Avoid Being Under-Insured<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Check the <strong>current market value<\/strong> when purchasing insurance<br><\/li><li>Choose <strong>agreed value<\/strong> for new, imported, or limited-edition cars<br><\/li><li>Update SI if the car has been upgraded or market value increases<br><\/li><li>Use BJAK services to compare values and policies for accurate coverage<br><\/li><\/ul>\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>As a result by knowing whether your <strong>car is not under-insured<\/strong> is key to optimal protection. Understand the difference between market value and agreed value, select the right policy, and regularly check your SI so insurance claims fully cover damages. <strong>Proper coverage = safer and less financial risk.<\/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=your-car-under-insured\" 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\/accident-but-ncd-doesnt-drop-heres-how\">Accident But NCD Doesn\u2019t Drop? Here\u2019s How<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/difference-between-vandalism-vs-malicious-damage\">Difference Between Vandalism vs Malicious Damage<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/water-in-engine-total-loss-know-the-flood-risks\">Water in Engine = Total Loss? Know the Flood Risks<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Don\u2019t let your car be under-insured! Understand the difference between market value and agreed value to ensure insurance claims cover repairs if an accident occurs.<\/p>\n","protected":false},"author":31,"featured_media":56923,"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":[2959,429,2836,3206],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Your Car Under-Insured? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Your Car Under-Insured? 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