{"id":56963,"date":"2025-11-27T02:15:21","date_gmt":"2025-11-26T18:15:21","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56963"},"modified":"2025-11-27T02:15:22","modified_gmt":"2025-11-26T18:15:22","slug":"signs-your-car-is-under-insured","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/signs-your-car-is-under-insured","title":{"rendered":"Signs Your Car is 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-69d790289408a\" 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-69d790289408a\"><\/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\/signs-your-car-is-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\/signs-your-car-is-under-insured\/#1_Coverage_Value_Not_Updated\" title=\"1. Coverage Value Not Updated\">1. Coverage Value Not Updated<\/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\/signs-your-car-is-under-insured\/#2_Added_Accessories_Not_Reported\" title=\"2. Added Accessories Not Reported\">2. Added Accessories Not Reported<\/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\/signs-your-car-is-under-insured\/#3_Choosing_Low_Coverage_to_Save_on_Premiums\" title=\"3. Choosing Low Coverage to Save on Premiums\">3. Choosing Low Coverage to Save on Premiums<\/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\/signs-your-car-is-under-insured\/#4_New_Car_Modifications_Not_Updated\" title=\"4. New Car Modifications Not Updated\">4. New Car Modifications Not Updated<\/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\/signs-your-car-is-under-insured\/#5_Major_Repairs_Not_Updated\" title=\"5. Major Repairs Not Updated\">5. Major Repairs Not Updated<\/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\/signs-your-car-is-under-insured\/#6_Claim_Paid_Partially_Pro-Rata_Deduction\" title=\"6. Claim Paid Partially (Pro-Rata Deduction)\">6. Claim Paid Partially (Pro-Rata Deduction)<\/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\/signs-your-car-is-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>The signs of an under-insured car are often overlooked because many owners simply hit \u201crenew\u201d without checking their current coverage value. When coverage is lower than the car\u2019s market value, you risk reduced claim payouts or compensation far below actual repair costs.<\/p>\n\n\n\n<p>This situation is common in Malaysia due to yearly changes in car value, added accessories, or owners choosing lower coverage to save on premiums without realizing the risk.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Coverage_Value_Not_Updated\"><\/span><strong>1. Coverage Value Not Updated<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Car value depreciates every year. If owners don\u2019t review the current value and rely on system suggestions that are too low, the policy automatically becomes under-insured. This is more common with older cars, as depreciation is often not updated.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Added_Accessories_Not_Reported\"><\/span><strong>2. Added Accessories Not Reported<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many owners install rims, audio systems, sport absorbers, or body kits but fail to inform the insurer. When accessory value increases but the policy remains the same, the car becomes under-insured. In case of an accident, added accessories may not be covered.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Choosing_Low_Coverage_to_Save_on_Premiums\"><\/span><strong>3. Choosing Low Coverage to Save on Premiums<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The most common reason: owners select a low coverage value to reduce premiums. However, in the event of a major accident, insurance will only pay a portion of the costs based on the under-insurance ratio. The owner ends up bearing a large portion of the repair cost.<\/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=\"57026\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/signs-your-car-is-under-insured\/attachment\/4-175-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-175.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=\"4-175\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-175.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-175.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-175.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Checklist infographic showing signs a car is under-insured, including low coverage value, added accessories not reported, choosing low coverage, major repairs not updated, and partial claim payouts.\" class=\"wp-image-57026\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-175.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-175.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-175.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-175.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-175.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=\"4_New_Car_Modifications_Not_Updated\"><\/span><strong>4. New Car Modifications Not Updated<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A new car with premium tinted windows, dashcams, spoilers, or sport rims increases in value. If the policy still uses the base value, even small changes can make the car under-insured.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Major_Repairs_Not_Updated\"><\/span><strong>5. Major Repairs Not Updated<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>After an accident, owners may carry out significant repairs that increase the car\u2019s value. If the next year\u2019s policy still uses the old value, coverage does not match the current car value, keeping the risk of under-insurance.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"6_Claim_Paid_Partially_Pro-Rata_Deduction\"><\/span><strong>6. Claim Paid Partially (Pro-Rata Deduction)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The clearest sign of an under-insured car usually appears after an accident. If the insurer only covers part of the repair costs despite clear damage, it indicates your coverage is lower than the actual value of the car.<\/p>\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>Signs that your car is under-insured can be identified if owners take the time to review coverage value at each renewal. Ensure coverage aligns with the current car value to avoid reduced payouts or significant financial loss in an accident. By choosing the correct value and updating accessories or repairs, you can maintain adequate protection and minimize financial risk.<\/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=signs-your-car-is-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\/info\/flood-early-warning-apps-for-car-owners\">Flood Early-Warning Apps for Car Owners<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/malaysia-rainy-season-flood-hotspots-car-owner-tips\">Malaysia Rainy Season: Flood Hotspots &amp; Car Owner Tips<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/engine-risks-large-vs-small-cc-cars-when-flooded\">Engine Risks: Large vs Small CC Cars When Flooded<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many car owners are unaware that their insurance coverage is lower than the actual value of their vehicle. This article explains the key signs your car may be under-insured and steps to avoid financial loss in case of a claim.<\/p>\n","protected":false},"author":31,"featured_media":57025,"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":[429,3206],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Signs Your Car is Under-Insured | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Signs Your Car is Under-Insured . 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