{"id":56966,"date":"2025-11-27T02:15:50","date_gmt":"2025-11-26T18:15:50","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56966"},"modified":"2025-11-27T02:15:52","modified_gmt":"2025-11-26T18:15:52","slug":"risks-of-being-under-insured-losses-when-filing-claim","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim","title":{"rendered":"Risks of Being Under-Insured: Losses When Filing Claim"},"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-69d7904ca7244\" 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-69d7904ca7244\"><\/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\/risks-of-being-under-insured-losses-when-filing-claim\/#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\/risks-of-being-under-insured-losses-when-filing-claim\/#1_What_is_the_Risk_of_Being_Under-Insured\" title=\"1. What is the Risk of Being Under-Insured?\">1. What is the Risk of Being 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\/risks-of-being-under-insured-losses-when-filing-claim\/#2_Factors_That_Increase_Under-Insurance_Risk\" title=\"2. Factors That Increase Under-Insurance Risk\">2. Factors That Increase Under-Insurance Risk<\/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\/risks-of-being-under-insured-losses-when-filing-claim\/#3_Impact_of_Being_Under-Insured\" title=\"3. Impact of Being Under-Insured\">3. Impact of 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\/risks-of-being-under-insured-losses-when-filing-claim\/#4_How_to_Reduce_the_Risk\" title=\"4. How to Reduce the Risk\">4. How to Reduce the Risk<\/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\/risks-of-being-under-insured-losses-when-filing-claim\/#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 risks of being under-insured are often underestimated, but the impact can be substantial during an accident. When your insurance coverage is lower than the current value of your car, the insurer will only pay a portion of the repair costs. As a result, the car owner has to cover the difference \u2014 sometimes thousands of ringgit.<\/p>\n\n\n\n<p>Understanding under-insurance helps car owners make smarter decisions during policy renewal, evaluate the right coverage, and ensure adequate protection.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_What_is_the_Risk_of_Being_Under-Insured\"><\/span><strong>1. What is the Risk of Being Under-Insured?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li>The risk happens when your insurance coverage is lower than your vehicle\u2019s actual value. In this situation, any accident claim is paid <strong>pro-rata<\/strong>, meaning the insurer only covers a portion of the total damage.<br><\/li><\/ol>\n\n\n\n<p>For example:<\/p>\n\n\n\n<ul><li>Actual car value: <strong>RM50,000<\/strong><strong><br><\/strong><\/li><li>Insured value: <strong>RM40,000<\/strong><strong><br><\/strong><\/li><li>Repair cost: <strong>RM20,000<\/strong><strong><br><\/strong><\/li><\/ul>\n\n\n\n<p><strong>Pro-rata formula:<\/strong><strong><br><\/strong> Damage Cost \u00d7 (Insured Value \u00f7 Actual Value)<\/p>\n\n\n\n<p>So the payout becomes:<\/p>\n\n\n\n<p><strong>RM20,000 \u00d7 (RM40,000 \u00f7 RM50,000) = RM16,000<\/strong>The owner must then pay the remaining <strong>RM4,000<\/strong> out of pocket.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Factors_That_Increase_Under-Insurance_Risk\"><\/span><strong>2. Factors That Increase Under-Insurance Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Car market value rises but the policy is not updated<br><\/li><li>Added accessories not reported to the insurer<br><\/li><li>Owner chooses a low coverage value to save on premiums<br><\/li><li>Major repairs or upgrades not declared<br><\/li><\/ul>\n\n\n\n<p>Each factor increases the likelihood of financial loss during a claim.<\/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=\"57029\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim\/attachment\/4-176-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-176.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=\"4-176\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-176.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-176.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\/4-176.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infographic showing the impact of under-insurance, including pro-rata calculation example, contributing factors, and steps to reduce losses.\" class=\"wp-image-57029\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-176.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-176.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-176.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-176.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-176.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_Impact_of_Being_Under-Insured\"><\/span><strong>3. Impact of Being Under-Insured<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Reduced compensation (pro-rata)<br><\/li><li>Car owner bears high repair costs<br><\/li><li>In total loss situations, insurer pays less than the car\u2019s market value<br><\/li><li>Can lead to serious financial loss, especially for new or expensive cars<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_How_to_Reduce_the_Risk\"><\/span><strong>4. How to Reduce the Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Check your car\u2019s current value before renewing your policy<br><\/li><li>Update any accessories, upgrades, or major repairs<br><\/li><li>Choose adequate coverage; don\u2019t go too low just to save on premiums<br><\/li><li>Use licensed platforms like BJAK to compare policies and get accurate advice<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>Risks of being under-insured can lead to significant financial loss if car owners don\u2019t check coverage values and update policies. By understanding contributing factors and taking preventive steps, you can reduce risk and ensure insurance payouts are sufficient to cover actual damage.<\/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=risks-of-being-under-insured-losses-when-filing-claim\" 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\/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\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-planning-based-on-area-risk\">Insurance Planning Based on Area Risk<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many car owners are unaware that being under-insured can lead to significant financial loss during a claim. This article explains how much you could lose and ways to reduce this risk.<\/p>\n","protected":false},"author":31,"featured_media":57028,"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>Risks of Being Under-Insured: Losses When Filing Claim | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Risks of Being Under-Insured: Losses When Filing Claim . Learn how to properly calculate insurance coverage\" \/>\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\/risks-of-being-under-insured-losses-when-filing-claim\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Risks of Being Under-Insured: Losses When Filing Claim | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Risks of Being Under-Insured: Losses When Filing Claim . Learn how to properly calculate insurance coverage\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim\" \/>\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=\"2025-11-26T18:15:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-26T18:15:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-173.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=\"2 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\/risks-of-being-under-insured-losses-when-filing-claim#primaryimage\",\"url\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-173.jpg?fit=1600%2C1012&ssl=1\",\"contentUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-173.jpg?fit=1600%2C1012&ssl=1\",\"width\":1600,\"height\":1012,\"caption\":\"Risks of Being Under-Insured: Losses When Filing Claim\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim\",\"name\":\"Risks of Being Under-Insured: Losses When Filing Claim | BJAK\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#primaryimage\"},\"datePublished\":\"2025-11-26T18:15:50+00:00\",\"dateModified\":\"2025-11-26T18:15:52+00:00\",\"description\":\"BJAK | Car Insurance | Read about: Risks of Being Under-Insured: Losses When Filing Claim . Learn how to properly calculate insurance coverage\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Risks of Being Under-Insured: Losses When Filing Claim\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\"},\"headline\":\"Risks of Being Under-Insured: Losses When Filing Claim\",\"datePublished\":\"2025-11-26T18:15:50+00:00\",\"dateModified\":\"2025-11-26T18:15:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#webpage\"},\"wordCount\":365,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-173.jpg?fit=1600%2C1012&ssl=1\",\"keywords\":[\"Car insurance\",\"under insured\"],\"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":"Risks of Being Under-Insured: Losses When Filing Claim | BJAK","description":"BJAK | Car Insurance | Read about: Risks of Being Under-Insured: Losses When Filing Claim . Learn how to properly calculate insurance coverage","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\/risks-of-being-under-insured-losses-when-filing-claim","og_locale":"en_US","og_type":"article","og_title":"Risks of Being Under-Insured: Losses When Filing Claim | BJAK","og_description":"BJAK | Car Insurance | Read about: Risks of Being Under-Insured: Losses When Filing Claim . Learn how to properly calculate insurance coverage","og_url":"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2025-11-26T18:15:50+00:00","article_modified_time":"2025-11-26T18:15:52+00:00","og_image":[{"width":1600,"height":1012,"url":"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-173.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":"2 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\/risks-of-being-under-insured-losses-when-filing-claim#primaryimage","url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-173.jpg?fit=1600%2C1012&ssl=1","contentUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-173.jpg?fit=1600%2C1012&ssl=1","width":1600,"height":1012,"caption":"Risks of Being Under-Insured: Losses When Filing Claim"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#webpage","url":"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim","name":"Risks of Being Under-Insured: Losses When Filing Claim | BJAK","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#primaryimage"},"datePublished":"2025-11-26T18:15:50+00:00","dateModified":"2025-11-26T18:15:52+00:00","description":"BJAK | Car Insurance | Read about: Risks of Being Under-Insured: Losses When Filing Claim . Learn how to properly calculate insurance coverage","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Risks of Being Under-Insured: Losses When Filing Claim"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8"},"headline":"Risks of Being Under-Insured: Losses When Filing Claim","datePublished":"2025-11-26T18:15:50+00:00","dateModified":"2025-11-26T18:15:52+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#webpage"},"wordCount":365,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/car-insurance\/risks-of-being-under-insured-losses-when-filing-claim#primaryimage"},"thumbnailUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/2-173.jpg?fit=1600%2C1012&ssl=1","keywords":["Car insurance","under insured"],"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\/2-173.jpg?fit=1600%2C1012&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/56966"}],"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=56966"}],"version-history":[{"count":4,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/56966\/revisions"}],"predecessor-version":[{"id":57030,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/56966\/revisions\/57030"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/57028"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=56966"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=56966"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=56966"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}