{"id":58503,"date":"2025-12-19T15:35:27","date_gmt":"2025-12-19T07:35:27","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=58503"},"modified":"2025-12-19T15:36:03","modified_gmt":"2025-12-19T07:36:03","slug":"car-accidents-involving-drivers-passengers-third-parties","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-accidents-involving-drivers-passengers-third-parties","title":{"rendered":"Car Accidents Involving Drivers, Passengers &#038; Third Parties"},"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-69d761d960867\" 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-69d761d960867\"><\/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-accidents-involving-drivers-passengers-third-parties\/#Introduction\" title=\"Introduction\">Introduction<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-accidents-involving-drivers-passengers-third-parties\/#Who_Can_File_a_Claim_in_Car_Accidents\" title=\"Who Can File a Claim in Car Accidents?\">Who Can File a Claim in Car Accidents?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-accidents-involving-drivers-passengers-third-parties\/#Claims_Procedure\" title=\"Claims Procedure\">Claims Procedure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-accidents-involving-drivers-passengers-third-parties\/#Implications_for_Insurance_Policy_NCD\" title=\"Implications for Insurance Policy &amp; NCD\">Implications for Insurance Policy &amp; NCD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-accidents-involving-drivers-passengers-third-parties\/#Tips_to_Avoid_Conflicts_Problems\" title=\"Tips to Avoid Conflicts &amp; Problems\">Tips to Avoid Conflicts &amp; Problems<\/a><\/li><\/ul><\/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-accidents-involving-drivers-passengers-third-parties\/#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>In many car accidents involving drivers, it\u2019s not just the driver who may file an insurance claim\u2014passengers and third parties can also submit claims. This situation can become complex, especially when all three parties claim simultaneously. Hence, this article explains the rights of each party, the claims process, and how to ensure your insurance policy remains valid and provides full protection.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Who_Can_File_a_Claim_in_Car_Accidents\"><\/span><strong>Who Can File a Claim in Car Accidents?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Driver:<\/strong> Covered by an existing car insurance policy for their own vehicle damage (comprehensive) or third-party liability.<\/p>\n\n\n\n<p><strong>Passenger:<\/strong> Requires Personal Accident (PA) coverage or a relevant add-on to cover medical costs and disability.<\/p>\n\n\n\n<p><strong>Third Party:<\/strong> Can claim compensation for property damage or injury through the driver\u2019s third-party insurance policy.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Claims_Procedure\"><\/span><strong>Claims Procedure<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Report the accident immediately to the police and obtain a police report.<br><\/li><li>Take photos of the location, vehicles, and injuries for evidence.<br><\/li><li>Contact the respective insurance companies and submit all required documents.<br><\/li><li>Monitor the claims process for each party and keep a record of all communications.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Implications_for_Insurance_Policy_NCD\"><\/span><strong>Implications for Insurance Policy &amp; NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Claims made by the driver may affect the No Claim Discount (NCD).<br><\/li><li>Claims made by passengers or third parties usually do not affect the driver\u2019s NCD but may increase the next renewal premium.<br><\/li><li>Gaps in the policy or incorrect information can delay the claims process.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Tips_to_Avoid_Conflicts_Problems\"><\/span><strong>Tips to Avoid Conflicts &amp; Problems<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Always ensure the driver is listed on the insurance policy.<br><\/li><li>Check whether passengers are covered under PA before starting the journey.<br><\/li><li>Keep all evidence and documents. Moreover, including the police report and photos of damage.<br><\/li><li>Lastly, understand the coverage limits of your policy for all three parties.<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=\"58582\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/car-accidents-involving-drivers-passengers-third-parties\/attachment\/4-102-3\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-102.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" 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=\"4-102\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-102.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-102.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\/12\/4-102.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing steps to file accident claims for drivers, passengers, and third parties, including necessary documents and evidence.\" class=\"wp-image-58582\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-102.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-102.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-102.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-102.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/4-102.jpg?w=1708&amp;ssl=1 1708w\" 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>Car accidents involving multiple parties can be complex, but with proper preparation and understanding of each party\u2019s rights, the claims process can run smoothly. Furthermore, always ensure your insurance policy is up to date, passengers are covered, and all documentation is properly maintained to avoid conflicts.<\/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-accidents-involving-drivers-passengers--third-parties\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/common-mistakes-when-renewing-car-insurance-in-malaysia\">Common Mistakes When Renewing Car Insurance in Malaysia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ev-battery-damage-in-malaysia-main-causes-prevention\">EV Battery Damage in Malaysia \u2013 Main Causes &amp; Prevention<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/info\/updating-engine-or-engine-number-in-jpj-quick-guide\">Updating Engine or Engine Number in JPJ \u2013 Quick Guide<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p> Car accidents involving drivers can become complicated when passengers and third parties also file claims. Learn about rights, claims procedures, and how to avoid conflicts to ensure your insurance coverage remains valid.<\/p>\n","protected":false},"author":31,"featured_media":58545,"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":[429,3410,3376,2843],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Accidents Involving Drivers, Passengers &amp; Third Parties | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Car Accidents Involving Drivers, Passengers &amp; Third Parties\" \/>\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-accidents-involving-drivers-passengers-third-parties\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Accidents Involving Drivers, Passengers &amp; Third Parties | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Car Insurance | Read about: Car Accidents Involving Drivers, Passengers &amp; Third Parties\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/car-accidents-involving-drivers-passengers-third-parties\" \/>\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=\"2025-12-19T07:35:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-19T07:36:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/2-81.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! 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