{"id":59211,"date":"2026-03-04T14:59:52","date_gmt":"2026-03-04T06:59:52","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59211"},"modified":"2026-03-05T17:06:00","modified_gmt":"2026-03-05T09:06:00","slug":"understanding-motorcycle-claims","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/motorcycle-insurance\/understanding-motorcycle-claims","title":{"rendered":"Understanding Motorcycle Claims"},"content":{"rendered":"\n<p>Understanding motorcycle claims in Malaysia is important because many drivers believe the system is unfair. In reality, insurance claims are based on fault and liability, not vehicle type. Besides that, If a car causes an accident, the motorcyclist claims against the car\u2019s third-party insurance. Whereas, If a motorcycle rider causes damage, the car owner claims against the motorcycle\u2019s third-party insurance. Furthermore, confusion usually comes from how investigations determine liability, not from different claim rights.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\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-69e9588231e79\" 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-69e9588231e79\"><\/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\/motorcycle-insurance\/understanding-motorcycle-claims\/#How_Motorcycle_vs_Car_Insurance_Claims_Work\" title=\"How Motorcycle vs Car Insurance Claims Work\">How Motorcycle vs Car Insurance Claims Work<\/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\/motorcycle-insurance\/understanding-motorcycle-claims\/#Eligibility_Checklist_Before_Filing_a_Claim\" title=\"Eligibility Checklist Before Filing a Claim\">Eligibility Checklist Before Filing a Claim<\/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\/motorcycle-insurance\/understanding-motorcycle-claims\/#What_Is_Affected_in_Motorcycle-Related_Claims\" title=\"What Is Affected in Motorcycle-Related Claims?\">What Is Affected in Motorcycle-Related Claims?<\/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\/motorcycle-insurance\/understanding-motorcycle-claims\/#Recommended_Coverage_Strategy\" title=\"Recommended Coverage Strategy\">Recommended Coverage Strategy<\/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\/motorcycle-insurance\/understanding-motorcycle-claims\/#FAQ_%E2%80%93_Motorcycle_vs_Car_Insurance_Claims\" title=\"FAQ \u2013 Motorcycle vs Car Insurance Claims\">FAQ \u2013 Motorcycle vs Car Insurance Claims<\/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\/motorcycle-insurance\/understanding-motorcycle-claims\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_Motorcycle_vs_Car_Insurance_Claims_Work\"><\/span><strong>How Motorcycle vs Car Insurance Claims Work<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In Malaysia, every vehicle must have at least third party insurance. The party proven negligent pays through their insurer.<\/p>\n\n\n\n<p>If a <strong>car is at fault<\/strong>:<\/p>\n\n\n\n<ul><li>The motorcyclist can claim against the car\u2019s third party insurance.<br><\/li><li>The car owner may claim under their own comprehensive policy (if they have one).<br><\/li><\/ul>\n\n\n\n<p>If a <strong>motorcycle is at fault<\/strong>:<\/p>\n\n\n\n<ul><li>The car owner can claim against the motorcycle\u2019s third party insurance.<br><\/li><li>The motorcyclist may claim under their own policy if covered.<br><\/li><\/ul>\n\n\n\n<p>There is no rule that prevents a car from claiming against motorcycle insurance. Besides that, what matters is the police report and fault determination.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Eligibility_Checklist_Before_Filing_a_Claim\"><\/span><strong>Eligibility Checklist Before Filing a Claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Make sure these conditions are met:<\/p>\n\n\n\n<ul><li>Police report lodged within 24 hours<br><\/li><li>Insurance policy active at time of accident<br><\/li><li>Clear accident details and supporting evidence<br><\/li><li>Vehicle ownership matches policyholder<br><\/li><\/ul>\n\n\n\n<p>Insurers further investigate before approving claims when parties dispute fault.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Affected_in_Motorcycle-Related_Claims\"><\/span><strong>What Is Affected in Motorcycle-Related Claims?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>These factors can change depending on the outcome:<\/p>\n\n\n\n<ul><li><strong>NCD status<\/strong> \u2013 Own-damage claim resets NCD to 0%<br><\/li><li><strong>Premium next year<\/strong> \u2013 Higher if NCD is lost<br><\/li><li><strong>Claim approval time<\/strong> \u2013 Longer if liability is disputed<br><\/li><li><strong>Repair process<\/strong> \u2013 Faster under own policy vs third party claim<br><\/li><li><strong>Excess payment<\/strong> \u2013 May apply depending on policy terms<br><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"59215\" data-permalink=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/understanding-motorcycle-claims\/attachment\/for-blog-432026-3-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-3-1.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=\"FOR-BLOG-432026-3-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-3-1.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-3-1.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-3-1.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"A thoughtful Malaysian motorcyclist sits parked at the side of a busy street in a town, deeply engrossed in thought with his chin in his hand. Floating above his head are five speech bubbles, each containing a specific question related to motorcycle insurance:No Claims Discount (NCD) Status?\n\nPremium Cost Next Year?\n\nClaim Approval Prospects?\n\nRepair Process Time?\n\nExcess Payment Amount?\" class=\"wp-image-59215\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-3-1.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-3-1.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-3-1.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-3-1.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/FOR-BLOG-432026-3-1.jpg?w=1708&amp;ssl=1 1708w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><figcaption>If you claim under your own comprehensive policy first, your insurer may later recover from the other party through subrogation.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Recommended_Coverage_Strategy\"><\/span><strong>Recommended Coverage Strategy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For car owners:<\/p>\n\n\n\n<ul><li>Comprehensive coverage offers faster repair under own policy.<br><\/li><li>Third party only coverage means you must rely entirely on the other party\u2019s insurer.<br><\/li><\/ul>\n\n\n\n<p>For motorcycle owners:<\/p>\n\n\n\n<ul><li>Consider comprehensive if the bike has high value.<br><\/li><li>Third party only coverage limits your protection to liability claims.<br><\/li><\/ul>\n\n\n\n<p>Choosing the lowest premium is not always the safest long-term option.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ_%E2%80%93_Motorcycle_vs_Car_Insurance_Claims\"><\/span><strong>FAQ \u2013 Motorcycle vs Car Insurance Claims<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. Can a motorcycle claim against car insurance?<br><\/strong> Yes, when car is proven at fault.<\/p>\n\n\n\n<p><strong>2. Can a car claim against motorcycle insurance?<\/strong><strong><br><\/strong> Yes, if the motorcycle rider is proven at fault.<\/p>\n\n\n\n<p><strong>3. Why do people think it\u2019s one-sided?<br><\/strong>Insurers favor motorcycles in liability findings when unclear evidence exists because they consider them vulnerable<\/p>\n\n\n\n<p><strong>4. Does making a claim affect NCD?<\/strong><strong><br><\/strong> Yes. Any own-damage claim resets NCD to 0%.<\/p>\n\n\n\n<p><strong>5. What if both parties are partially at fault?<br><\/strong>Parties may share liability, and insurers adjust compensation accordingly.<\/p>\n\n\n\n<p><strong>6. Is a police report compulsory?<\/strong><strong><br><\/strong> Yes. Without it, most insurers will not process third party claims.<\/p>\n\n\n\n<p><strong>7. Is it faster to claim under my own insurance?<\/strong><strong><br><\/strong> Usually yes, if you have comprehensive coverage.<\/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>Motorcycle claims in Malaysia are not based on vehicle type but on fault determination. Cars and motorcycles claim against each other\u2019s third-party insurance once they prove negligence. Understanding motorcycle claims and how liability works helps you avoid misinformation and choose the right level of coverage before an accident happens.<\/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=understanding-motorcycle-claims\" 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\/method-on-checking-ncd-in-2026\">Method on Checking NCD in 2026<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/senarai-harga-roadtax-kereta-bagi-tahun-2026\">Senarai Harga Roadtax Kereta Bagi Tahun 2026<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-renewal-how-to\">Car Insurance Renewal \u2014 How To&nbsp;<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Motorcycle insurance claims in Malaysia depend on fault, not vehicle type. Both motorcyclists and car owners can claim against each other\u2019s third party insurance if negligence is proven. Accurate police reports, active policies, and clear evidence are essential. Understanding liability helps ensure proper claim handling, protects your NCD, and guides coverage choices.<\/p>\n","protected":false},"author":31,"featured_media":59199,"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":[1898],"tags":[2722,59,3484],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding Motorcycle Claims | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Motorcycle insurance | Read about: Understanding Motorcycle Claims Motorcycle claims in Malaysia depend on fault, affecting coverage and 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\/motorcycle-insurance\/understanding-motorcycle-claims\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding Motorcycle Claims | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Motorcycle insurance | Read about: Understanding Motorcycle Claims Motorcycle claims in Malaysia depend on fault, affecting coverage and NCD.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/understanding-motorcycle-claims\" \/>\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=\"2026-03-04T06:59:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-05T09:06:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2026\/03\/3.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! 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