{"id":60795,"date":"2026-07-30T13:14:56","date_gmt":"2026-07-30T05:14:56","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60795"},"modified":"2026-07-30T15:19:10","modified_gmt":"2026-07-30T07:19:10","slug":"motorcycle-accident-claims-what-every-rider-must-know","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-accident-claims-what-every-rider-must-know","title":{"rendered":"Motorcycle Accident Claims \u2014 What Every Rider Must Know"},"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-6a6b31622cade\" 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-6a6b31622cade\"><\/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\/motorcycle-accident-claims-what-every-rider-must-know\/#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\/motorcycle-insurance\/motorcycle-accident-claims-what-every-rider-must-know\/#What_to_Do_Immediately_After_an_Accident\" title=\"What to Do Immediately After an Accident\">What to Do Immediately After an Accident<\/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\/motorcycle-accident-claims-what-every-rider-must-know\/#Filing_the_Police_Report\" title=\"Filing the Police Report\">Filing the Police Report<\/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\/motorcycle-accident-claims-what-every-rider-must-know\/#Types_of_Motorcycle_Insurance_Claims\" title=\"Types of Motorcycle Insurance Claims\">Types of Motorcycle Insurance Claims<\/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\/motorcycle-accident-claims-what-every-rider-must-know\/#Documents_Required_for_Motorcycle_Claims\" title=\"Documents Required for Motorcycle Claims\">Documents Required for Motorcycle 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\/motorcycle-accident-claims-what-every-rider-must-know\/#Frequently_Asked_Questions_FAQ\" title=\"Frequently Asked Questions (FAQ)\">Frequently Asked Questions (FAQ)<\/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\/motorcycle-insurance\/motorcycle-accident-claims-what-every-rider-must-know\/#Related_Bjak_Guides\" title=\"Related Bjak Guides\">Related Bjak Guides<\/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\/motorcycle-insurance\/motorcycle-accident-claims-what-every-rider-must-know\/#How_Bjak_Helps\" title=\"How Bjak Helps\">How Bjak Helps<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-accident-claims-what-every-rider-must-know\/#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>This Malaysia motorcycle accident claims guide explains what to do in the first 24 hours to protect your claim outcome. Motorcycle riders in Malaysia face higher risks on the road. When an accident happens, knowing the correct steps can help you get your claim processed smoothly and protect your No Claim Discount (NCD).<\/p>\n\n\n\n<p><strong>For example,<\/strong> if you are unsure of the motorcycle accident claims Malaysia process \u2013 such as how to lodge reports and prepare documents \u2013 this guide will walk you through exactly what to do in the critical hours following an incident.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_to_Do_Immediately_After_an_Accident\"><\/span><strong>What to Do Immediately After an Accident<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you are involved in a collision, do not panic. Follow these steps to stay safe and secure your claim:<\/p>\n\n\n\n<ol><li><strong>Ensure Safety First:<\/strong> Ensure everyone is safe and call for medical help if needed. After that, move to a safe spot if possible.<\/li><li><strong>Do Not Move Vehicles Unnecessarily:<\/strong> <strong>Next,<\/strong> do not move the vehicles unless necessary for safety or instructed by authorities.<\/li><li><strong>Document the Scene:<\/strong> Take clear photos of the scene, vehicle damage, and number plates. In addition, capture close-up shots of key damage points to help the adjuster.<\/li><li><strong>Exchange Information:<\/strong> Exchange details with the other party, including their name, IC, phone number, insurance details, and vehicle registration.<\/li><li><strong>Find Witnesses:<\/strong> If there are witnesses, politely ask for their names and contact numbers to support your claim later.<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Filing_the_Police_Report\"><\/span><strong>Filing the Police Report<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You must lodge a police report within 24 hours of the accident. <strong>Otherwise<\/strong>, you can receive a summons and insurers may doubt your claim. <strong>In addition,<\/strong> insurers require the original copy of the police report for all types of claims, regardless of who is at fault.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Types_of_Motorcycle_Insurance_Claims\"><\/span><strong>Types of Motorcycle Insurance Claims<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Understanding the different types of claims can help you determine the best course of action:<\/p>\n\n\n\n<ul><li><strong>Own Damage Claim:<\/strong> You file this claim against your own comprehensive policy when the accident was your fault. Note that an own-damage claim resets your NCD to 0%.<\/li><li><strong>No-Fault Damage (OD-KFK) Claim:<\/strong> If the accident was not your fault and you have comprehensive cover, you can make a No-Fault Damage claim from your own insurance company. In most cases, this saves you time and retains your NCD.<\/li><li><strong>Third-Party Claim:<\/strong> A Third Party claim is filed when you have been in an accident that was not your fault where the other party needs to pay for your damages. <strong>In general,<\/strong> in Malaysia every motorised vehicle is required to have at least a Third Party insurance policy.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Documents_Required_for_Motorcycle_Claims\"><\/span><strong>Documents Required for Motorcycle Claims<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To process your claim, your insurer will typically need specific documents. As a result, preparing all required insurance claim documents is not just a formality. It helps speed up the claim process and reduces the risk of rejection.<\/p>\n\n\n\n<p>Here is a quick reference table of the standard required documents:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Document<\/strong><\/td><td><strong>Description<\/strong><\/td><\/tr><tr><td><strong>Claim Form<\/strong><\/td><td>A duly completed and signed Motor Claim Form from your insurer.<\/td><\/tr><tr><td><strong>Police Report<\/strong><\/td><td>The original certified copy of the police report.<\/td><\/tr><tr><td><strong>Identification<\/strong><\/td><td>Copy of the policyholder&#8217;s and driver&#8217;s IC (or NRIC) and valid driving license.<\/td><\/tr><tr><td><strong>Vehicle Ownership Proof<\/strong><\/td><td>Copy of the motorcycle registration card or Vehicle Ownership Certificate (VOC).<\/td><\/tr><tr><td><strong>Insurance Proof<\/strong><\/td><td>Insurance Certificate and Cover Note confirming active policy.<\/td><\/tr><tr><td><strong>Photographs<\/strong><\/td><td>Provide clear photos of the accident scene and show where the vehicle is damaged.<\/td><\/tr><tr><td><strong>Repair Estimates<\/strong><\/td><td>A repair quotation or estimate from an approved panel workshop.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQ\"><\/span><strong>Frequently Asked Questions (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Do I need a police report for every accident?<\/strong><\/li><li>In most cases, yes \u2013 especially if there is injury, a dispute over fault, or significant damage. It is required for most insurance claims.<\/li><li><strong>Can I claim if I don&#8217;t have comprehensive cover?<\/strong><\/li><li>However, you can only claim from the other party&#8217;s insurance if they are entirely at fault (third-party claim). If you do not have comprehensive cover and the accident was your fault, you would not be able to claim from any insurance.<\/li><li><strong>How long does a motorcycle claim take?<\/strong><\/li><li>Typically, claim approval often takes longer when either party disputes liability.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Related_Bjak_Guides\"><\/span><strong>Related Bjak Guides<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For more context, read our guides on the<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/third-party-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"> pros &amp; cons of third-party insurance<\/a>, get<a href=\"https:\/\/bjak.my\/blog\/featured\/comprehensive-car-insurance\" target=\"_blank\" rel=\"noreferrer noopener\"> comprehensive insurance explained<\/a>, and review our full<a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-in-malaysia-common-myths-facts-about-car-insurance-discounts\" target=\"_blank\" rel=\"noreferrer noopener\"> guide to NCD rates<\/a>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_Bjak_Helps\"><\/span><strong>How Bjak Helps<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bjak offers seamless motorcycle insurance comparison from multiple top insurers. Riders can easily find suitable cover, compare prices, and renew online in minutes, complete with free renewal reminders.<\/p>\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>Overall, knowing the correct procedure after a motorcycle accident helps protect your rights and significantly speeds up your claim process. Always ride safely and ensure you stay adequately insured.<\/p>\n\n\n\n<p>Compare motorcycle insurance quotes and renew in minutes on <strong><a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=motorcycle-accident-claims--what-every-rider-must-know\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a><\/strong> today!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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=motorcycle-accident-claims--what-every-rider-must-know\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p><br>Also Read:<br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-protector-add-on-is-it-worth-paying-to-keep-your-discount\">NCD Protector Add-On: Is It Worth It?<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-renewal-auto-vs-manual-which-is-safer\">Car Insurance Renewal: Auto vs Manual \u2014 Which Is Safer?<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/total-loss-car-insurance-claim-how-payout-is-calculated\">Total Loss Car Insurance Claim \u2014 How Payout Is Calculated<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Being involved in a motorcycle accident can be stressful. This Malaysia motorcycle accident claims guide explains what to do in the first 24 hours to protect your claim outcome<\/p>\n","protected":false},"author":39,"featured_media":60796,"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":[3019,59,3020],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Motorcycle Accident Claims \u2014 What Every Rider Must Know | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Motorcycle insurance | Read about: Motorcycle Accident Claims \u2014 What Every Rider Must Know Being involved in a motorcycle accident can be stressful. 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