{"id":6391,"date":"2021-11-02T19:21:49","date_gmt":"2021-11-02T11:21:49","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=6391"},"modified":"2025-09-12T17:36:55","modified_gmt":"2025-09-12T09:36:55","slug":"why-your-car-insurance-claim-might-get-rejected","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/why-your-car-insurance-claim-might-get-rejected","title":{"rendered":"Why Your Car Insurance Claim Might Get Rejected"},"content":{"rendered":"\n<p>Having car insurance, you may think you will be able to make an insurance claim if <em>anything <\/em>untoward happens to your car. However, there are reasons or situations where your car insurance claim might get rejected.<\/p>\n\n\n\n<p>For your awareness, we share in this article a few reasons why your insurance claim might get rejected and situations not covered by your insurance.<\/p>\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-69e345f53cec4\" 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-69e345f53cec4\"><\/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\/why-your-car-insurance-claim-might-get-rejected\/#Reasons_why_your_car_insurance_might_get_rejected\" title=\"Reasons why your car insurance might get rejected\">Reasons why your car insurance might get rejected<\/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\/why-your-car-insurance-claim-might-get-rejected\/#No_or_delayed_police_report\" title=\"No or delayed police report \">No or delayed police report <\/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\/why-your-car-insurance-claim-might-get-rejected\/#Unnamed_driver\" title=\"Unnamed driver\">Unnamed driver<\/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\/why-your-car-insurance-claim-might-get-rejected\/#Inaccurate_information\" title=\"Inaccurate information\">Inaccurate information<\/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\/why-your-car-insurance-claim-might-get-rejected\/#Driving_under_the_influence_of_alcohol_or_drugs\" title=\"Driving under the influence of alcohol or drugs\">Driving under the influence of alcohol or drugs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/why-your-car-insurance-claim-might-get-rejected\/#Situations_not_covered_by_insurance\" title=\"Situations not covered by insurance\">Situations not covered by insurance<\/a><\/li><\/ul><\/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\/why-your-car-insurance-claim-might-get-rejected\/#Situations_that_your_car_insurance_will_not_cover\" title=\"Situations that your car insurance will not cover\">Situations that your car insurance will not cover<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/why-your-car-insurance-claim-might-get-rejected\/#Injury_or_death\" title=\"Injury or death\">Injury or death<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/why-your-car-insurance-claim-might-get-rejected\/#Total_loss_for_third_party_fire_and_theft_insurance_third_party_insurance\" title=\"Total loss (for third party, fire and theft insurance &amp; third party insurance)\">Total loss (for third party, fire and theft insurance &amp; third party insurance)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/why-your-car-insurance-claim-might-get-rejected\/#Natural_disasters\" title=\"Natural disasters\">Natural disasters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/why-your-car-insurance-claim-might-get-rejected\/#Additional_car_accessories\" title=\"Additional car accessories\">Additional car accessories<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/why-your-car-insurance-claim-might-get-rejected\/#Riots\" title=\"Riots\">Riots<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/why-your-car-insurance-claim-might-get-rejected\/#Review_car_insurance_policy_before_renewal\" title=\"Review car insurance policy before renewal\">Review car insurance policy before renewal<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Reasons_why_your_car_insurance_might_get_rejected\"><\/span>Reasons why your car insurance might get rejected<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"No_or_delayed_police_report\"><\/span>No or delayed police report <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you do not make or delay making a police report, your insurance might reject your claim.<\/p>\n\n\n\n<p>Please immediately go to the nearest police station to lodge a report if you run into an accident. Do not take this matter lightly as you will need to attach a police report to your claim form. <\/p>\n\n\n\n<p>Your insurer may reject your claim if you fail to submit a police report or if the report is made 24 hours after the accident. For an easier claim process, ensure that you lodge a police report as soon as possible. <\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Unnamed_driver\"><\/span>Unnamed driver<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Depending on your insurance policy, your insurance coverage is limited to you as the policyholder and the third party if you are at fault. Imagine that you let someone unnamed in your policy drive your car. You will have to pay a compulsory excess of RM400, if the driver runs into an accident. Worse, there is also a possibility that your insurer might reject your claim.<\/p>\n\n\n\n<p>To avoid a compulsory excess and claim rejection, consider all drivers coverage. This add-on coverage will protect anyone authorised to drive your car.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Inaccurate_information\"><\/span>Inaccurate information<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Providing inaccurate information to your insurer might also cause claim rejection.<\/p>\n\n\n\n<p>When you buy car insurance, you will have to provide personal and vehicle particulars. These include your marital status, employment and vehicle safety features. Some insurers may even require information about the type of your parking garage. This is because an unsecured and open parking garage will expose your car to a higher risk of theft. If you declare that your stolen car is parked in a guarded area when you actually park it in an open and unsecured area, your insurer might reject your claim. <\/p>\n\n\n\n<p>Therefore, please be honest when providing the required information. Failing to provide the correct information may just result in a claim rejection.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Driving_under_the_influence_of_alcohol_or_drugs\"><\/span>Driving under the influence of alcohol or drugs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you run into an accident while driving under the influence of alcohol or drugs, your insurance would reject your claim. In fact, under Section 45A(1) of the Act, those guilty of driving under the influence of alcohol or drugs face a jail term of not more than two years, a fine ranging from RM10,000 to RM30,000 and revocation of driving licence for two years or more.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Situations_not_covered_by_insurance\"><\/span>Situations not covered by insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Note that your car insurance will only cover what is stipulated in your insurance policy. This is why you need to understand each type of car insurance policy and its coverage.<\/p>\n\n\n\n<p>For instance, if your purchase third party insurance, your insurance will only cover the loss or damage to the third party&#8217;s property. On the other hand, if your purchase <a href=\"https:\/\/bjak.my\/blog\/comprehensive-car-insurance\/\">comprehensive insurance<\/a>, your insurance will also cover the damage and loss to you and your car.<\/p>\n\n\n\n<p>Consider that you purchase third party insurance. As luck would have it, you run into an accident where you are at fault. Unfortunately, you cannot make an insurance claim. Hence, you will need to pay for the repair cost out of your own pocket.<\/p>\n\n\n\n<p>There are also other situations your car insurance will not cover which we will explain in the following points. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Situations_that_your_car_insurance_will_not_cover\"><\/span>Situations that your car insurance will not cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Most standard car insurance policies come with exclusions. These are certain losses that your insurance will not cover. Let&#8217;s look at some of the common exclusions of car insurance policies. <\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Injury_or_death\"><\/span>Injury or death<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6465\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/why-your-car-insurance-claim-might-get-rejected\/attachment\/211008_bjakblog_nurul_a7-01-01-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01-1.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"Self injury not covered by insurance company\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01-1.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01-1.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01-1-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Standard car insurance does not cover personal accident\" class=\"wp-image-6465\" title=\"Standard car insurance does not cover personal accident\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01-1.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01-1.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-01-1.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Injury or death due to car accidents will not be covered by your insurer<\/figcaption><\/figure>\n\n\n\n<p>Say that a car accident leaves you permanently disabled, you are not eligible to claim for your disability. This is as most standard motor insurance does not provide personal accident coverage. <\/p>\n\n\n\n<p>However, if a third party causes the accident, you will get compensation from the third party&#8217;s insurance.<\/p>\n\n\n\n<p>For greater protection, consider adding personal accident coverage to your comprehensive insurance.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Total_loss_for_third_party_fire_and_theft_insurance_third_party_insurance\"><\/span>Total loss (for third party, fire and theft insurance &amp; third party insurance)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6466\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/why-your-car-insurance-claim-might-get-rejected\/attachment\/211008_bjakblog_nurul_a7-01-02-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02-1.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"211008_BjakBlog_Nurul_A7-01-02-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02-1.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02-1.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02-1-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"A car is considered a total loss\u00a0when it is damaged beyond repair\" class=\"wp-image-6466\" title=\"A car is considered a total loss\u00a0when it is damaged beyond repair\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02-1.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02-1.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-02-1.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption><meta charset=\"utf-8\">A car is considered a total loss&nbsp;when it is damaged beyond repair<\/figcaption><\/figure>\n\n\n\n<p>As mentioned, third party insurance will only cover the loss or damage to the third party and their property. If you purchase third party, fire and theft insurance, your insurance will also cover your car in the event of fire or theft. Say that you own either insurance, you will not get any compensation if your car is a total loss.<\/p>\n\n\n\n<p>However, if you purchase <a href=\"https:\/\/bjak.my\/blog\/comprehensive-car-insurance\/\">comprehensive coverage<\/a>, your insurer will provide compensation to you based on either the market value or the agreed value of your car. <\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Natural_disasters\"><\/span>Natural disasters<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6467\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/why-your-car-insurance-claim-might-get-rejected\/attachment\/211008_bjakblog_nurul_a7-01-03-1\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03-1.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"211008_BjakBlog_Nurul_A7-01-03-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03-1.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03-1.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03-1-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Standard car insurance does not cover car damage caused by natural disasters \" class=\"wp-image-6467\" title=\"Standard car insurance does not cover car damage caused by natural disasters \" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03-1.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03-1.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-03-1.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Standard car insurance does not cover car damage caused by natural disasters <\/figcaption><\/figure>\n\n\n\n<p>Most standard car insurance including comprehensive insurance does not cover your car for damages caused by natural disasters. These may include floods, typhoons, hurricanes, storms, tempests, volcanic eruptions, earthquakes, landslides and landslips. <\/p>\n\n\n\n<p>Imagine that your car is submerged in floodwater. You will have to bear the repair cost for your damaged car. <\/p>\n\n\n\n<p>Fortunately, you can extend your insurance coverage by getting special perils cover. This will cover the repair cost or compensate you for damages due to any of the natural disasters.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Additional_car_accessories\"><\/span>Additional car accessories<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6468\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/why-your-car-insurance-claim-might-get-rejected\/attachment\/211008_bjakblog_nurul_a7-01-04-1\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04-1.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"211008_BjakBlog_Nurul_A7-01-04-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04-1.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04-1.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04-1-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Standard car insurance does not cover non-standard, additional car accessories\" class=\"wp-image-6468\" title=\"Standard car insurance does not cover non-standard, additional car accessories\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04-1.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04-1.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-04-1.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Cars fitted with additional car accessories <\/figcaption><\/figure>\n\n\n\n<p>Your insurance will also not cover additional and non-standard car accessories. Your insurance only covers the standard, factory-fitted accessories.<\/p>\n\n\n\n<p>To protect your additional car accessories, you may consider adding car accessories cover to your comprehensive insurance policy. <\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Riots\"><\/span>Riots<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"6469\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/why-your-car-insurance-claim-might-get-rejected\/attachment\/211008_bjakblog_nurul_a7-01-05-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05-1.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" 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;0&quot;}\" data-image-title=\"211008_BjakBlog_Nurul_A7-01-05-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05-1.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05-1.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05-1-1024x1024.png?resize=1024%2C1024&#038;ssl=1\" alt=\"Insurers will not cover damages caused by strikes or riots\" class=\"wp-image-6469\" title=\"Insurers will not cover damages caused by strikes or riots\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05-1.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05-1.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Nurul_A7-01-05-1.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption>Insurers will not cover damages caused by strikes or riots<\/figcaption><\/figure>\n\n\n\n<p><meta charset=\"utf-8\">Your insurance policy will also not cover any damage to your car due to strikes or riots. However, you may purchase Strikes, Riot and Civil Commotion (S.R.C.C) add-on coverage. You will get compensation if your car is damaged by any of the situations.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Review_car_insurance_policy_before_renewal\"><\/span>Review car insurance policy before renewal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It is important that you are aware of the reasons and situations that might get your car insurance claim rejected. Before buying car insurance, ensure that you understand your insurance coverage and exclusions. You may also consider car insurance add-ons to get protection for situations that standard insurance does not cover. <\/p>\n\n\n\n<p>If you need professional help before buying car insurance, you can always count on Bjak for unbiased insurance advice from our experts. Visit Bjak for more information or simply WhatsApp our experts for advice, anytime you need it. Start by getting your free <a href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">car insurance quotes<\/a>. <\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><em><em><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!<\/em><\/em><\/em><\/em><\/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-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=why-your-car-insurance-claim-might-get-rejected\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get Free Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/car-insurance-deductible-faqs\/\">FAQs About Car Insurance Deductible<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/tokio-marine-autopro-car-insurance\/\">Tokio Marine Enhanced Coverage With AutoPro<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/renew-car-insurance\/\">Renew Car Insurance With ShopBack PayLater<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Your car insurance claim might get rejected. Find out about the reasons and situations that might cause car insurance claim rejection.<\/p>\n","protected":false},"author":7,"featured_media":6462,"comment_status":"closed","ping_status":"open","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":[429,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Your Car Insurance Claim Might Get Rejected | BJAK<\/title>\n<meta name=\"description\" content=\"Your car insurance claim might get rejected. 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