Getting into a car accident is stressful, especially if it’s your first time. On top of dealing with the aftermath, there’s also the question: “What type of car insurance accident claim should I file?”
Whether it’s a minor fender bender or a major collision, knowing your rights and claim options is key to handling the situation calmly and correctly.
In this beginner-friendly guide, we’ll walk you through the types of car accident insurance claims in Malaysia, what each one covers, and how to take the next step. Let’s simplify car insurance — one claim at a time.
Why Knowing Your Claim Type Matters
Filing the wrong claim could lead to delays, rejection, or losing your No Claim Discount (NCD). Each type of car accident insurance claim applies to different scenarios, and understanding them early can save you time, money, and stress.
1. Own Damage (OD) Claim
What it is:
An Own Damage claim is when you claim from your own comprehensive insurance policy to cover damage to your own car — regardless of who’s at fault.
When to use it:
- You’re at fault for the accident.
- It’s a single-vehicle accident (e.g., you hit a tree or divider).
- You cannot identify the other party (e.g., a hit-and-run).
Important Notes:
- This type of claim will affect your NCD.
Only available if you have a comprehensive car insurance policy.
2. Third Party Property Damage (TPPD) Claim
What it is:
This is when someone else hits your vehicle, and you claim against their insurance for the damage to your car.
When to use it:
- You’re not at fault.
- You have the details of the other driver (e.g., name, IC, insurance policy, and vehicle registration).
- You want to preserve your NCD.
Important Notes:
- The other party must admit fault or be found at fault.
You can engage your insurer under the Third Party Claim process to recover your losses.
3. Own Damage – Knock-for-Knock (OD-KFK) Claim
What it is:
This is a convenient way to claim from your own insurer when the accident is not your fault, but still preserve your NCD.
When to use it:
- You are not at fault.
- You have a comprehensive policy.
- You have the other party’s vehicle number and insurance details.
Benefits:
- Faster claim processing.
- You don’t have to chase the other party’s insurer.
Your NCD remains unaffected.
4. Third Party Bodily Injury Claim
What it is:
This type of claim covers injuries or death to other people (not you) caused by your vehicle.
When to use it:
- You’ve caused injury to another person.
- You have a third-party or comprehensive insurance policy.
Important Notes:
- The affected party (or their family) will claim against your policy.
- It includes passengers, pedestrians, or other drivers.
For help, explore our Car Insurance Help Centre.
5. No-Fault Own Damage Claim (NFOC)
What it is:
Introduced by PIAM, this allows you to claim from your own insurance without losing your NCD if you’re clearly not at fault.
When to use it:
- The other party is 100% at fault.
- You can identify the other driver and their insurer.
- Your vehicle has a comprehensive policy.
Important Notes:
- Supporting documents (e.g., police report, photos) are essential.
- Still relatively new — check if your insurer accepts NFOC claims.
- Learn more about the process in our Car Insurance Claim After Accident Guide.
6. Windscreen Insurance Claim
What it is:
This is a special add-on coverage that lets you replace your windscreen without affecting your NCD.
When to use it:
- Your windscreen is cracked or shattered.
- You have purchased windscreen add-on coverage.
Benefits:
- Quick processing.
- No loss of NCD.
- Usually done at panel workshops.
7. Special Perils Claim (Natural Disasters)
What it is:
This covers damages caused by natural disasters, like floods, landslides, fallen trees, or storms.
When to use it:
- Your car is damaged due to a flood or act of God.
- You’ve purchased the Special Perils add-on.
Important Notes:
- Not automatically included — must be added to your policy.
- Especially important during Malaysia’s monsoon season.
- If damage is extensive, it may fall under a total loss insurance claim.
What You Need to File a Claim
Regardless of the type of claim, you will typically need:
- Police report (filed within 24 hours)
- Photos of the accident and damage
- Copy of insurance policy
- Driving license and IC
- Repair cost estimate
- Other driver’s details (if applicable)
Make sure you contact us as soon as possible to avoid claim rejection due to delay.
When in Doubt, Speak to a Professional
Car insurance claims can get tricky, especially when you’re unsure who’s at fault or whether your NCD will be affected.
That’s where the team at Autore comes in. We specialise in helping drivers through every step of the car insurance accident claim process — from paperwork to payout.
Conclusion
Understanding the types of car accident insurance claims in Malaysia can save you from unnecessary stress and financial loss. Whether you’re a first-time driver or just need a refresher, always check your policy coverage, add-on options, and consult your insurer when needed.
Ready to get help with your insurance claim?
Visit Autore.my or browse our Car Insurance Help Centre to get started.
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