Unforeseen Perils and Why Many Malaysians Face Insurance Woes After Natural Disasters.
“My car got hit by landslide, but I can’t claim from insurance??”
In Malaysia, we’ve been experiencing bad weather that causes natural catastrophes such as flood, landslide and fallen trees. In fact, drivers often fear that such unfortunate events would occur every time bad weather occurs. When we come across photos and videos of flash floods or cars kena hit by fallen trees, we usually just shake our heads and go “habis lah those cars. Don’t know whether can claim insurance or not.”
However, many Malaysians are still unaware of the importance of obtaining insurance protection for their cars against convulsion of nature (which basically means natural disaster or extraordinary natural phenomenon). On one hand, a lot of people assume that their cars are covered with Special Perils coverage when they buy car insurance without the add-on.
On the other hand, there are also those who don’t bother as they thought such cover is a waste of money. Many think that such incidents won’t happen to them because they live in low-risk areas and are always careful where they park their cars. Unfortunately, whether you are parked in a KL shopping mall carpark or enroute to Penang for sun and food, you just can’t predict when a severe storm will hit. I have had friends who were stuck in a standstill when flash floods occurred and damaged their cars. Thankfully, their cars were insured with Special Perils coverage.
It's extremely important to ensure that your car is insured fully for Special Perils to avoid potentially forking out a hefty sum of money to repair your car from your pocket. Moreover, if you are still servicing your car loan, this could be a double whammy to your financials.
In conclusion, floods in Malaysia are not just a seasonal nuisance but a recurring threat that demands proactive risk management. Special Perils insurance serves as a lifeline for drivers, offering much-needed protection against the unpredictable forces of nature. By understanding the importance of this coverage and taking proactive steps to secure it, Malaysians can navigate the floods with confidence, knowing that their vehicles are shielded from harm.
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