by rejecting the claim, next car onward will have no insurance at all

and don't buy from unreputable insurance company like liberty
people buy from liberty all because it's cheap...that's the only reason

Generally insurance don't repudiate claim due to botak tyre

The only clause they can invoke is not roadworthy condition

Very hard to proof not roadworthy

And to be honest, claims handler don't like to repudiate claim

It takes 10 times more effort to repudiate a claim then approving one

Plus each insurance company has no more then 2 people have the authority to repudiate claim

My point is, the car owner is hiding a lot of information

Each repudiation comes with an extensive email explain the reason of repudiation and proof to substantiate their stand

Is singkie insurance

Never heard insurance company in msia deny claim before

actually can
customer has the right to choose which insurer they want

if being forced to take liberty, that's a red flag already

car dealer won't tie themselves with 1 company, instead has connection with all of them/multiple of them
a car dealer always recommend using 1 is because the commission rate is better