{"id":21716,"date":"2022-02-04T12:45:19","date_gmt":"2022-02-04T04:45:19","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=21716"},"modified":"2023-06-26T16:12:52","modified_gmt":"2023-06-26T08:12:52","slug":"cara-claim-insurans-pihak-ketiga","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-claim-insurans-pihak-ketiga","title":{"rendered":"Cara Nak Claim Insurans Kereta Orang Lain (Claim Insurans Pihak Ketiga)"},"content":{"rendered":"\n<p>Perlindungan insurans kenderaan membolehkan anda untuk membuat tuntutan insurans sekiranya terlibat dalam kemalangan.<\/p>\n\n\n\n<p>Seperti yang anda sudah tahu, terdapat beberapa jenis tuntutan insurans yang ada iaitu tuntutan Kerosakan Sendiri (<em>Own Damage<\/em>), Tuntutan <em>Knock for Knock<\/em> serta tuntutan Pihak Ketiga.<\/p>\n\n\n\n<p>Anda boleh membuat tuntutan insurans di bawah tuntutan kerosakan sendiri <em>(Own Damage)<\/em> sekiranya kemalangan atau kerosakan pada kenderaan tersebut berpunca daripada anda, dengan syarat polisi yang anda pegang pada waktu itu adalah <a href=\"https:\/\/bjak.my\/blog\/kenapa-anda-perlu-beli-insurans-kereta-1st-party\/\">polisi insurans kereta 1st party<\/a>. Ini bermakna, tuntutan anda itu dibuat atas insurans anda sendiri, namun dan anda akan kehilangan <a href=\"https:\/\/bjak.my\/blog\/ncd-fakta-kadar-ncd-cara-untuk-semak\/\">NCD insurans kereta<\/a> apabila tuntutan ini dibuat.<\/p>\n\n\n\n<p>Dalam pada itu, anda juga boleh membuat tuntutan insurans terhadap syarikat insurans pihak yang melanggar anda (jika kemalangan tersebut disahkan bukan berpunca daripada anda) tidak kira polisi jenis apa yang anda ada. Tuntutan ini dipanggil sebagai tuntutan insurans kereta third party (pihak ketiga).<\/p>\n\n\n\n<p>Justeru, dalam artikel kali ini, Bjak akan terangkan kepada anda mengenai <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-penjelasan-mengenai-polisi-insurans-pihak-ketiga\/\">cara nak claim insurans kereta orang lain<\/a> atau lebih dikenali sebagai tuntutan pihak ketiga sebagai rujukan anda.<\/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-nv-dark-bg-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=cara-claim-insurans-pihak-ketiga\">Renew Insurans Online<\/a><\/div>\n<\/div>\n\n\n\n<p><\/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-69df127675e2d\" 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-69df127675e2d\"><\/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\/insurans-kereta\/cara-claim-insurans-pihak-ketiga\/#Apakah_itu_tuntutan_pihak_ketiga\" title=\"Apakah itu tuntutan pihak ketiga?\">Apakah itu tuntutan pihak ketiga?<\/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\/insurans-kereta\/cara-claim-insurans-pihak-ketiga\/#Apakah_perkara_yang_boleh_dituntut_di_bawah_tuntutan_pihak_ketiga\" title=\"Apakah perkara yang boleh dituntut di bawah tuntutan pihak ketiga?\">Apakah perkara yang boleh dituntut di bawah tuntutan pihak ketiga?<\/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\/insurans-kereta\/cara-claim-insurans-pihak-ketiga\/#Siapakah_yang_boleh_membuat_tuntutan_pihak_ketiga\" title=\"Siapakah yang boleh membuat tuntutan pihak ketiga?\">Siapakah yang boleh membuat tuntutan pihak ketiga?<\/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\/insurans-kereta\/cara-claim-insurans-pihak-ketiga\/#Adakah_anda_akan_kehilangan_NCD_jika_membuat_tuntutan_pihak_ketiga\" title=\"Adakah anda akan kehilangan NCD jika membuat tuntutan pihak ketiga?\">Adakah anda akan kehilangan NCD jika membuat tuntutan pihak ketiga?<\/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\/insurans-kereta\/cara-claim-insurans-pihak-ketiga\/#Cara_nak_claim_insurans_kereta_orang_lain\" title=\"Cara nak claim insurans kereta orang lain\">Cara nak claim insurans kereta orang lain<\/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\/insurans-kereta\/cara-claim-insurans-pihak-ketiga\/#Cara_untuk_elak_kemungkinan_tuntutan_ditolak_apabila_claim_insurans_kereta_orang_lain\" title=\"Cara untuk elak kemungkinan tuntutan ditolak apabila claim insurans kereta orang lain\">Cara untuk elak kemungkinan tuntutan ditolak apabila claim insurans kereta orang lain<\/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\/insurans-kereta\/cara-claim-insurans-pihak-ketiga\/#Fahami_proses_cara_tuntutan_insurans_sebelum_claim_insurans_kereta_orang_lain\" title=\"Fahami proses &amp; cara tuntutan insurans sebelum claim insurans kereta orang lain\">Fahami proses &amp; cara tuntutan insurans sebelum claim insurans kereta orang lain<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"apakah-itu-tuntutan-pihak-ketiga\"><span class=\"ez-toc-section\" id=\"Apakah_itu_tuntutan_pihak_ketiga\"><\/span>Apakah itu tuntutan pihak ketiga?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"21718\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-claim-insurans-pihak-ketiga\/attachment\/photo_2022-02-03_17-56-27\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27.jpg?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=\"photo_2022-02-03_17-56-27\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Anda boleh membuat tuntutan insurans pihak ketiga jika kemalangan bukan berpunca daripada anda\" class=\"wp-image-21718\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Tuntutan insurans pihak ketiga merujuk kepada proses tuntutan terhadap syarikat insurans pihak lain (pihak ketiga) sekiranya kemalangan tersebut bukan berpunca daripada anda.<\/p>\n\n\n\n<h2 id=\"apakah-perkara-yang-boleh-dituntut-di-bawah-tuntutan-pihak-ketiga\"><span class=\"ez-toc-section\" id=\"Apakah_perkara_yang_boleh_dituntut_di_bawah_tuntutan_pihak_ketiga\"><\/span>Apakah perkara yang boleh dituntut di bawah tuntutan pihak ketiga?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>a) Kerosakan pada kereta atau harta anda akibat kemalangan jalan raya yang berpunca daripada pihak lain<\/p>\n\n\n\n<p>b) Kerugian kewangan yang lain seperti <em>Compensation for Assessed Repair Time<\/em> (CART) dan ekses<\/p>\n\n\n\n<p><strong><em>Nota:&nbsp;<\/em><\/strong><\/p>\n\n\n\n<p><em>Pampasan untuk tempoh pembaikan yang dianggarkan (CART) merujuk kepada amaun yang perlu dibayar oleh syarikat insurans\/takaful pihak lain mengikut bilangan hari yang diperlukan bagi membaiki kereta anda seperti yang ditaksirkan oleh adjuster (bukan bilangan hari kereta anda berada di bengkel). Jadi, sila simpan resit asal tambang teksi atau sewa kereta untuk membuat tuntutan CART<\/em>.<\/p>\n\n\n\n<h2 id=\"siapakah-yang-boleh-membuat-tuntutan-pihak-ketiga\"><span class=\"ez-toc-section\" id=\"Siapakah_yang_boleh_membuat_tuntutan_pihak_ketiga\"><\/span>Siapakah yang boleh membuat tuntutan pihak ketiga?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Setiap polisi insurans menyediakan perlindungan insurans untuk kerosakan, kerugian harta benda, kecederaan atau kematian pihak ketiga. Jadi, jika anda adalah mangsa dan disahkan bukan penyebab\/punca kepada kemalangan tersebut, maka anda boleh membuat tuntutan pihak ketiga ini.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"21975\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-claim-insurans-pihak-ketiga\/attachment\/image-4-_3-jenis-insurans-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-4-_3-jenis-insurans.jpg?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=\"Image-4-_3-jenis-insurans\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-4-_3-jenis-insurans.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-4-_3-jenis-insurans.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-4-_3-jenis-insurans.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Setiap polisi insurans menyediakan perlindungan insurans untuk kerosakan, kerugian harta benda, kecederaan atau kematian pihak ketiga\" class=\"wp-image-21975\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-4-_3-jenis-insurans.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-4-_3-jenis-insurans.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-4-_3-jenis-insurans.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-4-_3-jenis-insurans.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/Image-4-_3-jenis-insurans.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2 id=\"adakah-anda-akan-kehilangan-ncd-jika-membuat-tuntutan-pihak-ketiga\"><span class=\"ez-toc-section\" id=\"Adakah_anda_akan_kehilangan_NCD_jika_membuat_tuntutan_pihak_ketiga\"><\/span>Adakah anda akan kehilangan NCD jika membuat tuntutan pihak ketiga?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tidak. NCD anda akan kekal. Sebaliknya, pihak yang melanggar anda pula akan kehilangan diskaun NCD yang dimilikinya selepas anda membuat tuntutan insurans terhadapnya.&nbsp;<\/p>\n\n\n\n<h2 id=\"cara-membuat-tuntutan-pihak-ketiga\"><span class=\"ez-toc-section\" id=\"Cara_nak_claim_insurans_kereta_orang_lain\"><\/span>Cara nak claim insurans kereta orang lain<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"21719\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-claim-insurans-pihak-ketiga\/attachment\/photo_2022-02-03_17-56-27-4\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27-4.jpg?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=\"photo_2022-02-03_17-56-27-4\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27-4.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27-4.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27-4.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Cara nak claim insurans kereta orang lain\" class=\"wp-image-21719\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27-4.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27-4.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27-4.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27-4.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo_2022-02-03_17-56-27-4.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Tanpa berlengah lagi, berikut Bjak kongsikan proses atau cara nak claim insurans kereta orang lain\/ tuntutan pihak ketiga.<\/p>\n\n\n\n<ol><li>Hubungi syarikat takaful\/insurans anda atau Pusat Panggilan Bantuan Kemalangan yang menyediakan khidmat pelanggan 24 jam di talian 15500 jika kereta anda mengalami kerosakan yang teruk dan memerlukan perkhidmatan trak tunda<\/li><li>Kumpulkan bukti dengan<strong> i) catatkan lokasi dan masa kemalangan<\/strong>, dan<strong> ii) ambil gambar kejadian kemalangan <\/strong>serta <strong>kerosakan kenderaan yang terlibat<\/strong><\/li><li>Bertukar maklumat dengan pihak lain yang terlibat seperti<strong> i) nombor lesen memandu, ii) nombor telefon, iii)<\/strong> <strong>model dan nombor pendaftaran kenderaan<\/strong>, dan <strong>iv) syarikat insurans\/takaful<\/strong><\/li><li>Buat laporan polis dalam tempoh 24 jam\u00a0<\/li><li>Maklumkan kepada syarikat insurans\/takaful anda dalam masa 7 hari dari tarikh kemalangan dan kemukakan tuntutan secepat mungkin<\/li><li>Hantar kereta anda ke bengkel panel syarikat insurans\/takaful<\/li><li>Dapatkan <em>adjuster<\/em> untuk menaksir kerosakan kereta anda<\/li><li>Kemukakan kepada syarikat insurans\/takaful pihak lain dokumen berikut:<\/li><\/ol>\n\n\n\n<ul><li>Salinan asal laporan polis<\/li><li>Salinan kad pengenalan dan lesen memandu<\/li><li>Sijil pemilikan kenderaan (salinan)<\/li><li>Laporan <em>adjuster<\/em><\/li><li>Bil kos pembaikan kereta anda<\/li><li>Dokumen polis yang menyatakan pihak yang dikompaun bagi kesalahan jalan raya<\/li><\/ul>\n\n\n\n<ol start=\"9\"><li>Setelah selesai, pihak bengkel akan mengambil alih proses tuntutan insurans anda (pembaikan kereta).<\/li><\/ol>\n\n\n\n<h2 id=\"cara-untuk-elak-kemungkinan-tuntutan-ditolak\"><span class=\"ez-toc-section\" id=\"Cara_untuk_elak_kemungkinan_tuntutan_ditolak_apabila_claim_insurans_kereta_orang_lain\"><\/span>Cara untuk elak kemungkinan tuntutan ditolak apabila claim insurans kereta orang lain<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Maklumkan kemalangan tersebut kepada syarikat insurans\/takaful anda dalam masa 7 hari dari tarikh kemalangan<\/li><li>Pastikan dokumen yang diperlukan lengkap<\/li><li>Pastikan kenderaan persendirian anda tidak digunakan untuk sewaan atau pengangkutan barang bagi tujuan perniagaan<\/li><\/ul>\n\n\n\n<h2 id=\"fahami-proses-tuntutan-insurans-kereta\"><span class=\"ez-toc-section\" id=\"Fahami_proses_cara_tuntutan_insurans_sebelum_claim_insurans_kereta_orang_lain\"><\/span>Fahami proses &amp; cara tuntutan insurans sebelum claim insurans kereta orang lain<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Seperti yang dinyatakan di atas, perlindungan insurans akan membantu anda sekiranya terlibat dalam suatu situasi yang tidak dijangka. Anda dapat membuat tuntutan insurans kereta sekiranya berlaku kejadian yang tidak diingini.&nbsp;<\/p>\n\n\n\n<p>Ketahui dan fahami jenis tuntutan serta cara nak claim insurans kereta orang lain yang betul agar tuntutan anda berjalan dengan lancar memandangkan terdapat juga beberapa sebab atau faktor yang boleh menyebabkan tuntutan anda ditolak. Jadi, fahami sebaiknya polisi insurans anda untuk kesenangan anda terutamanya pada waktu kecemasan.<\/p>\n\n\n\n<p>Dalam pada itu, jika anda ingin memperbaharui perlindungan insurans kereta, anda boleh lakukan secara <em>online<\/em> sahaja di Bjak. Jom semak harga insurans secara percuma dan aktifkan semula insurans dalam hanya 5 minit!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan\u00a0<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=cara-claim-insurans-pihak-ketiga\">sebut\u00a0harga percuma<\/a>\u00a0di Bjak dan pilih pelan terbaik hari ini!<\/p>\n\n\n\n<div class=\"wp-container-2 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=cara-claim-insurans-pihak-ketiga\">Renew Insurans Online<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">Fahami Jenis-jenis Polisi Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/beza-insurans-1st-party-dengan-3rd-party\/\">Jenis Insurans Kereta: Beza Insurans 1st Party dengan 3rd Party<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-dapat-insurans-harga-rendah\/\">Cara Dapat Insurans Harga Rendah<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ingin buat tuntutan insurans terhadap pihak lain? <\/p>\n<p>Baca penjelasan mengenai cara membuat tuntutan kerosakan pihak ketiga dalam artikel ini.<\/p>\n","protected":false},"author":4,"featured_media":36903,"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":[350],"tags":[26,243,977],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cara Nak Claim Insurans Kereta Orang Lain (Claim Insurans Pihak Ketiga)<\/title>\n<meta name=\"description\" content=\"Anda dilanggar dan ingin tahu cara nak claim insurans kereta orang lain? 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