{"id":23714,"date":"2022-02-17T14:43:27","date_gmt":"2022-02-17T06:43:27","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=23714"},"modified":"2023-06-26T15:00:47","modified_gmt":"2023-06-26T07:00:47","slug":"cara-claim-insurans-kemalangan-sendiri-tuntutan-own-damage","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-claim-insurans-kemalangan-sendiri-tuntutan-own-damage","title":{"rendered":"Cara Claim Insuran Kereta Kemalangan Sendiri (Tuntutan Own Damage)\u00a0"},"content":{"rendered":"\n<p>Ketika memandu di atas jalan raya, setiap pemandu berdepan dengan pelbagai risiko terutamanya kemalangan. Malang tidak berbau, mungkin juga anda secara tiba-tiba boleh terlibat dalam kemalangan dengan pihak lain, dan lebih malang,<strong> kemalangan itu berpunca daripada diri anda sendiri<\/strong>. Apabila keadaan itu berlaku, apakah yang perlu anda lakukan? Adakah anda boleh membuat tuntutan <a href=\"https:\/\/bjak.my\/blog\/5-perkara-perlu-tahu-sebelum-membuat-tuntutan-insurans-kereta\/\">insurans kereta<\/a>? Jika ya, bagaimanakah pula cara <a href=\"https:\/\/bjak.my\/blog\/claim-insurans-kereta-kemalangan-dari-diri-sendiri\/\">claim insuran kereta kemalangan sendiri<\/a> yang perlu anda buat? <\/p>\n\n\n\n<p>Untuk mengetahui dengan lebih lanjut, sila teruskan membaca artikel ini.\u00a0<\/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-kemalangan-sendiri-tuntutan-own-damage\">Renew Insurans Terbaik<\/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-69df121b417de\" 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-69df121b417de\"><\/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-kemalangan-sendiri-tuntutan-own-damage\/#Adakah_anda_layak_membuat_tuntutan_insurans_jika_anda_di_pihak_yang_salah\" title=\"Adakah anda layak membuat tuntutan insurans jika anda di pihak yang salah?\">Adakah anda layak membuat tuntutan insurans jika anda di pihak yang salah?<\/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-kemalangan-sendiri-tuntutan-own-damage\/#Di_bawah_tuntutan_apakah_ia_boleh_dilakukan\" title=\"Di bawah tuntutan apakah ia boleh dilakukan?\">Di bawah tuntutan apakah ia boleh dilakukan?<\/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-kemalangan-sendiri-tuntutan-own-damage\/#Bagaimanakah_cara_claim_insuran_kereta_kemalangan_sendiri\" title=\"Bagaimanakah cara claim insuran kereta kemalangan sendiri?\">Bagaimanakah cara claim insuran kereta kemalangan sendiri?<\/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-kemalangan-sendiri-tuntutan-own-damage\/#Bagaimanakah_pula_dengan_pihak_yang_dilanggar_oleh_anda_Pada_siapakah_tuntutan_perlu_dibuat\" title=\"Bagaimanakah pula dengan pihak yang dilanggar oleh anda? Pada siapakah tuntutan perlu dibuat?\">Bagaimanakah pula dengan pihak yang dilanggar oleh anda? Pada siapakah tuntutan perlu dibuat?<\/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-kemalangan-sendiri-tuntutan-own-damage\/#Apakah_situasi-situasi_lain_yang_membolehkan_anda_untuk_membuat_tuntutan_di_bawah_tuntutan_kerosakan_sendiri\" title=\"Apakah situasi-situasi lain yang membolehkan anda untuk membuat tuntutan di bawah tuntutan kerosakan sendiri?\">Apakah situasi-situasi lain yang membolehkan anda untuk membuat tuntutan di bawah tuntutan kerosakan sendiri?<\/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-kemalangan-sendiri-tuntutan-own-damage\/#Beri_perlindungan_terbaik\" title=\"Beri perlindungan terbaik\">Beri perlindungan terbaik<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"adakah-anda-layak-membuat-tuntutan-insurans-jika-anda-di-pihak-yang-salah\"><span class=\"ez-toc-section\" id=\"Adakah_anda_layak_membuat_tuntutan_insurans_jika_anda_di_pihak_yang_salah\"><\/span>Adakah anda layak membuat tuntutan insurans jika anda di pihak yang salah?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"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\" alt=\"Tuntutan insurans kemalangan yang disebabkan oleh diri sendiri hanya boleh dibuat jika anda pemegang polisi komprehensif\"\/><\/figure>\n\n\n\n<p>Sebagai pemilik kenderaan, penting untuk anda mengetahui jenis polisi insurans yang diambil oleh anda pada setiap tahun.&nbsp;<\/p>\n\n\n\n<p>Seperti yang anda mungkin sudah tahu, terdapat tiga jenis <a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">polisi insurans kereta<\/a> yang ada di pasaran dan setiap daripadanya menyediakan perlindungan yang berbeza.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4-_3-jenis-insurans.jpg?resize=768%2C768&amp;ssl=1\" alt=\"Perlindungan yang diberikan oleh tiga jenis polisi yang ada di pasaran\"\/><\/figure>\n\n\n\n<p>Jika anda penyebab kepada kemalangan dan ingin membaiki kerosakan yang teruk pada kenderaan anda, anda layak untuk membuat tuntutan insurans asalkan:<\/p>\n\n\n\n<ol><li>Polisi insurans anda masih sah\/aktif<\/li><li>Anda memiliki perlindungan insurans komprehensif<\/li><\/ol>\n\n\n\n<p>Untuk makluman anda,<strong> hanya perlindungan insurans komprehensif yang membolehkan anda untuk membuat tuntutan insurans bagi membaiki kerosakan pada kenderaan sendiri akibat kemalangan yang berpunca daripada diri sendiri<\/strong>.<\/p>\n\n\n\n<p>Tanpa perlindungan komprehensif, anda tidak boleh membuat tuntutan insurans dan kerosakan tersebut perlu menggunakan wang anda sendiri.<\/p>\n\n\n\n<h2 id=\"di-bawah-tuntutan-apakah-ia-boleh-dilakukan\"><span class=\"ez-toc-section\" id=\"Di_bawah_tuntutan_apakah_ia_boleh_dilakukan\"><\/span>Di bawah tuntutan apakah ia boleh dilakukan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk situasi atau kejadian seperti ini, bagi pihak anda sendiri, anda boleh membuat tuntutan insurans di bawah tuntutan kerosakan sendiri (Own Damage Claim).<\/p>\n\n\n\n<p>Namun, seperti yang dinyatakan di atas tadi, tuntutan jenis ini hanya boleh dibuat sekiranya anda memiliki polisi insurans komprehensif. Setelah tuntutan ini dibuat, anda akan kehilangan Diskaun Tanpa Tuntutan atau No Claim Discount (NCD) yang akan kembali kepada kadar 0% ketika pembaharuan insurans pada tahun berikutnya.<\/p>\n\n\n\n<h2 id=\"bagaimanakah-cara-membuat-tuntutan-insurans-di-bawah-tuntutan-kerosakan-sendiri\"><span class=\"ez-toc-section\" id=\"Bagaimanakah_cara_claim_insuran_kereta_kemalangan_sendiri\"><\/span>Bagaimanakah cara claim insuran kereta kemalangan sendiri?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/01\/220126_A12-01-02.jpg?resize=768%2C768&amp;ssl=1\" alt=\"Cara claim insurans kereta kemalangan sendiri\"\/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Berikut merupakan cara claim insuran kereta kemalangan sendiri bagi membaiki kerosakan pada kereta anda:<\/p>\n\n\n\n<ol><li>Buat penilaian segera kerosakan pada kenderaan anda. Hubungi syarikat insurans jika kereta anda mengalami kerosakan yang teruk dan memerlukan perkhidmatan tunda.<\/li><li>Ambil gambar kenderaan termasuk kenderaan yang terbabit dalam kemalangan tersebut.<\/li><li>Saling tukar maklumat peribadi dengan pihak yang turut terlibat dengan mengambil nombor telefon, nama penuh, dan nombor kad pengenalan dengan cara yang baik.<\/li><li>Segera bawa kereta anda ke balai polis dan buat laporan dalam tempoh 24 jam.<\/li><li>Bawa kereta anda ke bengkel panel insurans untuk membolehkan kerosakan dibaiki di bawah tuntutan insurans<\/li><li>Sedia dan serahkan dokumen untuk proses tuntutan. Dokumen-dokumen yang diperlukan termasuklah salinan asal laporan polis, polisi insurans, salinan kad pengenalan dan salinan lesen memandu.<\/li><li>Setelah selesai, pihak bengkel akan ambil alih proses tuntutan insurans anda untuk pembaikan kereta.<\/li><\/ol>\n\n\n\n<h2 id=\"bagaimanakah-pula-dengan-pihak-yang-dilanggar-oleh-anda-pada-siapakah-tuntutan-perlu-dibuat\"><span class=\"ez-toc-section\" id=\"Bagaimanakah_pula_dengan_pihak_yang_dilanggar_oleh_anda_Pada_siapakah_tuntutan_perlu_dibuat\"><\/span>Bagaimanakah pula dengan pihak yang dilanggar oleh anda? Pada siapakah tuntutan perlu dibuat?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ketiga-tiga jenis polisi insurans menyediakan perlindungan untuk pihak ketiga (iaitu pihak yang dilanggar). Tidak kiralah sama ada anda mempunyai perlindungan komprehensif (perlindungan paling menyeluruh) mahupun perlindungan pihak ketiga sahaja (perlindungan paling asas), pihak yang dilanggar oleh anda itu boleh dan akan membuat tuntutan insurans di bawah polisi anda.<\/p>\n\n\n\n<p>Pihak berkenaan tidak perlu membuat tuntutan di bawah polisi insuransnya sendiri kerana kemalangan tersebut bukan salahnya. Setelah pihak berkenaan membuat tuntutan insurans di bawah polisi anda, NCD anda akan terjejas dan akan kembali kepada kadar 0%.<\/p>\n\n\n\n<h2 id=\"apakah-situasi-situasi-lain-yang-membolehkan-anda-untuk-membuat-tuntutan-di-bawah-tuntutan-kerosakan-sendiri\"><span class=\"ez-toc-section\" id=\"Apakah_situasi-situasi_lain_yang_membolehkan_anda_untuk_membuat_tuntutan_di_bawah_tuntutan_kerosakan_sendiri\"><\/span>Apakah situasi-situasi lain yang membolehkan anda untuk membuat tuntutan di bawah tuntutan kerosakan sendiri?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berikut merupakan antara situasi lain yang membolehkan anda untuk membuat<strong> tuntutan insurans di bawah tuntutan kerosakan sendiri.<\/strong><\/p>\n\n\n\n<ol><li>Kereta anda rosak akibat terlanggar tiang lampu isyarat. Anda boleh buat tuntutan insurans namun NCD akan terjejas.<\/li><li>Kereta anda terlanggar haiwan ketika sedang memandu. Anda boleh tuntut insurans di bawah tuntutan ini, namun anda akan kehilangan NCD.<\/li><li>Cermin kereta anda rosak. Anda boleh buat tuntutan di bawah kerosakan sendiri meskipun tidak mempunyai perlindungan tambahan windscreen. Walaubagaimanapun, kadar NCD anda akan kembali kepada sifar.<\/li><li>Cermin kereta anda rosak. Anda boleh buat tuntutan tanpa memberi kesan kepada NCD anda dengan syarat anda mempunyai perlindungan tambahan <em>windscreen<\/em> dalam polisi anda.<\/li><\/ol>\n\n\n\n<p><em>Namun, diingatkan lagi sekali, tuntutan kerosakan sendiri hanya boleh dibuat jika anda merupakan PEMEGANG POLISI KOMPREHENSIF ya.<\/em><\/p>\n\n\n\n<h2 id=\"beri-perlindungan-terbaik\"><span class=\"ez-toc-section\" id=\"Beri_perlindungan_terbaik\"><\/span>Beri perlindungan terbaik<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Perlindungan insurans komprehensif akan membantu dan membolehkan anda untuk membuat tuntutan insurans jika berlaku kerosakan pada kenderaan sendiri akibat pelbagai kejadian atau situasi. Disebabkan itu, amat penting untuk anda mendapatkan perlindungan insurans yang terbaik agar lebih dilindungi.<\/p>\n\n\n\n<p>Dalam pada itu, sila pastikan anda fahami cara membuat tuntutan insurans 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>Jika insurans anda hampir tamat tempoh, perbaharui segera untuk memastikan kenderaan anda dilindungi. Untuk mendapatkan pelan komprehensif terbaik, anda boleh lakukan secara <em>online<\/em> di Bjak. 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-kemalangan-sendiri-tuntutan-own-damage\">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-kemalangan-sendiri-tuntutan-own-damage\">Renew Insurans Terbaik<\/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\/bila-anda-boleh-tidak-boleh-buat-tuntutan-kerosakan-sendiri\/\">Bila Anda Boleh &amp; Tidak Boleh Buat Tuntutan Kerosakan Sendiri?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/qa-mengenai-tuntutan-insurans-kereta\/\">Soalan Lazim Mengenai Tuntutan Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/tuntutan-insurans-kereta-akibat-kemalangan\/\">Nak Claim Insurans? Ketahui Dulu Jenis-Jenis Tuntutan Insurans &amp; Caranya<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Adakah setiap pemilik kenderaan layak membuat tuntutan bagi membaiki kerosakan kereta akibat kecuaian sendiri? Ketahuinya menerusi artikel ini.<\/p>\n","protected":false},"author":4,"featured_media":23727,"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 Claim Insuran Kereta Kemalangan Sendiri (Tuntutan Own Damage)\u00a0<\/title>\n<meta name=\"description\" content=\"Terbabit kemalangan jalan raya? Ini cara claim insuran kereta kemalangan sendiri yang boleh anda ikuti. 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