{"id":24164,"date":"2022-02-21T17:49:02","date_gmt":"2022-02-21T09:49:02","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=24164"},"modified":"2023-06-26T14:45:39","modified_gmt":"2023-06-26T06:45:39","slug":"cara-claim-insurans-kemalangan-motosikal","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-motosikal\/cara-claim-insurans-kemalangan-motosikal","title":{"rendered":"Cara Claim Insuran Kemalangan Motosikal Dengan Kereta"},"content":{"rendered":"\n<p>Di Malaysia, statistik mendedahkan bahawa lebih 60% kemalangan yang berlaku di jalan raya adalah melibatkan penunggang motosikal sepanjang tempoh 20 tahun. Bahkan Institut Penyelidikan Keselamatan Jalan Raya Malaysia (MIROS) memetik laporan Utusan pada tahun lalu memaklumkan bahawa secara purata 20% daripada 500,000 kemalangan yang dilaporkan setiap tahun adalah melibatkan kemalangan motosikal.\u00a0<\/p>\n\n\n\n<p>Menurut laporan itu, mangsa kemalangan motosikal adalah melibatkan penunggang yang berusia dalam lingkungan 16 hingga 30 tahun dan kejadian biasanya berlaku di jalan-jalan utama.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p>\u201c66% di bahagian jalan yang lurus, 27.5% pelanggaran di sudut atau tepi jalan, 28% melibatkan kereta dan 25% melibatkan satu kenderaan.\u201d<\/p><cite><em>Pengarah Pusat Penyelidikan Perubatan Tingkah Laku Pengguna Jalan Raya MIROS, Azhar Hamzah.<\/em><\/cite><\/blockquote>\n\n\n\n<p>Biasanya, kebanyakan kemalangan motosikal seringkali membabitkan kenderaan pacuan empat roda, seperti kereta.<\/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-motosikal\">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-69dfbe74aa1de\" 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-69dfbe74aa1de\"><\/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-motosikal\/cara-claim-insurans-kemalangan-motosikal\/#Pentingnya_perlindungan_insurans_motosikal\" title=\"Pentingnya perlindungan insurans motosikal\">Pentingnya perlindungan insurans motosikal<\/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-motosikal\/cara-claim-insurans-kemalangan-motosikal\/#Cara_claim_insuran_kemalangan_motosikal_dengan_kereta_%E2%80%93_Membuat_tuntutan_terhadap_syarikat_insurans\" title=\"Cara claim insuran kemalangan motosikal dengan kereta &#8211; Membuat tuntutan terhadap syarikat insurans\">Cara claim insuran kemalangan motosikal dengan kereta &#8211; Membuat tuntutan terhadap syarikat insurans<\/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-motosikal\/cara-claim-insurans-kemalangan-motosikal\/#Cara_claim_insuran_kemalangan_motosikal_dengan_kereta\" title=\"Cara claim insuran kemalangan motosikal dengan kereta\">Cara claim insuran kemalangan motosikal dengan kereta<\/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-motosikal\/cara-claim-insurans-kemalangan-motosikal\/#Pastikan_insurans_anda_sentiasa_aktif_dan_sah\" title=\"Pastikan insurans anda sentiasa aktif dan sah\">Pastikan insurans anda sentiasa aktif dan sah<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"pentingnya-perlindungan-insurans-motosikal\"><span class=\"ez-toc-section\" id=\"Pentingnya_perlindungan_insurans_motosikal\"><\/span>Pentingnya perlindungan insurans motosikal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Umum pasti sudah mengetahui bahawa insurans diwajibkan sebaik sahaja anda memiliki kenderaan tidak kiralah sama ada ia pacuan empat roda mahupun dua roda seperti motosikal.&nbsp;<\/p>\n\n\n\n<p>Melihat kepada peratusan kadar kemalangan membabitkan penunggang motosikal, maka lebih jelaslah bahawa perlindungan insurans motosikal sememangnya amat penting. Ia tidak lain dan tidak bukan adalah bagi melindungi pemilik motosikal tatkala berlaku sesuatu kelak.&nbsp;<\/p>\n\n\n\n<p>Tiada bezanya dengan <a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">insurans kereta<\/a>, insurans motosikal turut berfungsi dan memainkan peranan bagi melindungi pemegang polisi\/ pemilik motosikal terhadap:<\/p>\n\n\n\n<p>i) liabiliti daripada pihak ketiga apabila berlaku kecederaan, kematian, kerosakan harta benda yang disebabkan oleh anda (bagi pemegang semua jenis polisi)<\/p>\n\n\n\n<p>ii) kerosakan motosikal akibat kecurian, kebakaran tidak disengajakan serta kerosakan akibat kejadian yang berpunca daripada anda (bagi pemegang polisi komprehensif)<\/p>\n\n\n\n<p>iii) kerosakan motosikal akibat kebakaran &amp; kecurian (polisi insurans kebakaran dan kecurian (TPFT)).<\/p>\n\n\n\n<p>Untuk memahami bentuk perlindungan yang disediakan ketiga-tiga jenis polisi insurans yang ada di pasaran, lihat rajah di bawah:<\/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=\"Jenis-jenis polisi insurans yang ada di pasaran\"\/><\/figure>\n\n\n\n<p>Jika sebelum ini Bjak sudah menerangkan kepada anda pelbagai info mengenai insurans motosikal yang anda kena tahu, kali ini, Bjak akan jelaskan pula kepada anda mengenai cara-cara untuk <em>claim<\/em> insurans motosikal sekiranya terlibat dalam kemalangan.&nbsp;<\/p>\n\n\n\n<h2 id=\"membuat-tuntutan-terhadap-syarikat-insurans\"><span class=\"ez-toc-section\" id=\"Cara_claim_insuran_kemalangan_motosikal_dengan_kereta_%E2%80%93_Membuat_tuntutan_terhadap_syarikat_insurans\"><\/span>Cara claim insuran kemalangan motosikal dengan kereta &#8211; Membuat tuntutan terhadap syarikat insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Apabila anda terlibat dalam kemalangan motosikal, anda boleh membuat tuntutan kerosakan sendiri (<em>Own Damage Claim)<\/em> atau tuntutan pihak ketiga:<\/p>\n\n\n\n<ol><li><strong>Tuntutan kerosakan sendiri<\/strong><\/li><\/ol>\n\n\n\n<p>Tuntutan ini merujuk kepada tuntutan yang dibuat terhadap polisi anda sendiri. Untuk membuat tuntutan ini, syarat paling utamanya adalah anda perlu memiliki perlindungan insurans komprehensif.&nbsp;<\/p>\n\n\n\n<p>Tuntutan ini dibuat sekiranya <strong>kemalangan tersebut berpunca daripada anda<\/strong> dan ingin membaiki kerosakan pada motosikal sendiri, atau <strong>anda terlibat dalam kemalangan motosikal sendirian<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Satu perkara yang anda perlu tahu adalah sebaik sahaja tuntutan kerosakan sendiri dibuat, anda akan kehilangan kelayakan NCD.&nbsp;<\/p>\n\n\n\n<p><strong>2. Tuntutan pihak ketiga (jika dilanggar kenderaan lain seperti kereta)<\/strong><\/p>\n\n\n\n<p>Sebagai penunggang motosikal, anda sememangnya terdedah dengan risiko dilanggar oleh kenderaan lain. Sekiranya ia berlaku, anda boleh membuat tuntutan insurans pihak ketiga jika anda disahkan bukan di pihak yang bersalah ke atas kemalangan tersebut. Dengan membuat tuntutan pihak ketiga, anda juga dapat mengekalkan kelayakan NCD anda.\u00a0<\/p>\n\n\n\n<h2 id=\"cara-claim-insurans-kemalangan-motosikal\"><span class=\"ez-toc-section\" id=\"Cara_claim_insuran_kemalangan_motosikal_dengan_kereta\"><\/span>Cara claim insuran kemalangan motosikal dengan kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"24165\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/cara-claim-insurans-kemalangan-motosikal\/attachment\/220221_a19-01-02\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/220221_A19-01-02.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=\"220221_A19-01-02\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/220221_A19-01-02.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/220221_A19-01-02.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\/220221_A19-01-02.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Tuntutan insurans boleh dibuat untuk pemegang polisi komprehensif dan TPFT sahaja\" class=\"wp-image-24165\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/220221_A19-01-02.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/220221_A19-01-02.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/220221_A19-01-02.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/220221_A19-01-02.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/220221_A19-01-02.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Perlindungan insurans yang anda beli dan<em> renew<\/em> pada setiap tahun membolehkan anda untuk membuat tuntutan insurans sekiranya berlaku sesuatu di atas jalan raya (jika layak dan menepati syarat).<\/p>\n\n\n\n<p>Justeru, di bawah ini merupakan panduan cara-cara untuk claim insuran motosikal jika terlibat dalam kemalangan dengan kereta: <\/p>\n\n\n\n<ol><li><strong>Catat dengan jelas mengenai insiden kemalangan<\/strong><\/li><\/ol>\n\n\n\n<p>Sebaik sahaja anda terlibat dalam kemalangan, pastikan anda mengawal perasaan anda dan tidak menjadi terlalu panik. Bertenang dan catit dengan jelas mengenai insiden kemalangan yang sedang berlaku pada ketika itu. Antara maklumat penting yang anda perlu catitkan adalah lokasi kejadian, nombor plat kenderaan yang terlibat, nama pemandu yang terlibat dan nombor telefon pihak terlibat bagi memudahkan anda berurusan mengenai kemalangan tersebut. Selain itu, jika boleh catitkan juga jenis atau jenama kenderaan yang terlibat itu.<\/p>\n\n\n\n<p><strong>2. Ambil gambar kemalangan<\/strong><\/p>\n\n\n\n<p>Seterusnya, sila pastikan anda mengambil gambar insiden kemalangan tersebut berserta kenderaan lain yang terlibat. Langkah ini adalah penting kerana gambar tersebut boleh dijadikan sebagai bahan bukti sekiranya berlaku sebarang masalah ketika proses penyiasatan kemalangan.&nbsp;<\/p>\n\n\n\n<p><strong>3. Dapatkan maklumat berkaitan saksi kemalangan<\/strong><\/p>\n\n\n\n<p>Anda bernasib baik jika terdapat saksi yang melihat kemalangan berlaku membabitkan anda. Jika boleh, dapatkan juga maklumat saksi seperti nama dan nombor telefon mereka. Ini kerana, maklumat ini akan berguna andai kata berlakunya sebarang masalah ketika proses penyiasatan dilakukan.\u00a0<\/p>\n\n\n\n<p><strong>4. Buat laporan di balai polis<\/strong><\/p>\n\n\n\n<p>Jangan berlengah. Selepas selesai mengambil maklumat-maklumat penting, pastikan anda segera membuat laporan polis dalam tempoh 24 jam selepas kemalangan berlaku. Pastikan tiada sebarang maklumat tertinggal dan anda memberikan laporan yang betul dan tepat sahaja bagi mengelakkan sebarang masalah pada masa akan datang.<\/p>\n\n\n\n<p><strong>5. Hubungi syarikat insurans<\/strong><\/p>\n\n\n\n<p>Selesai membuat laporan polis, sila pastikan anda menghubungi syarikat insurans anda bagi melaporkan mengenai kejadian kemalangan yang berlaku. Ini bagi mengelakkan anda daripada menanggung sebarang kerugian termasuklah daripada tuntutan pihak ketiga.&nbsp;<\/p>\n\n\n\n<p>Anda juga perlu membuat laporan secara bertulis kepada syarikat insurans dan sertakan dokumen-dokumen seperti salinan asal laporan polis, polisi insurans, salinan kad pengenalan dan salinan lesen memandu.<\/p>\n\n\n\n<p><strong>6. Hantar motosikal ke bengkel panel insurans<\/strong><\/p>\n\n\n\n<p>Bagi memastikan tuntutan boleh dilakukan, sila pastikan motosikal anda dihantar ke bengkel panel syarikat insurans anda bagi membaiki kerosakan. Jika motosikal dihantar ke bengkel selain bengkel panel, maka anda mungkin terpaksa menanggung kos kerosakan menggunakan wang sendiri meskipun ketika kemalangan, anda bukan di pihak yang bersalah.<\/p>\n\n\n\n<h2 id=\"pastikan-insurans-anda-sentiasa-aktif-dan-sah\"><span class=\"ez-toc-section\" id=\"Pastikan_insurans_anda_sentiasa_aktif_dan_sah\"><\/span>Pastikan insurans anda sentiasa aktif dan sah<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebagai pemilik motosikal, pastikan anda sentiasa memiliki perlindungan insurans dan cukai jalan yang sah. Ingat, penunggang motosikal merupakan kumpulan yang sangat terdedah kepada risiko kemalangan seperti statistik yang dikongsikan di atas.<\/p>\n\n\n\n<p>Dengan perlindungan insurans, anda boleh membuat tuntutan insurans sekiranya berlaku kemalangan membabitkan anda ketika menunggang motosikal di atas jalan raya.<\/p>\n\n\n\n<p>Jika insurans dan cukai jalan motosikal anda sudah hampir tamat tempoh, sila perbaharui dengan segera. Kini, anda juga boleh perbaharuinya secara online di Bjak. Lebih 10 pelan insurans terbaik disediakan untuk anda pilih. Semak harga insurans secara percuma di Bjak dan aktifkan semula insurans anda 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 <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=cara-claim-insurans-kemalangan-motosikal\">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-motosikal\">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\/kemalangan-kereta-dengan-motosikal-adakah-pemandu-kereta-terus-dikira-salah\/\">Kemalangan Motosikal Dengan Kereta: Adakah Pemandu Kereta Terus Dikira Bersalah?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/senarai-talian-hotline-syarikat-insurans-di-malaysia\/\">Senarai Talian&nbsp;<em>Hotline<\/em>&nbsp;Syarikat Insurans di Malaysia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/senarai-panel-workshop-insurans-di-malaysia\/\">Senarai Panel&nbsp;<em>Workshop<\/em>&nbsp;Insurans di Malaysia<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Tahu cara untuk membuat tuntutan insurans bagi kemalangan motosikal serta kelayakan yang membolehkan tuntutan dibuat.<\/p>\n","protected":false},"author":4,"featured_media":24166,"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":[641],"tags":[26,633],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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