{"id":27622,"date":"2022-03-24T11:52:56","date_gmt":"2022-03-24T03:52:56","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=27622"},"modified":"2023-04-19T15:47:00","modified_gmt":"2023-04-19T07:47:00","slug":"tuntutan-insurans-ditolak-apakah-tindakan-yang-anda-kena-lakukan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-ditolak-apakah-tindakan-yang-anda-kena-lakukan","title":{"rendered":"Tuntutan Insurans Ditolak? Apa yang Anda Kena Lakukan?"},"content":{"rendered":"\n<p>Kemalangan jalan raya kadangkala tidak dapat dielakkan, walaupun anda telah berhati-hati dan memandu mengikut langkah keselamatan yang diperlukan. Mujurlah, anda mempunyai insurans kenderaan yang boleh membantu melindungi kerosakan pada kenderaan anda.<\/p>\n\n\n\n<p>Namun, bagaimana jika tuntutan insurans anda ditolak?<\/p>\n\n\n\n<p>Ya, syarikat insurans anda boleh menafikan atau menolak tuntutan insurans anda.<\/p>\n\n\n\n<p>Anda tidak perlu panik. Tuntutan yang ditolak tidak semestinya menjadi penamat pada kes anda. Jadi, apakah yang boleh anda lakukan dalam keadaan sebegini? Ketahui dengan lebih lanjut mengenai perkara yang boleh anda lakukan apabila tuntutan anda ditolak oleh pihak insurans menerusi perkongsian dalam artikel ini.<\/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-69d8cdb25afbf\" 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-69d8cdb25afbf\"><\/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\/tuntutan-insurans-ditolak-apakah-tindakan-yang-anda-kena-lakukan\/#Apakah_itu_penafian_atau_penolakan_tuntutan_insurans\" title=\"Apakah itu penafian atau penolakan tuntutan insurans?\">Apakah itu penafian atau penolakan tuntutan insurans?<\/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\/tuntutan-insurans-ditolak-apakah-tindakan-yang-anda-kena-lakukan\/#Mengapa_tuntutan_insurans_anda_ditolak\" title=\"Mengapa tuntutan insurans anda ditolak?\">Mengapa tuntutan insurans anda ditolak?<\/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\/tuntutan-insurans-ditolak-apakah-tindakan-yang-anda-kena-lakukan\/#Apa_yang_boleh_anda_lakukan_apabila_tuntutan_insurans_anda_ditolak\" title=\"Apa yang boleh anda lakukan apabila tuntutan insurans anda ditolak?\">Apa yang boleh anda lakukan apabila tuntutan insurans anda ditolak?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-ditolak-apakah-tindakan-yang-anda-kena-lakukan\/#Berbincang_dengan_ejen_insurans_anda\" title=\"Berbincang dengan ejen insurans anda\">Berbincang dengan ejen insurans anda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-ditolak-apakah-tindakan-yang-anda-kena-lakukan\/#Dapatkan_penjelasan_daripada_bahagian_tuntutan\" title=\"Dapatkan penjelasan daripada bahagian tuntutan\">Dapatkan penjelasan daripada bahagian tuntutan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-ditolak-apakah-tindakan-yang-anda-kena-lakukan\/#Dapatkan_peguam\" title=\"Dapatkan peguam\">Dapatkan peguam<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-ditolak-apakah-tindakan-yang-anda-kena-lakukan\/#Dapatkan_bantuan_daripada_pihak_yang_berkaitan\" title=\"Dapatkan bantuan daripada pihak yang berkaitan\">Dapatkan bantuan daripada pihak yang berkaitan<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-ditolak-apakah-tindakan-yang-anda-kena-lakukan\/#Ambil_langkah_yang_perlu_untuk_merayu_keputusan_syarikat_insurans_anda\" title=\"Ambil langkah yang perlu untuk merayu keputusan syarikat insurans anda\">Ambil langkah yang perlu untuk merayu keputusan syarikat insurans anda<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_itu_penafian_atau_penolakan_tuntutan_insurans\"><\/span>Apakah itu penafian atau penolakan tuntutan insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201cPenafian\u201d dalam konteks ini bermaksud penolakan tuntutan insurans. Dalam kes ini, syarikat insurans menyatakan kepada anda bahawa ia tidak akan menanggung kos kerosakan kenderaan anda. Dalam kes lain, syarikat tersebut mungkin memberitahu anda bahawa mereka tidak akan membayar anda pada jumlah yang sepenuhnya.<\/p>\n\n\n\n<p>Seiring dengan penolakan tuntutan, syarikat insurans akan memberi anda surat rasmi atau kenyataan yang memperincikan mengapa tuntutan anda ditolak.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Mengapa_tuntutan_insurans_anda_ditolak\"><\/span>Mengapa tuntutan insurans anda ditolak?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"25402\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/attachment\/photo1646195917-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?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=\"photo1646195917-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"1080\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?resize=854%2C854&amp;ssl=1\" alt=\"Terdapat beberapa sebab yang meengakibatkan tuntutan insurans anda ditolak\" class=\"wp-image-25402\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?w=1080&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-1.jpeg?resize=768%2C768&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n\n\n\n<p>Terdapat sebab atau situasi di mana tuntutan insurans kereta anda boleh ditolak. Anda boleh rujuk artikel kami sebelum ini untuk mendapatkan maklumat lanjut: <a href=\"https:\/\/bjak.my\/blog\/sebab-tuntutan-insurans-anda-ditolak\/\">Sebab Tuntutan Insurans Kereta Anda Ditolak<\/a>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_yang_boleh_anda_lakukan_apabila_tuntutan_insurans_anda_ditolak\"><\/span>Apa yang boleh anda lakukan apabila tuntutan insurans anda ditolak?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berikut ialah beberapa langkah yang boleh dipertimbangkan bagi membuat rayuan mengenai keputusan tuntutan insurans.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berbincang_dengan_ejen_insurans_anda\"><\/span>Berbincang dengan ejen insurans anda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"25403\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/attachment\/photo1646195917-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?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=\"photo1646195917-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"1080\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?resize=854%2C854&amp;ssl=1\" alt=\"Bincang dengan ejen insurans anda mengenai sebab tuntutan insurans ditolak oleh syarikat insurans\" class=\"wp-image-25403\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?w=1080&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-2.jpeg?resize=768%2C768&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n\n\n\n<p>Ejen insurans memainkan peranan penting bagi memudahkan proses tuntutan anda. Anda boleh berbincang dengan ejen anda untuk mendapatkan penjelasan tentang sebab tuntutan insurans anda ditolak. Kenal pasti alasannya dan pastikan anda memahami sebab-sebab tersebut.<\/p>\n\n\n\n<p>Kadangkala, masalah mungkin dari pihak anda sendiri. Masalah tersebut mungkin termasuk dokumentasi yang tidak lengkap atau hilang, yang boleh melambatkan tuntutan anda.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Dapatkan_penjelasan_daripada_bahagian_tuntutan\"><\/span>Dapatkan penjelasan daripada bahagian tuntutan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika anda tidak mempunyai ejen, anda boleh menghubungi jabatan atau bahagian&nbsp;tuntutan untuk mendapatkan penjelasan mengenai penolakan insurans anda.<\/p>\n\n\n\n<p>Penanggung insurans anda mungkin boleh memberi penjelasan menyeluruh kepada anda berhubung perkara itu. Tanya sama ada anda boleh merayu atau mempertikaikan keputusan yang diberikan oleh syarikat insurans.<\/p>\n\n\n\n<p>Anda juga boleh memfailkan aduan rasmi kepada unit aduan. Anda perlu menyediakan dokumen sokongan yang diperlukan. Dalam pada itu, sila pastikan anda turut menyimpan salinan dokumen.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Dapatkan_peguam\"><\/span>Dapatkan peguam<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"25404\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/what-can-you-do-when-your-insurance-claim-is-denied\/attachment\/photo1646195917-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?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=\"photo1646195917-3\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"1080\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?resize=854%2C854&amp;ssl=1\" alt=\"Dapatkan bantuan daripada peguam yang pakar berkaitan insurans.\" class=\"wp-image-25404\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?w=1080&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/photo1646195917-3.jpeg?resize=768%2C768&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n\n\n\n<p>Sekiranya masih tiada jawapan walaupun anda telah membuat aduan kepada unit aduan syarikat insurans, anda boleh mendapatkan khidmat guaman untuk membantu anda. Anda boleh membuat semakan undang-undang untuk kes anda yang ditolak. Namun sila pastikan anda berunding dengan peguam yang betul; bercakap dengan peguam yang mempunyai kepakaran dalam bidang tersebut. Contohnya, dapatkan peguam yang pakar dalam hal berkaitan insurans.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Dapatkan_bantuan_daripada_pihak_yang_berkaitan\"><\/span>Dapatkan bantuan daripada pihak yang berkaitan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Anda juga boleh mengemukakan aduan anda kepada pihak yang berkaitan dengan menyertakan maklumat dan dokumen yang lengkap untuk pertimbangan mereka bagi menjalankan siasatan.<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/piam.org.my\/complaints-mediation\/\">Pusat Maklumat PIAM<\/a><\/li><\/ul>\n\n\n\n<p>Rujuk Persatuan Insurans Am Malaysia (PIAM) untuk tuntutan berkaitan insurans am atau takaful.<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/www.ofs.org.my\/en\/\">Ombudsman Perkhidmatan Kewangan<\/a><\/li><\/ul>\n\n\n\n<p>Ombudsman Perkhidmatan Kewangan (OFS) adalah saluran alternatif penyelesaian pertikaian secara adil untuk menyelesaikan aduan antara Pembekal Perkhidmatan Kewangan dan pelanggan masing-masing.<\/p>\n\n\n\n<p>Walau bagaimanapun, sila ambil perhatian bahawa terdapat beberapa syarat yang mesti anda ikuti jika anda ingin memfailkan aduan sama ada kepada PIAM atau OFS:<\/p>\n\n\n\n<ul><li>Polisi insurans anda adalah dengan syarikat yang merupakan ahli PIAM atau Ombudsman Perkhidmatan Kewangan (OFS). Semua ahli PIAM adalah ahli OFS.<\/li><li>Anda dan syarikat insurans anda telah gagal mencapai persetujuan dan ia adalah dalam tempoh enam bulan dari keputusan muktamad pihak pengurusan.<\/li><li>Anda belum memulakan prosiding undang-undang.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Ambil_langkah_yang_perlu_untuk_merayu_keputusan_syarikat_insurans_anda\"><\/span>Ambil langkah yang perlu untuk merayu keputusan syarikat insurans anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Penafian tuntutan insurans boleh berlaku dalam keadaan tertentu. Jika anda rasa ia tidak adil, anda boleh mengambil langkah untuk merayu keputusan syarikat insurans. Anda juga boleh mendapatkan bantuan pakar atau memfailkan aduan anda sebagai pilihan terakhir.<\/p>\n\n\n\n<p>Kami berharap agar artikel ini dapat membantu anda apabila berdepan dengan situasi penolakan tuntutan insurans.<\/p>\n\n\n\n<p>Sebagai peringatan, sila ambil perhatian juga bahawa memandu tanpa insurans kereta yang sah adalah salah di sisi undang-undang dan boleh menyebabkan anda menghadapi masalah. Tanpa insurans yang sah, anda sama sekali tidak boleh memohon untuk tuntutan insurans.<\/p>\n\n\n\n<p>Oleh itu, sentiasa pastikan insurans kenderaan anda masih sah untuk digunakan.<\/p>\n\n\n\n<p>Anda boleh layari Bjak untuk memperbaharui insurans anda. Mulakan dengan mendapatkan <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=tuntutan-insurans-ditolak-apakah-tindakan-yang-anda-kena-lakukan\">sebut harga insurans<\/a> kereta percuma dalam masa 3 minit sahaja.<\/p>\n\n\n\n<p><strong>Baca juga:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/sebab-tuntutan-insurans-anda-ditolak\/\">Sebab Tuntutan Insurans Kereta Anda Ditolak<\/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><li><a href=\"https:\/\/bjak.my\/blog\/kereta-kena-curi-ini-cara-anda-claim-insurans-kecurian\/\">Kereta Kena Curi? Ini Cara Anda Claim Insurans Kecurian<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/tuntutan-khidmat-tunda-kereta-ini-yang-anda-perlu-tahu\/\">Tuntutan Khidmat Tunda Kereta \u2013 Ini yang Anda Perlu Tahu<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Terdapat beberapa punca yang boleh menyebabkan tuntutan insurans anda ditolak. <\/p>\n<p>Ketahui langkah yang boleh anda lakukan untuk membuat rayuan bagi pihak anda. <\/p>\n","protected":false},"author":4,"featured_media":36902,"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>Tuntutan Insurans Ditolak? 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Ketahui langkah yang boleh anda lakukan untuk membuat rayuan bagi pihak anda.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-ditolak-apakah-tindakan-yang-anda-kena-lakukan\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-24T03:52:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-04-19T07:47:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/03\/2023-04-18-12.10.58.jpg?fit=1280%2C809&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"809\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Athirah Hanapiah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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