{"id":34493,"date":"2022-08-18T13:53:37","date_gmt":"2022-08-18T05:53:37","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=34493"},"modified":"2023-06-26T10:26:19","modified_gmt":"2023-06-26T02:26:19","slug":"bila-anda-boleh-tidak-boleh-buat-tuntutan-kerosakan-sendiri","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/bila-anda-boleh-tidak-boleh-buat-tuntutan-kerosakan-sendiri","title":{"rendered":"Bila Anda Boleh &#038; Tidak Boleh Buat Tuntutan Kerosakan Sendiri?"},"content":{"rendered":"\n<p>Membonceng motosikal ataupun memandu kereta. Kedua-duanya berisiko terbabit dalam kemalangan jalan raya sama ada secara sendirian mahupun membabitkan kenderaan\/ benda lain.<\/p>\n\n\n\n<p>Apabila kemalangan berlaku dan kenderaan anda mengalami kerosakan teruk, anda tidak perlu panik. Terdapat satu cara yang boleh membantu menyelesaikan masalah anda itu, iaitu dengan membuat tuntutan insurans.<\/p>\n\n\n\n<p>Namun, sekejap! Tidak semua kemalangan membolehkan anda untuk membuat tuntutan insurans kerana ia bergantung kepada<a href=\"https:\/\/bjak.my\/blog\/beza-insurans-1st-party-dengan-3rd-party\/\"> jenis insurans kereta<\/a> yang anda miliki ketika itu.<\/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=bila-anda-boleh-tidak-boleh-buat-tuntutan-kerosakan-sendiri\">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-69df203e53be2\" 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-69df203e53be2\"><\/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\/bila-anda-boleh-tidak-boleh-buat-tuntutan-kerosakan-sendiri\/#Tahu_dulu_jenis_tuntutan_insurans_yang_ada\" title=\"Tahu dulu jenis tuntutan insurans yang ada\">Tahu dulu jenis tuntutan insurans yang ada<\/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\/bila-anda-boleh-tidak-boleh-buat-tuntutan-kerosakan-sendiri\/#Bilakah_anda_boleh_buat_tuntutan_kerosakan_sendiri\" title=\"Bilakah anda boleh buat tuntutan kerosakan sendiri?\">Bilakah anda boleh buat tuntutan kerosakan sendiri?<\/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\/bila-anda-boleh-tidak-boleh-buat-tuntutan-kerosakan-sendiri\/#Bilakah_anda_tidak_boleh_buat_tuntutan_bagi_kerosakan_sendiri\" title=\"Bilakah anda tidak boleh buat tuntutan bagi kerosakan sendiri?&nbsp;\">Bilakah anda tidak boleh buat tuntutan bagi kerosakan sendiri?&nbsp;<\/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\/bila-anda-boleh-tidak-boleh-buat-tuntutan-kerosakan-sendiri\/#Cara_membuat_tuntutan_kerosakan_sendiri\" title=\"Cara membuat tuntutan kerosakan sendiri\">Cara membuat tuntutan kerosakan sendiri<\/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\/bila-anda-boleh-tidak-boleh-buat-tuntutan-kerosakan-sendiri\/#Renew_insurans_dengan_pelan_komprehensif\" title=\"Renew insurans dengan pelan komprehensif\">Renew insurans dengan pelan komprehensif<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tahu_dulu_jenis_tuntutan_insurans_yang_ada\"><\/span>Tahu dulu jenis tuntutan insurans yang ada<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara amnya, terdapat tiga jenis tuntutan insurans yang boleh dilakukan oleh anda iaitu tuntutan kerosakan sendiri <em>(Own Damage Claim)<\/em>, tuntutan kerosakan sendiri<em> knock-for-knock<\/em>, dan tuntutan pihak ketiga.<\/p>\n\n\n\n<p>Ketiga-tiga jenis tuntutan insurans ini berbeza, dan ia bergantung kepada jenis polisi yang anda miliki ketika kemalangan berlaku.<\/p>\n\n\n\n<p>Secara ringkasnya, tuntutan kerosakan sendiri dan tuntutan<em> knock-for-knock<\/em> adalah terhad kepada pemegang polisi <a href=\"https:\/\/bjak.my\/blog\/kenapa-anda-perlu-beli-insurans-kereta-1st-party\/\">insurans kereta 1st party<\/a> sahaja. Manakala tuntutan pihak ketiga pula ada lebih \u2018meluas\u2019 dan boleh dilakukan oleh mangsa (pihak ketiga) yang terbabit dalam kemalangan. Bermakna, tanpa mengira sebarang jenis polisi yang anda miliki (meskipun sekadar miliki polisi paling asas), anda tetap boleh membuat tuntutan pihak ketiga jika anda bukan dipihak yang bersalah.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bilakah_anda_boleh_buat_tuntutan_kerosakan_sendiri\"><\/span>Bilakah anda boleh buat tuntutan kerosakan sendiri?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh3.googleusercontent.com\/8ZPzX4l7P4sue8L9kc-RpC3OWTWG2JYLmImtgfmu3tlTmnwv67xnt_ZyHj5Hc1pRcf4AnBdZRQyqZTefIbHF-Zi-6Pe5urZSnhcoFJa4WgySalMtG5uNs38xUTwbJXspp6cXRQD7K0S_mvnEBrzjSAE\" alt=\"\"\/><\/figure>\n\n\n\n<p>Syarat utama untuk membuat tuntutan kerosakan sendiri ada dua iaitu:<\/p>\n\n\n\n<ol><li>Anda pemegang polisi insurans komprehensif<\/li><li><a href=\"https:\/\/bjak.my\/blog\/polisi-insurans-kereta-expired-apa-anda-kena-buat-seterusnya\/\">Polisi insuran kereta<\/a> anda masih aktif<\/li><\/ol>\n\n\n\n<p>Tuntutan kerosakan sendiri tidak hanya terhad kepada kerosakan pada kenderaan sendiri akibat kejadian kemalangan dengan pihak lain yang berpunca daripada anda, bahkan juga situasi-situasi lain seperti:<\/p>\n\n\n\n<ol><li>Anda terbabit kemalangan sendirian; contohnya terlanggar tiang lampu, terlanggar divider jalan, terlanggar lubang dan sebarang objek di atas jalan raya akibat kecuaian anda<\/li><li>Anda terlanggar haiwan ketika sedang memandu sehingga menyebabkan kenderaan rosak teruk<\/li><li>Cermin kereta anda retak atau pecah akibat serpihan batu atau lain-lain<\/li><li>Kereta anda mengalami kerosakan akibat kemalangan ketika dipandu individu lain yang tidak dinamakan di dalam polisi (bagaimanapun ekses akan dikenakan)<\/li><li>Kenderaan anda dilanggar di tempat letak kereta, tetapi anda tidak tahu pelaku<\/li><li>Kereta anda dilanggar lari sehingga rosak teruk tetapi anda gagal mengenal pasti pelaku<\/li><li>Anda pandu uji kereta baru, dan kereta pandu uji tersebut rosak teruk akibat kemalangan yang disebabkan oleh anda<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bilakah_anda_tidak_boleh_buat_tuntutan_bagi_kerosakan_sendiri\"><\/span>Bilakah anda tidak boleh buat tuntutan bagi kerosakan sendiri?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li>Anda bukan pemegang polisi insurans komprehensif<\/li><li>Anda tidak bersalah dalam kemalangan terbabit (anda boleh buat tuntutan pihak ketiga)<\/li><li>Hanya memiliki polisi paling asas (polisi insurans pihak ketiga sahaja)<\/li><li>Anda tidak mempunyai lesen memandu langsung<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_membuat_tuntutan_kerosakan_sendiri\"><\/span>Cara membuat tuntutan kerosakan sendiri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"34507\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bila-anda-boleh-tidak-boleh-buat-tuntutan-kerosakan-sendiri\/attachment\/2022-08-18-13-57-08\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/2022-08-18-13.57.08.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=\"2022-08-18-13.57.08\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/2022-08-18-13.57.08.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/2022-08-18-13.57.08.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\/08\/2022-08-18-13.57.08.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Cara membuat tuntutan insurans selepas kemalangan\" class=\"wp-image-34507\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/2022-08-18-13.57.08.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/2022-08-18-13.57.08.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/2022-08-18-13.57.08.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/2022-08-18-13.57.08.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/08\/2022-08-18-13.57.08.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Renew_insurans_dengan_pelan_komprehensif\"><\/span>Renew insurans dengan pelan komprehensif<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Hanya pelan komprehensif sahaja yang menyediakan perlindungan lebih meluas dan membolehkan anda untuk membuat tuntutan kerosakan untuk kenderaan anda sendiri. Jadi, sebaiknya anda dapatkan atau <a href=\"https:\/\/bjak.my\/blog\/renew-insurans-berbaloikah-insuranskan-kereta-ikut-nilai-pasaran\/\">renew insurans kereta<\/a> dengan pelan komprehensif bagi perlindungan lebih menyeluruh untuk kenderaan anda.<\/p>\n\n\n\n<p>Layari sahaja Bjak untuk dapatkan pelan komprehensif terbaik daripada pelbagai jenama insurans hari ini. Banding dengan 15 insurans yang ada dan pilih 1 yang anda perlukan mengikut bajet anda.<\/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=bila-anda-boleh-tidak-boleh-buat-tuntutan-kerosakan-sendiri\">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=bila-anda-boleh-tidak-boleh-buat-tuntutan-kerosakan-sendiri\">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\/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><li><a href=\"https:\/\/bjak.my\/blog\/sebab-tuntutan-insurans-anda-ditolak\/\">Sebab Tuntutan Insurans Kereta Anda Ditolak<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Anda terlibat kemalangan? Bolehkah tuntutan kerosakan sendiri dibuat jika anda hanya miliki polisi pihak ketiga?<\/p>\n","protected":false},"author":4,"featured_media":34503,"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":[26,243,248,977],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bila Anda Boleh &amp; Tidak Boleh Buat Tuntutan Kerosakan Sendiri?<\/title>\n<meta name=\"description\" content=\"Anda terlibat kemalangan? Bolehkah tuntutan kerosakan sendiri dibuat jika anda hanya miliki polisi pihak ketiga?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bila-anda-boleh-tidak-boleh-buat-tuntutan-kerosakan-sendiri\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bila Anda Boleh &amp; Tidak Boleh Buat Tuntutan Kerosakan Sendiri?\" \/>\n<meta property=\"og:description\" content=\"Anda terlibat kemalangan? 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