{"id":34944,"date":"2022-09-15T12:24:23","date_gmt":"2022-09-15T04:24:23","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=34944"},"modified":"2023-06-23T10:56:43","modified_gmt":"2023-06-23T02:56:43","slug":"bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda","title":{"rendered":"Bagaimana Kemalangan Kereta Akan Memberi Kesan Kepada Premium Insurans  Anda?"},"content":{"rendered":"\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-apa-yang-anda-perlu-tahu\/\">Insurans kereta<\/a> merupakan kontrak antara anda dan syarikat insurans untuk melindungi anda dari segi kewangan sekiranya apa-apa berlaku kepada kenderaan anda akibat kemalangan. Sebagai pertukaran untuk bayaran <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> anda, syarikat insurans akan menyediakan perlindungan seperti yang digariskan dalam polisi.<\/p>\n\n\n\n<p>Secara ringkasnya, memiliki perlindungan insurans akan membuatkan anda berasa sedikit lega jika terlibat dalam kemalangan. Ini kerana, anda boleh membuat tuntutan daripada syarikat insurans untuk menampung kos pembaikan bagi kenderaan anda.<\/p>\n\n\n\n<p>Namun begitu, meskipun anda mempunyai peluang untuk memfailkan tuntutan pada bila-bila masa, sila berjaga-jaga ya. Jangan ambil mudah kerana ia sebenarnya boleh menjejaskan premium insurans anda tanpa disedari.<\/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=\"bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\">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-69df345f124a9\" 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-69df345f124a9\"><\/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\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\/#Adakah_premium_insurans_kereta_anda_akan_meningkat_selepas_kemalangan\" title=\"Adakah premium insurans kereta anda akan meningkat selepas kemalangan?\">Adakah premium insurans kereta anda akan meningkat selepas kemalangan?<\/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\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\/#Premium_insurans_yang_lebih_tinggi_semasa_pembaharuan\" title=\"Premium insurans yang lebih tinggi semasa pembaharuan\">Premium insurans yang lebih tinggi semasa pembaharuan<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\/#Apakah_maksud_tuntutan_kemalangan_sendiri\" title=\"Apakah maksud tuntutan kemalangan sendiri?\">Apakah maksud tuntutan kemalangan sendiri?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\/#Apakah_tuntutan_insurans_kereta_bukan_kesalahan_sendiri\" title=\"Apakah tuntutan insurans kereta bukan kesalahan sendiri?\">Apakah tuntutan insurans kereta bukan kesalahan sendiri?<\/a><\/li><\/ul><\/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\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\/#Kesan_pada_Diskaun_Tanpa_Tuntutan_NCD\" title=\"Kesan pada Diskaun Tanpa Tuntutan (NCD)\">Kesan pada Diskaun Tanpa Tuntutan (NCD)<\/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\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\/#Memiliki_banyak_rekod_sejarah_kemalangan_akan_meningkatkan_kadar_premium_insurans\" title=\"Memiliki banyak rekod\/ sejarah kemalangan akan meningkatkan kadar premium insurans\">Memiliki banyak rekod\/ sejarah kemalangan akan meningkatkan kadar premium insurans<\/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\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\/#Berhati-hati_semasa_memfailkan_tuntutan_insurans\" title=\"Berhati-hati semasa memfailkan tuntutan insurans\">Berhati-hati semasa memfailkan tuntutan insurans<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Adakah_premium_insurans_kereta_anda_akan_meningkat_selepas_kemalangan\"><\/span>Adakah premium insurans kereta anda akan meningkat selepas kemalangan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/lh5.googleusercontent.com\/p4c0q0xg_wKG7D8JmqpyTD794YctJVElqujDWNwF2Lr1ldDlq8CEp7-8rTsYUR4Q7_fuXHku8fw66TNFfvNnpRsMD9akhjCxM0wQlQ2oWdDS2xDHCDcr9ZlNrH00gyZv3r_ymY_YU7HYtyNqTmNc6wevAvqX8b_iotbyK1kkgQJJPe76_aShO8-R0w\" alt=\"\"\/><\/figure>\n\n\n\n<p>Malangnya, ya. Tindakan anda membuat tuntutan insurans di bawah polisi anda akan menyebabkan premium insurans anda meningkat pada pembaharuan seterusnya.&nbsp;<\/p>\n\n\n\n<p>Anda juga berkemungkinan kehilangan <a href=\"https:\/\/bjak.my\/blog\/ncd-fakta-kadar-ncd-cara-untuk-semak\/\">NCD insurans kereta<\/a> yang telah terkumpul. Walau bagaimanapun, ia bergantung pada jenis tuntutan yang anda buat.<\/p>\n\n\n\n<p>Teruskan membaca artikel ini untuk ketahui bagaimana ia akan mempengaruhi premium anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Premium_insurans_yang_lebih_tinggi_semasa_pembaharuan\"><\/span>Premium insurans yang lebih tinggi semasa pembaharuan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Premium insurans anda akan meningkat semasa pembaharuan seterusnya jika anda didapati bersalah atas kemalangan tersebut.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apakah_maksud_tuntutan_kemalangan_sendiri\"><\/span>Apakah maksud tuntutan kemalangan sendiri?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kemalangan sendiri merujuk kepada kemalangan kereta yang disebabkan oleh kecuaian pemandu tersebut. Jika kemalangan adalah kesalahan anda, tuntutan anda akan direkodkan sebagai tuntutan kemalangan sendiri pada sejarah insurans anda.<\/p>\n\n\n\n<p>Sebagai contoh:<\/p>\n\n\n\n<ul><li>Jika kenderaan anda melanggar kereta lain atau,<\/li><li>Jika anda merosakkan kereta anda (terlanggar tiang lampu, pili, divider jalan, dll)<\/li><\/ul>\n\n\n\n<p>Walau bagaimanapun, tidak semua tuntutan membawa kepada premium insurans yang lebih tinggi. Terdapat jenis tuntutan lain yang biasanya tidak dikenakan penalti. Sebagai contoh, jika ia adalah tuntutan insurans kereta yang bukan disebabkan oleh kesalahan anda.&nbsp;<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apakah_tuntutan_insurans_kereta_bukan_kesalahan_sendiri\"><\/span>Apakah tuntutan insurans kereta bukan kesalahan sendiri?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tuntutan ini berlaku apabila kesalahan itu terletak sepenuhnya pada orang lain. Sebagai contoh:<\/p>\n\n\n\n<ul><li>Jika kereta anda tidak bergerak dan pemandu lain mengundur dan terlanggar kereta anda<\/li><li>Jika kereta anda dilanggar oleh pemandu lain yang mungkin memandu laju atau tidak mengendahkan peraturan jalan raya<\/li><\/ul>\n\n\n\n<p>Dalam kes ini, anda boleh memfailkan tuntutan kepada penanggung insurans kenderaan pihak yang satu lagi. Insurans kereta pemandu lain tersebut yang perlu membayar perbelanjaan bagi pembaikan kenderaan dan juga kecederaan anda (jika ada).<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesan_pada_Diskaun_Tanpa_Tuntutan_NCD\"><\/span>Kesan pada Diskaun Tanpa Tuntutan (NCD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NCD ialah satu bentuk diskaun yang ditawarkan oleh syarikat insurans jika anda tidak membuat sebarang tuntutan sepanjang tempoh perlindungan. Apabila anda tidak membuat sebarang tuntutan ke atas polisi insurans anda, kadar NCD anda akan meningkat, dan seterusnya mengurangkan premium insurans kereta anda pada pembaharuan insurans nanti.<\/p>\n\n\n\n<p>Membuat tuntutan untuk kemalangan yang berpunca daripada diri sendiri bagaimanapun pasti akan menjejaskan kadar NCD anda dan menyebabkan premium asas insurans anda turut meningkat.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Namun begitu, NCD anda tidak akan terjejas meskipun jika tuntutan dibuat di dalam dua situasi ini:&nbsp;<\/p>\n\n\n\n<ul><li>Tuntutan bagi kemalangan yang bukan berpunca daripada anda&nbsp;<\/li><li>Tuntutan windscreen (dengan syarat anda anda perlindungan tambahan windscreen di dalam polisi).<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Memiliki_banyak_rekod_sejarah_kemalangan_akan_meningkatkan_kadar_premium_insurans\"><\/span>Memiliki banyak rekod\/ sejarah kemalangan akan meningkatkan kadar premium insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Salah satu faktor yang turut mempengaruhi premium insurans kereta termasuklah rekod pemanduan anda. Premium anda mungkin lebih tinggi daripada seseorang yang mempunyai rekod pemanduan yang bersih jika anda pernah mengalami beberapa kemalangan. Dengan kata lain, jika anda sering melanggar peraturan lalu lintas dan mengalami kemalangan jalan raya, premium insurans anda mungkin lebih tinggi kerana syarikat insurans akan menganggap anda sebagai pemandu berisiko tinggi.<\/p>\n\n\n\n<p>Sebaliknya, jika anda seorang pemandu yang berhemah dan mempunyai rekod pemanduan yang bersih, premium insurans kereta anda mungkin akan lebih rendah.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berhati-hati_semasa_memfailkan_tuntutan_insurans\"><\/span>Berhati-hati semasa memfailkan tuntutan insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ada kalanya, terdapat beberapa situasi yang memerlukan anda untuk membuat tuntutan insurans. Walau bagaimanapun, kekerapan anda membuat tuntutan, terutama jika ia adalah kesalahan anda boleh mempengaruhi premium insurans pada pembaharuan akan datang. Selain itu, tindakan anda yang kerap membuat tuntutan juga boleh menyebabkan syarikat insurans anda menaikkan kadar premium anda atau memutuskan untuk menolak pembaharuan polisi anda di tahun berikutnya.<\/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=bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\">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=\"bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\">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\/risiko-pemandu-adakah-anda-pemandu-berisiko-tinggi-atau-rendah\/\">Risiko Pemandu: Adakah Anda Pemandu Berisiko Tinggi Atau Rendah?\u00a0<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/5-perkara-yang-perlu-anda-tahu-sebelum-membuat-tuntutan-insurans\/\">5 Perkara Yang Perlu Anda Tahu Sebelum Membuat Tuntutan Insurans<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/kesilapan-yang-perlu-dielakkan-semasa-memfailkan-tuntutan-insurans-kemalangan-kereta\/\">Kesilapan Yang Perlu Dielakkan Semasa Memfailkan Tuntutan Insurans Kemalangan Kereta<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Tuntutan insurans akan menyebabkan kadar premium insurans meningkat di pembaharuan seterusnya kecuali dalam beberapa situasi. <\/p>\n","protected":false},"author":4,"featured_media":34945,"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>Adakah Premium Insurans Kereta Terjejas Selepas Terbabit Kemalangan?<\/title>\n<meta name=\"description\" content=\"Tuntutan insurans akan menyebabkan kadar premium insurans kereta meningkat di pembaharuan seterusnya kecuali dalam beberapa situasi.\" \/>\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\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Adakah Premium Insurans Kereta Terjejas Selepas Terbabit Kemalangan?\" \/>\n<meta property=\"og:description\" content=\"Tuntutan insurans akan menyebabkan kadar premium insurans kereta meningkat di pembaharuan seterusnya kecuali dalam beberapa situasi.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\" \/>\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=\"2022-09-15T04:24:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-23T02:56:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-15-12.12.05.jpg?fit=1600%2C1013&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1013\" \/>\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! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#primaryimage\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-15-12.12.05.jpg?fit=1600%2C1013&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-15-12.12.05.jpg?fit=1600%2C1013&ssl=1\",\"width\":1600,\"height\":1013,\"caption\":\"premium insurans selepas tuntutan\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\",\"name\":\"Adakah Premium Insurans Kereta Terjejas Selepas Terbabit Kemalangan?\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#primaryimage\"},\"datePublished\":\"2022-09-15T04:24:23+00:00\",\"dateModified\":\"2023-06-23T02:56:43+00:00\",\"description\":\"Tuntutan insurans akan menyebabkan kadar premium insurans kereta meningkat di pembaharuan seterusnya kecuali dalam beberapa situasi.\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Bagaimana Kemalangan Kereta Akan Memberi Kesan Kepada Premium Insurans Anda?\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/ac6242ed7b78cf446e0c0aeb4802a375\"},\"headline\":\"Bagaimana Kemalangan Kereta Akan Memberi Kesan Kepada Premium Insurans Anda?\",\"datePublished\":\"2022-09-15T04:24:23+00:00\",\"dateModified\":\"2023-06-23T02:56:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#webpage\"},\"wordCount\":698,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-15-12.12.05.jpg?fit=1600%2C1013&ssl=1\",\"keywords\":[\"BM\",\"insurans kereta\",\"renew insurans\",\"tuntutan insurans\"],\"articleSection\":[\"Insurans Kereta\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/ac6242ed7b78cf446e0c0aeb4802a375\",\"name\":\"Athirah Hanapiah\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/67ccc05099376966340f5762284125cf?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/67ccc05099376966340f5762284125cf?s=96&d=mm&r=g\",\"caption\":\"Athirah Hanapiah\"},\"description\":\"\\\"A word after a word after a word is power\\\"\",\"url\":\"https:\/\/bjak.my\/blog\/author\/athirahbjak\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Adakah Premium Insurans Kereta Terjejas Selepas Terbabit Kemalangan?","description":"Tuntutan insurans akan menyebabkan kadar premium insurans kereta meningkat di pembaharuan seterusnya kecuali dalam beberapa situasi.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda","og_locale":"en_US","og_type":"article","og_title":"Adakah Premium Insurans Kereta Terjejas Selepas Terbabit Kemalangan?","og_description":"Tuntutan insurans akan menyebabkan kadar premium insurans kereta meningkat di pembaharuan seterusnya kecuali dalam beberapa situasi.","og_url":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2022-09-15T04:24:23+00:00","article_modified_time":"2023-06-23T02:56:43+00:00","og_image":[{"width":1600,"height":1013,"url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-15-12.12.05.jpg?fit=1600%2C1013&ssl=1","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"Athirah Hanapiah","Est. reading time":"4 minutes"},"schema":{"@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! Fastest way to renew in Malaysia!","publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bjak.my\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#primaryimage","url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-15-12.12.05.jpg?fit=1600%2C1013&ssl=1","contentUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-15-12.12.05.jpg?fit=1600%2C1013&ssl=1","width":1600,"height":1013,"caption":"premium insurans selepas tuntutan"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#webpage","url":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda","name":"Adakah Premium Insurans Kereta Terjejas Selepas Terbabit Kemalangan?","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#primaryimage"},"datePublished":"2022-09-15T04:24:23+00:00","dateModified":"2023-06-23T02:56:43+00:00","description":"Tuntutan insurans akan menyebabkan kadar premium insurans kereta meningkat di pembaharuan seterusnya kecuali dalam beberapa situasi.","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Bagaimana Kemalangan Kereta Akan Memberi Kesan Kepada Premium Insurans Anda?"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/ac6242ed7b78cf446e0c0aeb4802a375"},"headline":"Bagaimana Kemalangan Kereta Akan Memberi Kesan Kepada Premium Insurans Anda?","datePublished":"2022-09-15T04:24:23+00:00","dateModified":"2023-06-23T02:56:43+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#webpage"},"wordCount":698,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-kemalangan-kereta-akan-memberi-kesan-kepada-premium-insurans-anda#primaryimage"},"thumbnailUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-15-12.12.05.jpg?fit=1600%2C1013&ssl=1","keywords":["BM","insurans kereta","renew insurans","tuntutan insurans"],"articleSection":["Insurans Kereta"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/ac6242ed7b78cf446e0c0aeb4802a375","name":"Athirah Hanapiah","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/67ccc05099376966340f5762284125cf?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/67ccc05099376966340f5762284125cf?s=96&d=mm&r=g","caption":"Athirah Hanapiah"},"description":"\"A word after a word after a word is power\"","url":"https:\/\/bjak.my\/blog\/author\/athirahbjak"}]}},"jetpack_featured_media_url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/09\/2022-09-15-12.12.05.jpg?fit=1600%2C1013&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/34944"}],"collection":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=34944"}],"version-history":[{"count":5,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/34944\/revisions"}],"predecessor-version":[{"id":40124,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/34944\/revisions\/40124"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/34945"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=34944"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=34944"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=34944"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}