{"id":37479,"date":"2023-05-10T14:37:21","date_gmt":"2023-05-10T06:37:21","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=37479"},"modified":"2023-08-15T15:21:36","modified_gmt":"2023-08-15T07:21:36","slug":"kereta-total-loss-berapa-nilai-pampasan-anda-layak-dapat","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-total-loss-berapa-nilai-pampasan-anda-layak-dapat","title":{"rendered":"Kereta Total Loss, Berapa Nilai Pampasan Anda Layak Dapat?"},"content":{"rendered":"\n<p>Pernahkah anda terfikir, apa jadi jika kenderaan terbabit dalam kemalangan sehingga disahkan sebagai <em>\u2018total loss\u2019<\/em>? Layakkah anda untuk membuat tuntutan insurans dan berapa pula jumlah atau nilai pampasan yang akan diperoleh?<\/p>\n\n\n\n<p>Artikel ini akan terangkan kepada anda dengan lebih lanjut mengenai tuntutan untuk kereta<em> total loss yang perlu anda tahu.<\/em><\/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-69e3560c6afec\" 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-69e3560c6afec\"><\/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\/kereta-total-loss-berapa-nilai-pampasan-anda-layak-dapat\/#Apa_itu_kenderaan_total_loss\" title=\"Apa itu kenderaan total loss?\">Apa itu kenderaan total loss?<\/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\/kereta-total-loss-berapa-nilai-pampasan-anda-layak-dapat\/#Bilakah_kereta_anda_akan_dianggap_sebagai_total_loss\" title=\"Bilakah kereta anda akan dianggap sebagai total loss?\">Bilakah kereta anda akan dianggap sebagai total loss?<\/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\/kereta-total-loss-berapa-nilai-pampasan-anda-layak-dapat\/#Berapakah_nilai_pampasan_anda_layak_dapat_untuk_kereta_total_loss\" title=\"Berapakah nilai pampasan anda layak dapat untuk kereta total loss?\">Berapakah nilai pampasan anda layak dapat untuk kereta total loss?<\/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\/kereta-total-loss-berapa-nilai-pampasan-anda-layak-dapat\/#Siapa_yang_layak_buat_tuntutan_untuk_kenderaan_total_loss\" title=\"Siapa yang layak buat tuntutan untuk kenderaan total loss?\">Siapa yang layak buat tuntutan untuk kenderaan total loss?<\/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\/kereta-total-loss-berapa-nilai-pampasan-anda-layak-dapat\/#Apa_akan_terjadi_pada_kenderaan_yang_diisytiharkan_total_loss\" title=\"Apa akan terjadi pada kenderaan yang diisytiharkan total loss?\">Apa akan terjadi pada kenderaan yang diisytiharkan total loss?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apa_itu_kenderaan_total_loss\"><\/span>Apa itu kenderaan total loss?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk makluman anda, sesebuah kenderaan itu akan dianggap sebagai total loss disebabkan oleh dua keadaan iaitu:<\/p>\n\n\n\n<ol><li>Kenderaan dicuri<\/li><li>Kenderaan berkenaan terlibat dalam kemalangan dan mengalami kerosakan sehingga tidak boleh dibaiki dan digunakan lagi.<\/li><\/ol>\n\n\n\n<p>Selalunya, apa yang sering dirisaukan oleh rata-rata pemilik kenderaan adalah apabila berlakunya situasi kedua di atas. Justeru di dalam artikel ini, Bjak akan berikan penjelasan dengan lebih mendalam mengenai senario kedua berkenaan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bilakah_kereta_anda_akan_dianggap_sebagai_total_loss\"><\/span>Bilakah kereta anda akan dianggap sebagai total loss?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Perlu anda tahu dan faham, sesebuah kenderaan itu akan dianggap sebagai total loss apabila kos untuk pembaikan melebihi nilai <em>Actual Cash Value (ACV)<\/em> semasa kenderaan tersebut.<\/p>\n\n\n\n<p>Biasanya, jika sesebuah kereta disahkan oleh syarikat insurans sebagai <em>total loss,<\/em> ini bermaksud kenderaan tersebut \u201cTidak Berhemat Dibaiki\u201d atau <em>Beyond Economic Repair<\/em> (BER).&nbsp;Maksudnya di sini,&nbsp;kenderaan tersebut tidak selamat atau tidak dapat dibaiki lagi atau kos anggaran untuk membaiki atau menggantikan kereta tersebut melebihi nilai tunai sebenar<em> <\/em>kenderaan tersebut.&nbsp;<\/p>\n\n\n\n<p><em><strong>Nota: <\/strong>Nilai tunai sebenar kenderaan anda merujuk kepada amaun yang akan dibayar oleh syarikat insurans anda jika kenderaan anda total loss.<\/em><\/p>\n\n\n\n<p>Untuk makluman anda, setiap negeri memberikan nilai yang berbeza untuk kerugian yang dianggap sebagai total loss. Biasanya, setiap negeri akan menggunakan kaedah yang unik dan berbeza bagi menentukan jumlah kerugian untuk kenderaan total loss.<\/p>\n\n\n\n<p>Contohnya, ada negeri yang menggunakan kaedah <strong>Total Loss Formula (TLF)<\/strong> yang bermakna bahawa kenderaan itu akan dianggap total loss jika kos untuk membaik pulihnya melebihi ACV kereta tersebut.<\/p>\n\n\n\n<p>Selain itu, ada juga sesetengah negeri yang menggunakan kaedah <strong>Total Loss Threshold\u2019 (TLT)<\/strong> yang mana kerosakan pada kenderaan lebih besar daripada peratusan yang ditentukan berdasarkan nilai yang dianggap sesuai untuk kenderaan tersebut.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapakah_nilai_pampasan_anda_layak_dapat_untuk_kereta_total_loss\"><\/span>Berapakah nilai pampasan anda layak dapat untuk kereta total loss?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pada dasarnya, pihak insurans menentukan jumlah pampasan berdasarkan jumlah perlindungan atau <strong><em>sum insured<\/em><\/strong><em> <\/em>kenderaan anda. Ingatkah anda, sebelum memperbaharui insurans kenderaan, anda perlu memilih jumlah perlindungan kenderaan sama ada mengikut <strong><em>market value<\/em><\/strong><em> <\/em>(nilai pasaran) atau <strong><em>agreed value<\/em><\/strong><em> <\/em>(nilai dipersetujui) kan?<\/p>\n\n\n\n<p>Jadi, jika sebelum ini anda memilih untuk menginsuranskan kenderaan anda mengikut nilai pasaran, maka jumlah pampasan yang anda akan layak dapat adalah mengikut nilai pasaran kereta anda ketika total loss\/ kemalangan berlaku.<\/p>\n\n\n\n<p>Sebaliknya, jika kenderaan anda diinsuranskan mengikut nilai yang dipersetujui, maka jumlah pampasan yang anda layak peroleh adalah sama seperti yang telah dipersetujui di dalam polisi.<\/p>\n\n\n\n<p>Contohnya, jika sum insured mengikut agreed value adalah berjumlah RM30,000, maka jumlah pampasan yang anda akan peroleh juga adalah sebanyak RM30,000.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Siapa_yang_layak_buat_tuntutan_untuk_kenderaan_total_loss\"><\/span>Siapa yang layak buat tuntutan untuk kenderaan total loss?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk pengetahuan anda, hanya pemegang <a href=\"https:\/\/bjak.my\/blog\/kenapa-anda-perlu-beli-insurans-kereta-1st-party\/\">polisi insurans 1st party<\/a> sahaja layak untuk membuat tuntutan insurans jika kenderaan total loss akibat kemalangan. Sekiranya anda mendapatkan polisi pihak ketiga<strong>, <\/strong>kebakaran atau kecurian ataupun polisi pihak ketiga, anda tidak boleh membuat tuntutan tersebut kepada syarikat insurans anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_akan_terjadi_pada_kenderaan_yang_diisytiharkan_total_loss\"><\/span>Apa akan terjadi pada kenderaan yang diisytiharkan total loss?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika kereta anda sudah diisytiharkan sebagai total loss oleh pihak insurans dan anda juga bersetuju dengan penilaian mereka, maka, anda sebenarnya boleh memilih untuk sama ada:<\/p>\n\n\n\n<ul><li>Menyimpan kereta itu<\/li><li>Menyerahkan kereta tersebut kepada syarikat insurans<\/li><\/ul>\n\n\n\n<p>Sekiranya anda memilih untuk menyimpan kenderaan tersebut, syarikat insurans akan memberikan bayaran yang lebih rendah kepada anda berbanding yang sepatutnya.<\/p>\n\n\n\n<p>Semoga perkongsian ini bermanfaat!<\/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.\u00a0Dapatkan\u00a0<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=kereta-total-loss-berapa-nilai-pampasan-anda-layak-dapat\">sebut\u00a0harga percuma<\/a>\u00a0di Bjak dan pilih pelan terbaik hari ini!<\/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-black-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=kereta-total-loss-berapa-nilai-pampasan-anda-layak-dapat\">Renew online<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:&nbsp;<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/boleh-claim-atau-tidak-ini-4-contoh-situasi-yang-perlu-anda-fahami\/\">\u201cBoleh Claim Atau Tidak?\u201d \u2013 Ini 4 Contoh Situasi Yang Perlu Anda Fahami<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/tuntutan-insurans-kereta-akibat-kemalangan\/#Tuntutan_Pihak_Ketiga\">Nak Claim Insurans? Ketahui Dulu Jenis-Jenis Tuntutan Insurans &amp; Caranya<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/tak-tahu-tahap-perlindungan-insurans-yang-sesuai-untuk-kenderaan-tanya-diri-anda-5-soalan-ini\/\">Tak Tahu Tahap Perlindungan Insurans Yang Sesuai Untuk Kenderaan? Tanya Diri Anda 5 Soalan Ini<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/bolehkah-syarikat-insurans-menolak-untuk-menginsuranskan-kenderaan-anda\/\">Bolehkah Syarikat Insurans Menolak Untuk Menginsuranskan Kenderaan Anda?<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Pihak insurans biasanya akan menentukan jumlah pampasan yang layak diperoleh  pemilik kereta total loss berdasarkan nilai yang diinsuranskan.<\/p>\n","protected":false},"author":4,"featured_media":37480,"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>Kereta Total Loss, Berapa Nilai Pampasan Anda Layak Dapat?<\/title>\n<meta name=\"description\" content=\"Pihak insurans biasanya akan menentukan jumlah pampasan yang layak diperoleh pemilik kereta total loss berdasarkan nilai yang diinsuranskan.\" \/>\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\/kereta-total-loss-berapa-nilai-pampasan-anda-layak-dapat\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kereta Total Loss, Berapa Nilai Pampasan Anda Layak Dapat?\" \/>\n<meta property=\"og:description\" content=\"Pihak insurans biasanya akan menentukan jumlah pampasan yang layak diperoleh pemilik kereta total loss berdasarkan nilai yang diinsuranskan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-total-loss-berapa-nilai-pampasan-anda-layak-dapat\" \/>\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=\"2023-05-10T06:37:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-15T07:21:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/BLOG-BM-A57.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\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=\"3 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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