{"id":44477,"date":"2023-12-22T18:22:25","date_gmt":"2023-12-22T10:22:25","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=44477"},"modified":"2025-07-14T12:33:47","modified_gmt":"2025-07-14T04:33:47","slug":"kemalangan-kenderaan-tiada-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kemalangan-kenderaan-tiada-insurans","title":{"rendered":"Kemalangan Dengan Kenderaan Yang Tiada Insurans? Ketahui Perkara Yang Perlu Dilakukan"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>Jalan raya boleh menjadi suatu tempat yang berbahaya dan sukar diramalkan kerana terdapat pelbagai kemungkinan yang boleh terjadi sehingga mengakibatkan kemalangan. Tetapi perkara itu akan dapat dipermudahkan dengan insurans.&nbsp;<\/p>\n\n\n\n<p>Namun begitu, bagaimana pula jika terlibat dengan kenderaan yang tiada insurans? Anda tahu ke apa yang perlu dibuat? Untuk mengetahui dengan lebih lanjut berkenaan perkara itu, teruskan membaca.<\/p>\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-69d19d49e7676\" 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-69d19d49e7676\"><\/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\/kemalangan-kenderaan-tiada-insurans\/#Bolehkah_anda_menuntut_ganti_rugi\" title=\"Bolehkah anda menuntut ganti rugi?\">Bolehkah anda menuntut ganti rugi?<\/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\/kemalangan-kenderaan-tiada-insurans\/#Apakah_yang_patut_anda_lakukan\" title=\"Apakah yang patut anda lakukan?\">Apakah yang patut anda lakukan?<\/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\/kemalangan-kenderaan-tiada-insurans\/#Ambil_beberapa_foto\" title=\"Ambil beberapa foto\">Ambil beberapa foto<\/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\/kemalangan-kenderaan-tiada-insurans\/#Ambil_maklum_nombor_plat_kereta\" title=\"Ambil maklum nombor plat kereta\">Ambil maklum nombor plat kereta<\/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\/kemalangan-kenderaan-tiada-insurans\/#Dapatkan_maklumat_hubungan_mereka\" title=\"Dapatkan maklumat hubungan mereka\">Dapatkan maklumat hubungan mereka<\/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\/kemalangan-kenderaan-tiada-insurans\/#Buat_laporan_polis\" title=\"Buat laporan polis\">Buat laporan polis<\/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\/kemalangan-kenderaan-tiada-insurans\/#Hubungi_syarikat_insurans_anda\" title=\"Hubungi syarikat insurans anda\">Hubungi syarikat insurans anda<\/a><\/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\/kemalangan-kenderaan-tiada-insurans\/#Bersedia_dengan_prosiding_undang-undang\" title=\"Bersedia dengan prosiding undang-undang\">Bersedia dengan prosiding undang-undang<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kemalangan-kenderaan-tiada-insurans\/#Adakah_anda_akan_kehilangan_Diskaun_Tanpa_Tuntutan_NCD_anda\" title=\"Adakah anda akan kehilangan Diskaun Tanpa Tuntutan (NCD) anda?\">Adakah anda akan kehilangan Diskaun Tanpa Tuntutan (NCD) anda?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kemalangan-kenderaan-tiada-insurans\/#Sentiasa_bersedia\" title=\"Sentiasa bersedia\">Sentiasa bersedia<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Bolehkah_anda_menuntut_ganti_rugi\"><\/span><strong>Bolehkah anda menuntut ganti rugi?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"44478\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kemalangan-kenderaan-tiada-insurans\/attachment\/what-to-do-after-a-car-accident-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/what-to-do-after-a-car-accident.webp?fit=768%2C512&amp;ssl=1\" data-orig-size=\"768,512\" 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=\"what-to-do-after-a-car-accident\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/what-to-do-after-a-car-accident.webp?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/what-to-do-after-a-car-accident.webp?fit=768%2C512&amp;ssl=1\" loading=\"lazy\" width=\"768\" height=\"512\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/what-to-do-after-a-car-accident.webp?resize=768%2C512&#038;ssl=1\" alt=\"\" class=\"wp-image-44478\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/what-to-do-after-a-car-accident.webp?w=768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/what-to-do-after-a-car-accident.webp?resize=300%2C200&amp;ssl=1 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Sudah tentu! Anda pastinya kurang bernasib baik jika terlibat dalam kemalangan dengan pemandu yang tidak mempunyai insurans. Namun begitu, anda mempunyai hak untuk menuntut pampasan ke atas kerosakan yang disebabkan daripada kemalangan. Walaupun pemandu tersebut tidak mempunyai insurans, anda boleh saman dirinya untuk memintanya bertanggungjawab ke atas tindakan mereka.<\/p>\n\n\n\n<p>Semestinya penting untuk mengumpul sebanyak mungkin maklumat tentang pemandu tersebut, seperti nama dan butiran cara nak hubungi mereka. Ini akan memudahkan anda untuk memfailkan tindakan undang-undang dan tuntutan ganti rugi ke atas kejadian yang menimpa anda.<\/p>\n\n\n\n<p>Sentiasa beringat bahawa prosesnya boleh menjadi rumit, jadi sebaiknya anda berundinglah dengan pengamal undang-undang yang boleh membimbing anda melalui proses tersebut serta membantu anda mendapatkan pampasan yang sepatutnya.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apakah_yang_patut_anda_lakukan\"><\/span><strong>Apakah yang patut anda lakukan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bayangkan situasi ini: Anda sedang memandu di jalan raya, tiba-tiba sebuah kereta muncul entah dari mana dan merempuh anda. Anda melangkah keluar dari kereta anda untuk menilai kerosakan dan bertukar maklumat, tetapi apabila anda meminta insurans mereka, mereka memberitahu anda bahawa mereka tidak mempunyai apa-apa insurans. Apa yang anda perlu buat sekarang? Kemalangan dengan kenderaan yang tidak ada insurans boleh menjadi perkara yang memeningkan kepala, tapi jangan risau. Kami akan beritahu anda cara untuk selesaikannya!<\/p>\n\n\n\n<p>Jika anda pernah berada dalam situasi ini, berikut ialah langkah yang perlu diambil bagi melindungi diri anda:<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Ambil_beberapa_foto\"><\/span><strong>Ambil beberapa foto<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ambil beberapa gambar kereta tersebut serta gambar kerosakan kereta anda. Bukti visual ini boleh menjadi berguna di kemudian hari.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Ambil_maklum_nombor_plat_kereta\"><\/span><strong>Ambil maklum nombor plat kereta<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Catatkan nombor plat kenderaan pemandu tersebut. Ini boleh membantu anda untuk mencari maklumat mengenai pemandu tersebut dalam sistem JPJ.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Dapatkan_maklumat_hubungan_mereka\"><\/span><strong>Dapatkan maklumat hubungan mereka<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Dapatkan nama penuh dan nombor telefon pemandu tersebut supaya anda boleh berhubung dengan mereka kemudian.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Buat_laporan_polis\"><\/span><strong>Buat laporan polis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Buat laporan polis dalam tempoh 24 jam selepas kemalangan. Ini akan dijadikan sebagai rekod rasmi berkenaan kejadian itu.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Hubungi_syarikat_insurans_anda\"><\/span><strong>Hubungi syarikat insurans anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Hubungi pembekal insurans anda secepat mungkin dan berikan mereka semua butiran kemalangan itu.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bersedia_dengan_prosiding_undang-undang\"><\/span><strong>Bersedia dengan prosiding undang-undang<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Malangnya, prosiding undang-undang mungkin diperlukan jika pemandu lain tidak ada insurans dan enggan membayar ganti rugi. Pastikan anda menyimpan semua bukti yang anda kumpulkan dan ketahui hak anda.<\/p>\n\n\n\n<p>Ingat, kemalangan berlaku, tetapi penting untuk bersedia dan tahu apa yang perlu dilakukan. Jangan panik dan ambil langkah ini untuk melindungi diri anda dan hak anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Adakah_anda_akan_kehilangan_Diskaun_Tanpa_Tuntutan_NCD_anda\"><\/span><strong>Adakah anda akan kehilangan Diskaun Tanpa Tuntutan (NCD) anda?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"44479\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kemalangan-kenderaan-tiada-insurans\/attachment\/woman-driving-having-headache-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/woman-driving-having-headache.webp?fit=1000%2C667&amp;ssl=1\" data-orig-size=\"1000,667\" 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=\"woman-driving-having-headache\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/woman-driving-having-headache.webp?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/woman-driving-having-headache.webp?fit=1000%2C667&amp;ssl=1\" loading=\"lazy\" width=\"1000\" height=\"667\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/woman-driving-having-headache.webp?resize=1000%2C667&#038;ssl=1\" alt=\"\" class=\"wp-image-44479\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/woman-driving-having-headache.webp?w=1000&amp;ssl=1 1000w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/woman-driving-having-headache.webp?resize=300%2C200&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/woman-driving-having-headache.webp?resize=768%2C512&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/12\/woman-driving-having-headache.webp?resize=930%2C620&amp;ssl=1 930w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Jawapannya adalah: MUNGKIN! Sesetengah syarikat mungkin mengurangkan diskaun tanpa tuntutan anda kerana tuntutan itu perlu dibayar oleh <a href=\"https:\/\/bjak.my\/blog\/can-an-insurance-company-refuse-to-insure-your-vehicle\/\">syarikat insurans kereta<\/a> anda kerana pemandu yang bersalah tidak ada insurans. Terdapat juga syarikat insurans lain di luar sana yang akan melindungi diskaun <a href=\"https:\/\/bjak.my\/blog\/ncd-fakta-kadar-ncd-cara-untuk-semak\/\">NCD insurans kereta<\/a> anda.<\/p>\n\n\n\n<p>Ambil langkah proaktif dan <a href=\"https:\/\/bjak.my\/blog\/4-perkara-penting-yang-perlu-anda-semak-pada-polisi-insurans-kereta-anda\/\">check polisi insurans kereta<\/a> anda untuk mengetahui sama ada bonus tanpa tuntutan anda dilindungi sekiranya berlaku kemalangan dengan pemandu yang tidak ada insurans.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Sentiasa_bersedia\"><\/span><strong>Sentiasa bersedia<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda tidak mungkin dapat agak apa yang bakal terjadi di jalan raya. Kemalangan boleh berlaku tanpa dijangka, dan kadangkala ia bukan pun salah anda. Itulah sebabnya penting untuk bersedia dan mengetahui hak anda.<\/p>\n\n\n\n<p>Jika anda pernah terlibat dalam kemalangan dengan kenderaan yang tidak ada <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a>, jangan panik. Anda masih boleh menuntut ganti rugi daripada pihak lain. Pastikan anda mengumpulkan semua maklumat yang diperlukan dan mengambil langkah yang diperlukan untuk memastikan anda menerima pampasan yang sepatutnya.<\/p>\n\n\n\n<p>Selain itu, adalah lebih baik untuk mempunyai perlindungan insurans dan cukai jalan yang sah sebelum memulakan perjalanan. Ia bukan sahaja akan menyelamatkan anda daripada sebarang kesalahan undang-undang, tetapi ia juga akan memudahkan anda memfailkan tuntutan insurans sekiranya sesuatu berlaku. Jadi, kekal selamat, memandu dengan bijak, dan jangan lupa untuk melindungi diri anda.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan sebut harga percuma di Bjak dan pilih pelan terbaik hari ini!<\/em><\/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=kemalangan-kenderaan-tiada-insurans\">Renew Online<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Baca juga: <\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-apa-yang-anda-perlu-tahu\/\">Insurans Kereta: Apa yang Anda Perlu Tahu<\/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\/fahami-jenis-jenis-polisi-insurans-kereta\/\">Fahami Jenis-jenis Polisi Insurans Kereta<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Kemalangan adalah suatu perkara yang boleh terjadi tanpa diduga. Ketahui hak anda jika kenderaan tanpa insurans langgar anda<\/p>\n","protected":false},"author":23,"featured_media":44481,"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],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kemalangan dengan kenderaan tiada insurans kereta? Ini cara nak buat<\/title>\n<meta name=\"description\" content=\"Kemalangan adalah suatu perkara yang boleh terjadi tanpa diduga. 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