{"id":45661,"date":"2024-01-22T17:20:13","date_gmt":"2024-01-22T09:20:13","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=45661"},"modified":"2025-07-15T18:35:30","modified_gmt":"2025-07-15T10:35:30","slug":"tuntut-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntut-insurans-kereta","title":{"rendered":"Boleh Ke Nak Tuntut Insurans Kereta Yang Tak Berkaitan Dengan Kemalangan?"},"content":{"rendered":"\n<p>Mana-mana individu yang memiliki kenderaan bermotor mesti membeli perlindungan&nbsp;<a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a>.&nbsp;Selain membenarkan pembaharuan cukai jalan, pembaharuan insurans juga menawarkan perlindungan kewangan kepada pemegang polisi.&nbsp;Contohnya adalah kejadian yang tidak diingini seperti kemalangan, kebakaran dan kecurian.<\/p>\n\n\n\n<p>Walau bagaimanapun, adakah <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> akan melindungi kerosakan kemalangan yang tidak berkaitan seperti kerosakan komponen kereta?<\/p>\n\n\n\n<p>Teruskan membaca untuk mengetahui lebih lanjut mengenai perkara 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-69e0282937bbb\" 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-69e0282937bbb\"><\/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\/tuntut-insurans-kereta\/#Pastikan_anda_faham_perlindungan_anda\" title=\"Pastikan anda faham perlindungan anda\">Pastikan anda faham perlindungan anda<\/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\/tuntut-insurans-kereta\/#Bolehkah_anda_menuntut_insurans_untuk_kerosakan_kemalangan_yang_tidak_berkaitan\" title=\"Bolehkah anda menuntut insurans untuk kerosakan kemalangan yang tidak berkaitan?\">Bolehkah anda menuntut insurans untuk kerosakan kemalangan yang tidak berkaitan?<\/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\/tuntut-insurans-kereta\/#SITUASI_A\" title=\"SITUASI A\">SITUASI A<\/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\/tuntut-insurans-kereta\/#SITUASI_B\" title=\"SITUASI B\">SITUASI B<\/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\/tuntut-insurans-kereta\/#Bagaimana_pula_dengan_keretakan_cermin_depan_retak_sendiri\" title=\"Bagaimana pula dengan keretakan cermin depan (retak sendiri)?\">Bagaimana pula dengan keretakan cermin depan (retak sendiri)?<\/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\/tuntut-insurans-kereta\/#Fahami_butiran_dalam_tuntutan_kerosakan_kereta\" title=\"Fahami butiran dalam tuntutan kerosakan kereta\">Fahami butiran dalam tuntutan kerosakan kereta<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pastikan_anda_faham_perlindungan_anda\"><\/span>Pastikan anda faham perlindungan anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tiga jenis polisi insurans dalam pasaran menyediakan perlindungan yang berbeza.&nbsp;Anda boleh merujuk kepada visual di bawah untuk maklumat lanjut:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"45670\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntut-insurans-kereta\/attachment\/70183-5\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/70183.webp?fit=854%2C854&amp;ssl=1\" data-orig-size=\"854,854\" 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=\"70183\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/70183.webp?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/70183.webp?fit=854%2C854&amp;ssl=1\" loading=\"lazy\" width=\"854\" height=\"854\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/70183.webp?resize=854%2C854&#038;ssl=1\" alt=\"\" class=\"wp-image-45670\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/70183.webp?w=854&amp;ssl=1 854w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/70183.webp?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/70183.webp?resize=768%2C768&amp;ssl=1 768w\" sizes=\"(max-width: 854px) 100vw, 854px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Merujuk kepada jadual, tiada polisi menyediakan perlindungan untuk kerosakan kemalangan yang tidak berkaitan.&nbsp;Ini termasuk&nbsp;insurans komprehensif&nbsp;juga.<\/p>\n\n\n\n<p><em>*Nota: Polisi komprehensif melindungi kerosakan yang&nbsp;<strong>semata-mata disebabkan oleh kemalangan<\/strong>.<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bolehkah_anda_menuntut_insurans_untuk_kerosakan_kemalangan_yang_tidak_berkaitan\"><\/span>Bolehkah anda menuntut insurans untuk kerosakan kemalangan yang tidak berkaitan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"45671\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntut-insurans-kereta\/attachment\/220307_a6-01-03-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/220307_A6-01-03.webp?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" 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=\"220307_A6-01-03\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/220307_A6-01-03.webp?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/220307_A6-01-03.webp?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/220307_A6-01-03.webp?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-45671\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/220307_A6-01-03.webp?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/220307_A6-01-03.webp?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/220307_A6-01-03.webp?resize=768%2C768&amp;ssl=1 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Justeru, bagi menjawab persoalan sama ada kereta yang rosak bukan disebabkan oleh kemalangan boleh&nbsp;<em>claim&nbsp;<\/em>insurans atau tidak, anda boleh fahaminya berdasarkan dua situasi ini:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"SITUASI_A\"><\/span><strong>SITUASI A<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Suzana memandu keretanya dan melanggar kenderaan lain (pihak ketiga) di lebuh raya.&nbsp;Akibatnya, kedua-dua kereta mengalami kerosakan.<\/p>\n\n\n\n<p>Kereta Suzana mengalami kerosakan pada bampar hadapan dan beberapa komponen lain.&nbsp;Manakala pihak ketiga pula mengalami kerosakan pada bonet belakang.<\/p>\n\n\n\n<p>Katakan jika Suzana ialah pemegang polisi komprehensif, Suzana dibenarkan membuat tuntutan daripada syarikat insuransnya untuk:<\/p>\n\n\n\n<ul><li>Tuntutan kerosakan sendiri<\/li><\/ul>\n\n\n\n<p>Suzana perlu menuntut Kerosakan Sendiri di bawah pelan polisinya kerana dia adalah pihak yang bersalah. Suzana akan kehilangan kelayakan NCDnya.<\/p>\n\n\n\n<ul><li>Tuntutan pihak ketiga<\/li><\/ul>\n\n\n\n<p>Pihak ketiga boleh menuntut kerosakan Pihak Ketiga di bawah pelan <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> Suzana untuk membaiki kerosakan keretanya.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"SITUASI_B\"><\/span><strong>SITUASI B<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kereta Suhaimi tiba-tiba rosak ketika memandu.&nbsp;Lantas dia memberhentikan keretanya di tepi jalan.&nbsp;Memandangkan Suhaimi adalah pemegang polisi insurans yang komprehensif, dia menghubungi syarikat insuransnya untuk mendapatkan bantuan perkhidmatan tunda untuk menghantar keretanya ke bengkel.<\/p>\n\n\n\n<p>Walaupun mendapat perkhidmatan tunda percuma, Suhaimi tidak boleh menuntut kerosakan keretanya.<\/p>\n\n\n\n<p>Inilah yang anda patut tahu:<\/p>\n\n\n\n<ol><li>Kebanyakan syarikat insurans menawarkan perkhidmatan tunda percuma (jarak terhad) kepada pemegang polisi komprehensif.&nbsp;Justeru, Suhaimi dibenarkan menerima perkhidmatan tunda daripada syarikat insuransnya walaupun kerosakan itu bukan disebabkan oleh kemalangan.<\/li><li>Kecuali untuk kerosakan yang berkaitan, pemegang polisi (termasuk&nbsp;perlindungan komprehensif) tidak boleh menuntut kerosakan kereta sendiri.<\/li><\/ol>\n\n\n\n<p><strong><em>*NOTA PENTING<\/em><\/strong><\/p>\n\n\n\n<p>Sekiranya berlaku kemalangan, anda perlu membuat laporan polis dalam masa 24 jam untuk memastikan anda mempunyai bukti.&nbsp;Anda perlu menyediakan laporan untuk membolehkan syarikat insurans membayar pampasan kepada anda (pemegang polisi) dan pihak yang terjejas.<\/p>\n\n\n\n<p>Sekiranya berlaku kerosakan sendiri, tidak perlu membuat laporan polis.&nbsp;Oleh itu, tiada sebab untuk memastikan syarikat insurans memberi pampasan kepada anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_pula_dengan_keretakan_cermin_depan_retak_sendiri\"><\/span>Bagaimana pula dengan keretakan cermin depan (retak sendiri)?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ini adalah kes yang berbeza.&nbsp;Anda boleh menuntut daripada syarikat insurans anda untuk menggantikan cermin depan yang retak.&nbsp;Tetapi, dengan syarat:<\/p>\n\n\n\n<ol><li>Anda adalah pemegang polisi yang komprehensif<\/li><li>Insurans anda masih sah<\/li><\/ol>\n\n\n\n<p><strong>Kadar NCD<\/strong><\/p>\n\n\n\n<p>Walau bagaimanapun, status kelayakan NCD anda bergantung pada:<\/p>\n\n\n\n<ul><li>Anda boleh menuntut insurans tanpa menjejaskan NCD anda jika anda mempunyai perlindungan cermin depan tambahan dalam polisi komprehensif anda<\/li><li>Anda boleh menuntut insurans walaupun anda tidak mempunyai perlindungan cermin depan tambahan dalam polisi komprehensif anda.&nbsp;Tetapi, anda akan kehilangan NCD anda (kembali kepada 0%).&nbsp;Premium insurans anda juga akan meningkat semasa pembaharuan insurans anda yang seterusnya.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Fahami_butiran_dalam_tuntutan_kerosakan_kereta\"><\/span>Fahami butiran dalam tuntutan kerosakan kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara ringkasnya, anda tidak boleh menuntut untuk membaiki kerosakan kereta anda melainkan ia disebabkan oleh kemalangan.<\/p>\n\n\n\n<p>Ini kerana keadaan kereta memang akan merosot dari semasa ke semasa.&nbsp;Oleh itu, menjadi tanggungjawab anda untuk menampung kos pembaikan.<\/p>\n\n\n\n<p>Oleh itu, sila tidak memahami perlindungan dalam polisi insurans anda dengan jelas.&nbsp;Memiliki perlindungan insurans tidak bermakna anda boleh menuntut apa-apa.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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=tuntut-insurans-kereta\">Renew Online<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Baca juga:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/tuntut-insurans-parkir\/\">Boleh Ke Nak Tuntut Insurans Kereta Jika Kena Langgar Masa Tengah Parkir?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/tarikh-luput-insurans\/\">Ini Cara Nak Tahu Tarikh Luput Insurans Kereta Anda<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/batal-insurans-kereta\/\">Cara Nak Batalkan Polisi Insuran Kereta Anda<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Adakah insurans kereta anda melindungi kemalangan yang tak berkaitan? Baca untuk ketahui lebih lanjut mengenainya.<\/p>\n","protected":false},"author":23,"featured_media":45693,"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>Tuntut Insurans Kereta Yang Tak Berkaitan Dengan Kemalangan?<\/title>\n<meta name=\"description\" content=\"Adakah insurans kereta anda melindungi kemalangan yang tak berkaitan? 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