{"id":46379,"date":"2024-03-01T17:20:25","date_gmt":"2024-03-01T09:20:25","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46379"},"modified":"2025-07-11T14:58:31","modified_gmt":"2025-07-11T06:58:31","slug":"insurans-kereta-ditolak","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak","title":{"rendered":"Ikut Cara Ini Kalau Tuntutan Insurans Kereta Anda Ditolak"},"content":{"rendered":"\n<p>Kemalangan jalan raya kadangkala tidak dapat dielakkan, walaupun anda mematuhi langkah keselamatan.&nbsp;Nasib baik, anda mempunyai&nbsp;<a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> yang boleh membantu melindungi kerosakan kenderaan anda.<\/p>\n\n\n\n<p>Tetapi bagaimana jika tuntutan insurans anda ditolak?<\/p>\n\n\n\n<p>Ya, syarikat insurans anda boleh menafikan tuntutan anda.<\/p>\n\n\n\n<p>Tetapi jangan panik.&nbsp;Tuntutan insurans yang kena tolak tidak semestinya akan menjadi penamat kepada masalah anda. Tetapi kalau tuntutan anda kena tolak apa yang boleh anda lakukan dalam keadaan sedemikian?&nbsp;Ketahui dalam artikel ini perkara yang boleh anda lakukan apabila tuntutan anda ditolak.<\/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-69f037f7b502e\" 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-69f037f7b502e\"><\/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\/insurans-kereta-ditolak\/#Apakah_penafian_tuntutan_insurans\" title=\"Apakah penafian tuntutan insurans?\">Apakah penafian tuntutan insurans?<\/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\/insurans-kereta-ditolak\/#Mengapa_tuntutan_insurans_anda_ditolak\" title=\"Mengapa tuntutan insurans anda ditolak?\">Mengapa tuntutan insurans anda ditolak?<\/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\/insurans-kereta-ditolak\/#Apa_yang_boleh_anda_lakukan_apabila_tuntutan_insurans_anda_ditolak\" title=\"Apa yang boleh anda lakukan apabila tuntutan insurans anda ditolak?\">Apa yang boleh anda lakukan apabila tuntutan insurans anda ditolak?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak\/#Berbincang_dengan_ejen_insurans_anda\" title=\"Berbincang dengan ejen insurans anda\">Berbincang dengan ejen insurans anda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak\/#Dapatkan_penjelasan_daripada_bahagian_tuntutan\" title=\"Dapatkan penjelasan daripada bahagian tuntutan\">Dapatkan penjelasan daripada bahagian tuntutan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak\/#Dapatkan_peguam\" title=\"Dapatkan peguam\">Dapatkan peguam<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak\/#Dapatkan_bantuan_daripada_pihak_yang_berkaitan\" title=\"Dapatkan bantuan daripada pihak yang berkaitan\">Dapatkan bantuan daripada pihak yang berkaitan<\/a><\/li><\/ul><\/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\/insurans-kereta-ditolak\/#Ambil_langkah_yang_perlu_untuk_merayu_keputusan_syarikat_insurans_anda\" title=\"Ambil langkah yang perlu untuk merayu keputusan syarikat insurans anda\">Ambil langkah yang perlu untuk merayu keputusan syarikat insurans anda<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_penafian_tuntutan_insurans\"><\/span>Apakah penafian tuntutan insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201cPenolakan\u201d dalam konteks ini bermaksud penolakan&nbsp;tuntutan insurans.&nbsp;Dalam kes ini, syarikat insurans memberitahu anda bahawa ia tidak akan menampung kos kerosakan kenderaan anda.&nbsp;Dalam kes lain, syarikat mungkin memberitahu anda bahawa mereka tidak akan membayar sepenuhnya.<\/p>\n\n\n\n<p>Bersama-sama dengan penolakan tuntutan, syarikat insurans anda akan memberi anda surat rasmi atau penyata yang memperincikan mengapa tuntutan anda ditolak.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Mengapa_tuntutan_insurans_anda_ditolak\"><\/span>Mengapa tuntutan insurans anda ditolak?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img data-attachment-id=\"46380\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak\/attachment\/photo1646195917-1-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-1.webp?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=\"photo1646195917-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-1.webp?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-1.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\/03\/photo1646195917-1.webp?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-46380\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-1.webp?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-1.webp?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-1.webp?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-1.webp?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Terdapat sebab atau situasi di mana tuntutan <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> anda boleh ditolak.&nbsp;Anda boleh merujuk artikel kami sebelum ini untuk mendapatkan maklumat lanjut: Mengapa Tuntutan Insurans Kereta Anda Mungkin Ditolak.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_yang_boleh_anda_lakukan_apabila_tuntutan_insurans_anda_ditolak\"><\/span>Apa yang boleh anda lakukan apabila tuntutan insurans anda ditolak?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Berikut ialah beberapa langkah yang perlu dipertimbangkan dalam merayu keputusan tuntutan insurans.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Berbincang_dengan_ejen_insurans_anda\"><\/span>Berbincang dengan ejen insurans anda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img data-attachment-id=\"46381\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak\/attachment\/photo1646195917-2-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-2.webp?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=\"photo1646195917-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-2.webp?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-2.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\/03\/photo1646195917-2.webp?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-46381\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-2.webp?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-2.webp?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-2.webp?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-2.webp?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Ejen insurans memainkan peranan penting dalam memudahkan proses tuntutan anda.&nbsp;Anda boleh berbincang dengan ejen anda untuk mendapatkan penjelasan tentang sebab tuntutan anda ditolak.&nbsp;Kenal pasti sebab-sebabnya dan pastikan anda memahami sebab-sebab tersebut.<\/p>\n\n\n\n<p>Kadangkala, ralat mungkin berpunca dari pihak anda.&nbsp;Ralat mungkin termasuk dokumentasi yang tidak lengkap atau tiada, yang boleh melambatkan tuntutan anda.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Dapatkan_penjelasan_daripada_bahagian_tuntutan\"><\/span>Dapatkan penjelasan daripada bahagian tuntutan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika anda tidak mempunyai ejen, anda boleh menghubungi bahagian tuntutan untuk mendapatkan penjelasan mengenai penafian insurans anda.<\/p>\n\n\n\n<p>Penanggung insurans anda mungkin boleh memberi anda penjelasan menyeluruh tentang perkara itu.&nbsp;Tanya sama ada anda boleh merayu atau mempertikaikan keputusan yang diberikan oleh syarikat insurans.<\/p>\n\n\n\n<p>Anda juga boleh memfailkan aduan rasmi kepada unit aduan.&nbsp;Anda perlu menyediakan dokumen sokongan yang diperlukan.&nbsp;Sebagai nota sampingan, sila pastikan anda menyimpan salinan dokumen.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Dapatkan_peguam\"><\/span>Dapatkan peguam<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img data-attachment-id=\"46382\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak\/attachment\/photo1646195917-3-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-3-1.webp?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=\"photo1646195917-3 (1)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-3-1.webp?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-3-1.webp?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-3-1.webp?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-46382\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-3-1.webp?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-3-1.webp?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-3-1.webp?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/photo1646195917-3-1.webp?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Jika masih tiada jawapan walaupun aduan anda kepada unit aduan syarikat insurans, anda boleh berunding dengan peguam untuk membantu anda.&nbsp;Anda mungkin akan mendapat semakan undang-undang untuk kes anda yang ditolak oleh peguam.&nbsp;Tetapi sila pastikan anda berunding dengan peguam yang betul;&nbsp;bercakap dengan peguam yang mempunyai kepakaran dalam bidang tersebut.&nbsp;Contohnya, dapatkan peguam tertentu yang pakar dalam hal berkaitan insurans.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Dapatkan_bantuan_daripada_pihak_yang_berkaitan\"><\/span>Dapatkan bantuan daripada pihak yang berkaitan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Anda juga boleh mengemukakan aduan anda kepada pihak yang berkaitan dengan maklumat dan dokumen yang berkaitan untuk pertimbangan mereka untuk menjalankan siasatan.<\/p>\n\n\n\n<ul><li>Pusat Maklumat PIAM<\/li><\/ul>\n\n\n\n<p>Rujuk Persatuan Insurans Am Malaysia atau Persatuan Insurans Am Malaysia (PIAM) untuk tuntutan insurans am atau berkaitan takaful.<\/p>\n\n\n\n<ul><li>Ombudsman untuk Perkhidmatan Kewangan<\/li><\/ul>\n\n\n\n<p>Ombudsman untuk Perkhidmatan Kewangan (OFS) ialah saluran penyelesaian pertikaian alternatif untuk menyelesaikan aduan antara Penyedia Perkhidmatan Kewangan dan pelanggan masing-masing.<\/p>\n\n\n\n<p>Walau bagaimanapun, sila ambil perhatian bahawa terdapat beberapa syarat yang mesti anda ikuti jika anda ingin memfailkan aduan sama ada kepada PIAM atau OFS:<\/p>\n\n\n\n<ul><li>Polisi insurans anda adalah dengan syarikat yang merupakan ahli PIAM atau Ombudsman untuk Perkhidmatan Kewangan (OFS).&nbsp;Semua ahli PIAM adalah ahli OFS.<\/li><\/ul>\n\n\n\n<ul><li>Anda dan syarikat insurans anda telah gagal mencapai persetujuan dan ia adalah dalam tempoh enam bulan dari keputusan muktamad pihak pengurusan kanan.<\/li><li>Anda belum memulakan prosiding undang-undang.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Ambil_langkah_yang_perlu_untuk_merayu_keputusan_syarikat_insurans_anda\"><\/span>Ambil langkah yang perlu untuk merayu keputusan syarikat insurans anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Penafian tuntutan boleh berlaku dalam keadaan tertentu.&nbsp;Jika anda rasa ia tidak adil, anda boleh mengambil langkah untuk merayu keputusan syarikat insurans.&nbsp;Anda juga boleh mendapatkan bantuan pakar atau memfailkan aduan anda sebagai pilihan terakhir anda.<\/p>\n\n\n\n<p>Kami berharap artikel ini dapat membantu anda apabila menghadapi penolakan tuntutan insurans.<\/p>\n\n\n\n<p>Sebagai peringatan, sila ambil perhatian juga bahawa memandu tanpa&nbsp;insurans kereta&nbsp;yang sah adalah menyalahi undang-undang dan boleh menyebabkan anda menghadapi masalah.&nbsp;Tanpa insurans yang sah, anda tidak mungkin memohon&nbsp;tuntutan insurans pada mulanya.<\/p>\n\n\n\n<p>Oleh itu, sentiasa pastikan insurans kenderaan anda sah untuk digunakan.<\/p>\n\n\n\n<p>Anda hanya boleh melawat Bjak untuk memperbaharui insurans anda.&nbsp;Mulakan dengan mendapatkan sebut <a href=\"https:\/\/bjak.my\/blog\/senarai-harga-insuran-kereta-ikut-cc\/\">harga insurans kereta<\/a> percuma dalam masa 3 minit sahaja.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><em>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan sebut harga percuma di Bjak dan pilih pelan terbaik hari ini!<\/em><\/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=insurans-kereta-ditolak\">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\/fahami-lebihan-wajib-dalam-insurans-kereta\/\">Fahami Lebihan Wajib Dalam Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/prosedur-tuntut-insurans\/\">Ini Prosedur Nak Tuntut Insurans Kereta \u201cTotal Loss\u201d<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/kelebihan-insurans-kereta-online\/\">Kelebihan Beli Insurans Kereta Secara Online<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ketahui apa nak kena buat jika tuntutan insurans anda kena tolak. Baca artikel ini untuk tahu cara yang boleh dilakukan.<\/p>\n","protected":false},"author":23,"featured_media":46391,"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>Ikut Cara Ini Kalau Tuntutan Insurans Kereta Anda Ditolak<\/title>\n<meta name=\"description\" content=\"Ketahui apa nak kena buat jika tuntutan insurans anda kena tolak. Baca artikel ini untuk tahu cara yang boleh dilakukan.\" \/>\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\/insurans-kereta-ditolak\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ikut Cara Ini Kalau Tuntutan Insurans Kereta Anda Ditolak\" \/>\n<meta property=\"og:description\" content=\"Ketahui apa nak kena buat jika tuntutan insurans anda kena tolak. Baca artikel ini untuk tahu cara yang boleh dilakukan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak\" \/>\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=\"2024-03-01T09:20:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-11T06:58:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/Featured-Images-2-23_censored.jpg?fit=1708%2C1080&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\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=\"Aqmal Ezany\" \/>\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\/insurans-kereta-ditolak#primaryimage\",\"url\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/Featured-Images-2-23_censored.jpg?fit=1708%2C1080&ssl=1\",\"contentUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/Featured-Images-2-23_censored.jpg?fit=1708%2C1080&ssl=1\",\"width\":1708,\"height\":1080,\"caption\":\"tuntutan insurans ditolak - cover\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak\",\"name\":\"Ikut Cara Ini Kalau Tuntutan Insurans Kereta Anda Ditolak\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#primaryimage\"},\"datePublished\":\"2024-03-01T09:20:25+00:00\",\"dateModified\":\"2025-07-11T06:58:31+00:00\",\"description\":\"Ketahui apa nak kena buat jika tuntutan insurans anda kena tolak. Baca artikel ini untuk tahu cara yang boleh dilakukan.\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ikut Cara Ini Kalau Tuntutan Insurans Kereta Anda Ditolak\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/0fbfe18c8062441edf329594545282da\"},\"headline\":\"Ikut Cara Ini Kalau Tuntutan Insurans Kereta Anda Ditolak\",\"datePublished\":\"2024-03-01T09:20:25+00:00\",\"dateModified\":\"2025-07-11T06:58:31+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#webpage\"},\"wordCount\":744,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/Featured-Images-2-23_censored.jpg?fit=1708%2C1080&ssl=1\",\"keywords\":[\"BM\",\"insurans kereta\"],\"articleSection\":[\"Insurans Kereta\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/0fbfe18c8062441edf329594545282da\",\"name\":\"Aqmal Ezany\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/63c7a7a95f4e2a8c2331b88d7fe4b2ee?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/63c7a7a95f4e2a8c2331b88d7fe4b2ee?s=96&d=mm&r=g\",\"caption\":\"Aqmal Ezany\"},\"url\":\"https:\/\/bjak.my\/blog\/author\/sandipanbjak-my\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Ikut Cara Ini Kalau Tuntutan Insurans Kereta Anda Ditolak","description":"Ketahui apa nak kena buat jika tuntutan insurans anda kena tolak. Baca artikel ini untuk tahu cara yang boleh dilakukan.","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\/insurans-kereta-ditolak","og_locale":"en_US","og_type":"article","og_title":"Ikut Cara Ini Kalau Tuntutan Insurans Kereta Anda Ditolak","og_description":"Ketahui apa nak kena buat jika tuntutan insurans anda kena tolak. Baca artikel ini untuk tahu cara yang boleh dilakukan.","og_url":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2024-03-01T09:20:25+00:00","article_modified_time":"2025-07-11T06:58:31+00:00","og_image":[{"width":1708,"height":1080,"url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/Featured-Images-2-23_censored.jpg?fit=1708%2C1080&ssl=1","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"Aqmal Ezany","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\/insurans-kereta-ditolak#primaryimage","url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/Featured-Images-2-23_censored.jpg?fit=1708%2C1080&ssl=1","contentUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/Featured-Images-2-23_censored.jpg?fit=1708%2C1080&ssl=1","width":1708,"height":1080,"caption":"tuntutan insurans ditolak - cover"},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#webpage","url":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak","name":"Ikut Cara Ini Kalau Tuntutan Insurans Kereta Anda Ditolak","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#primaryimage"},"datePublished":"2024-03-01T09:20:25+00:00","dateModified":"2025-07-11T06:58:31+00:00","description":"Ketahui apa nak kena buat jika tuntutan insurans anda kena tolak. Baca artikel ini untuk tahu cara yang boleh dilakukan.","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Ikut Cara Ini Kalau Tuntutan Insurans Kereta Anda Ditolak"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/0fbfe18c8062441edf329594545282da"},"headline":"Ikut Cara Ini Kalau Tuntutan Insurans Kereta Anda Ditolak","datePublished":"2024-03-01T09:20:25+00:00","dateModified":"2025-07-11T06:58:31+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#webpage"},"wordCount":744,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-ditolak#primaryimage"},"thumbnailUrl":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/Featured-Images-2-23_censored.jpg?fit=1708%2C1080&ssl=1","keywords":["BM","insurans kereta"],"articleSection":["Insurans Kereta"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/0fbfe18c8062441edf329594545282da","name":"Aqmal Ezany","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/63c7a7a95f4e2a8c2331b88d7fe4b2ee?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/63c7a7a95f4e2a8c2331b88d7fe4b2ee?s=96&d=mm&r=g","caption":"Aqmal Ezany"},"url":"https:\/\/bjak.my\/blog\/author\/sandipanbjak-my"}]}},"jetpack_featured_media_url":"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/Featured-Images-2-23_censored.jpg?fit=1708%2C1080&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/46379"}],"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\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=46379"}],"version-history":[{"count":3,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/46379\/revisions"}],"predecessor-version":[{"id":49173,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/46379\/revisions\/49173"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/46391"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=46379"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=46379"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=46379"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}