{"id":46430,"date":"2024-03-05T16:50:50","date_gmt":"2024-03-05T08:50:50","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46430"},"modified":"2025-07-11T14:45:41","modified_gmt":"2025-07-11T06:45:41","slug":"tuntutan-insurans-kemalangan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-kemalangan","title":{"rendered":"Insurans Kenderaan: Berapa Banyak Tuntutan Insurans Kemalangan Yang Ada?"},"content":{"rendered":"\n<p>Tuntutan insurans melindungi pemilik kenderaan daripada beban kewangan yang timbul daripada kejadian yang tidak diingini seperti kemalangan, kecurian, dan bencana alam semula jadi.&nbsp;Oleh itu, adalah penting untuk anda mempunyai perlindungan insurans yang sesuai untuk mengelakkan membelanjakan wang anda sendiri untuk pembaikan.<\/p>\n\n\n\n<p>Walau bagaimanapun, terdapat pelbagai jenis tuntutan insurans kemalangan yang boleh dikemukakan oleh seseorang.&nbsp;Dalam artikel ini, kami akan menerangkan pelbagai jenis tuntutan yang boleh anda gunakan dan prosedur tuntutan am yang perlu anda ketahui.<\/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-69e4a1f56bf49\" 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-69e4a1f56bf49\"><\/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\/tuntutan-insurans-kemalangan\/#Tuntutan_Kerosakan_Sendiri\" title=\"Tuntutan Kerosakan Sendiri\">Tuntutan Kerosakan Sendiri<\/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\/tuntutan-insurans-kemalangan\/#Tuntutan_Kerosakan_Sendiri_Knock-for-Knock\" title=\"Tuntutan Kerosakan Sendiri Knock-for-Knock\">Tuntutan Kerosakan Sendiri Knock-for-Knock<\/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\/tuntutan-insurans-kemalangan\/#Kerosakan_cermin_depan\" title=\"Kerosakan cermin depan\">Kerosakan cermin depan<\/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\/tuntutan-insurans-kemalangan\/#Kerosakan_Harta_Pihak_Ketiga_TPPD\" title=\"Kerosakan Harta Pihak Ketiga (TPPD)\">Kerosakan Harta Pihak Ketiga (TPPD)<\/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\/tuntutan-insurans-kemalangan\/#Bagaimana_untuk_mengemukakan_tuntutan_insurans_kemalangan\" title=\"Bagaimana untuk mengemukakan tuntutan insurans kemalangan?\">Bagaimana untuk mengemukakan tuntutan insurans kemalangan?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-kemalangan\/#1_Dapatkan_bantuan\" title=\"1. Dapatkan bantuan\">1. Dapatkan bantuan<\/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\/tuntutan-insurans-kemalangan\/#2_Kumpul_bukti\" title=\"2. Kumpul bukti\">2. Kumpul bukti<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-kemalangan\/#3_Buat_laporan_polis\" title=\"3. Buat laporan polis\">3. Buat laporan polis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-kemalangan\/#4_Maklumkan_syarikat_insurans_anda\" title=\"4. Maklumkan syarikat insurans anda\">4. Maklumkan syarikat insurans anda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-kemalangan\/#5_Hantar_kenderaan_ke_bengkel_panel\" title=\"5. Hantar kenderaan ke bengkel panel\">5. Hantar kenderaan ke bengkel panel<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tuntutan_Kerosakan_Sendiri\"><\/span>Tuntutan Kerosakan Sendiri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kerosakan Sendiri atau Tuntutan Kerosakan Sendiri (OD) dikenakan jika kerosakan pada kenderaan anda disebabkan oleh kecuaian anda.&nbsp;Dalam erti kata lain, tuntutan OD merujuk kepada tuntutan kerugian atau kerosakan kereta anda daripada syarikat <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> anda.&nbsp;Anda hanya boleh memilih untuk tuntutan ini jika anda mempunyai perlindungan komprehensif.&nbsp;Polisi lain seperti pihak ketiga atau pihak ketiga, kebakaran dan kecurian tidak melindungi kerosakan pada kenderaan anda akibat kemalangan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tuntutan_Kerosakan_Sendiri_Knock-for-Knock\"><\/span>Tuntutan Kerosakan Sendiri <em>Knock-for-Knock<\/em><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tuntutan Kerosakan Sendiri <em>Knock-for-Knock<\/em> (OD-KFK) merujuk kepada tuntutan insurans daripada pihak ketiga melalui syarikat <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> anda. Seperti tuntutan OD, tuntutan ini hanya boleh dikemukakan dengan insurans komprehensif. Tuntutan OD-KFK ialah kaedah alternatif yang digunakan syarikat insurans untuk mempercepatkan proses tuntutan. Ia berfungsi di mana anda menyerahkan tuntutan melalui syarikat insurans anda, dan syarikat insurans akan menuntut semula kos pembaikan daripada syarikat insurans pihak ketiga.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kerosakan_cermin_depan\"><\/span>Kerosakan cermin depan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pemilik kenderaan yang membeli perlindungan cermin depan boleh menuntut ganti rugi pada cermin depan mereka. Syarikat insurans menawarkan pilihan penambahan cermin depan untuk premium tambahan bagi melindungi Diskaun Tanpa Tuntutan (NCD), yang akan terjejas untuk tuntutan cermin di bawah <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> standard. Pilihan penambahan untuk cermin depan biasanya hanya boleh digunakan sekali setahun. Jadi, jika anda merancang untuk membuat tuntutan lain pada tahun yang sama, beli semula penutup cermin depan untuk mengemukakan tuntutan lain.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kerosakan_Harta_Pihak_Ketiga_TPPD\"><\/span>Kerosakan Harta Pihak Ketiga (TPPD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kerosakan Harta Pihak Ketiga (TPPD) merujuk kepada tuntutan terhadap syarikat insurans pihak ketiga untuk kerosakan pada kenderaan dan harta benda anda akibat kecuaian pihak ketiga.&nbsp;Dapatkan pampasan untuk kerosakan pada kereta atau harta benda anda daripada kemalangan yang disebabkan oleh pihak lain dan kerugian kewangan lain seperti lebihan dan kehilangan penggunaan.&nbsp;TPPD ialah tuntutan insurans asas yang boleh anda gunakan jika anda tidak didapati bersalah atas kemalangan itu.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_untuk_mengemukakan_tuntutan_insurans_kemalangan\"><\/span>Bagaimana untuk mengemukakan tuntutan insurans kemalangan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Dapatkan_bantuan\"><\/span>1. Dapatkan bantuan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika anda terlibat dalam kemalangan, nilaikan kerosakan pada kenderaan anda.&nbsp;Hubungi syarikat insurans anda untuk menguruskan trak tunda jika kerosakan teruk.&nbsp;Hanya gunakan pengendali trak tunda pihak ketiga yang berdaftar dengan pembekal insurans anda.&nbsp;Ini adalah untuk mengelakkan anda daripada terpaksa membayar lebih untuk perkhidmatan tunda.&nbsp;Jika kereta anda masih boleh digunakan, bawa ke balai polis berhampiran untuk membuat laporan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Kumpul_bukti\"><\/span>2. Kumpul bukti<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Catatkan lokasi dan masa kemalangan sebelum membuat laporan polis.&nbsp;Dapatkan butiran peribadi seperti nama dan nombor telefon pihak yang terlibat dalam kemalangan itu.&nbsp;Ini berguna jika anda perlu menghubungi mereka untuk mengingatkan mereka supaya melaporkan kemalangan itu kepada polis.&nbsp;Selain itu, ambil gambar kemalangan, termasuk lokasi, kenderaan yang terlibat, kerosakan pada kereta anda (jika ada), cukai jalan dan kad pengenalan pihak ketiga di tempat kejadian.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Buat_laporan_polis\"><\/span>3. Buat laporan polis<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Seperti yang dinyatakan sebelum ini, jika kenderaan anda selamat digunakan, bawa ke balai polis berhampiran untuk melaporkan kemalangan.&nbsp;Jika tidak, tunggu bantuan trak tunda untuk membawanya ke balai polis.&nbsp;Ingat bahawa laporan polis mesti dibuat dalam tempoh 24 jam selepas kemalangan.&nbsp;Anda mungkin dikenakan denda kerana kelewatan melaporkan kejadian melebihi masa yang ditetapkan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Maklumkan_syarikat_insurans_anda\"><\/span>4. Maklumkan syarikat insurans anda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Maklumkan kepada syarikat insurans tentang kemalangan dalam tempoh tujuh (7) hari dari tarikh kemalangan.&nbsp;Anda dinasihatkan untuk mengemukakan tuntutan insurans kemalangan sebaik sahaja anda menerima laporan siasatan polis.&nbsp;Memandangkan penyiasatan polis mungkin mengambil masa sehingga 14 hari bekerja, syarikat insurans anda mungkin menasihatkan anda untuk mengemukakan tuntutan dahulu sementara menunggu polis mengemukakan laporan siasatan.&nbsp;Dalam kes ini, ikut nasihat syarikat insurans anda.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Hantar_kenderaan_ke_bengkel_panel\"><\/span>5. Hantar kenderaan ke bengkel panel<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Minta senarai lengkap bengkel panel kereta daripada syarikat insurans anda.&nbsp;Ini membantu anda mengenal pasti bengkel yang berdekatan dengan rumah anda.&nbsp;Hantar kenderaan anda ke pusat servis yang dipercayai.&nbsp;Pastikan kereta dibaiki dengan betul dan mekanik menggunakan alat ganti tulen sebagai pengganti.<\/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=tuntutan-insurans-kemalangan\">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\/cara-renew-insurans-kereta\/\">Cara Renew Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/\">Fahami Jenis-jenis Polisi Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">Insurans Kereta: Panduan Lengkap Untuk Pemilik Kenderaan<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Kenali jenis-jenis tuntutan insurans kemalangan dan prosedur am untuk pastikan tuntutan yang dikemukakan berjaya.<\/p>\n","protected":false},"author":23,"featured_media":46444,"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>Berapa Banyak Tuntutan Insurans Kemalangan Yang Ada?<\/title>\n<meta name=\"description\" content=\"Kenali jenis-jenis tuntutan insurans kemalangan dan prosedur am untuk pastikan tuntutan yang dikemukakan berjaya.\" \/>\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\/tuntutan-insurans-kemalangan\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Berapa Banyak Tuntutan Insurans Kemalangan Yang Ada?\" \/>\n<meta property=\"og:description\" content=\"Kenali jenis-jenis tuntutan insurans kemalangan dan prosedur am untuk pastikan tuntutan yang dikemukakan berjaya.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-kemalangan\" \/>\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=\"2024-03-05T08:50:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-11T06:45:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/03\/Featured-Images-1-26.png?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\/png\" \/>\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! 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