{"id":46804,"date":"2024-04-15T18:42:47","date_gmt":"2024-04-15T10:42:47","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=46804"},"modified":"2025-07-10T19:28:53","modified_gmt":"2025-07-10T11:28:53","slug":"kesan-kemalangan-terhadap-premium-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kesan-kemalangan-terhadap-premium-insurans-kereta","title":{"rendered":"Kesan Kemalangan Terhadap Premium Insurans Kereta"},"content":{"rendered":"\n<p><a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">Insurans kereta<\/a> ialah perlindungan utama anda, menyediakan jaring keselamatan yang memastikan anda tidak terkandas selepas kemalangan. Sebagai pertukaran untuk premium, syarikat insurans menjamin perlindungan seperti yang dinyatakan dalam&nbsp;polisi kereta&nbsp;anda. <\/p>\n\n\n\n<p>Tapi tunggu dulu, sebelum anda panik dan failkan tuntutan secara melulu, perlu diingat bahawa dengan berbuat demikian, ia boleh memberi kesan kepada <a href=\"https:\/\/bjak.my\/blog\/maksud-premium-dalam-insurans-kereta\/\">premium insurans kereta<\/a> anda. Jadi, teruskan membaca untuk mengetahui tentang kesan kemalangan kereta pada premium insurans kereta anda.<\/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-69e0d7db7ea05\" 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-69e0d7db7ea05\"><\/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\/kesan-kemalangan-terhadap-premium-insurans-kereta\/#Adakah_kemalangan_akan_meningkatkan_premium_insurans_kereta\" title=\"Adakah kemalangan akan meningkatkan premium insurans kereta?\">Adakah kemalangan akan meningkatkan premium insurans kereta?<\/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\/kesan-kemalangan-terhadap-premium-insurans-kereta\/#Diskaun_Tanpa_Tuntutan_NCD\" title=\"Diskaun Tanpa Tuntutan (NCD)\">Diskaun Tanpa Tuntutan (NCD)<\/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\/kesan-kemalangan-terhadap-premium-insurans-kereta\/#Kemalangan_saman_yang_kerap\" title=\"Kemalangan &amp; saman yang kerap\">Kemalangan &amp; saman yang kerap<\/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\/kesan-kemalangan-terhadap-premium-insurans-kereta\/#Berhati-hati_apabila_anda_membuat_tuntutan\" title=\"Berhati-hati apabila anda membuat tuntutan\">Berhati-hati apabila anda membuat tuntutan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Adakah_kemalangan_akan_meningkatkan_premium_insurans_kereta\"><\/span>Adakah kemalangan akan meningkatkan premium insurans kereta?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Malangnya, YA. Apabila anda memfailkan tuntutan, kemungkinan besar kadar&nbsp;insurans kereta&nbsp;anda akan meningkat. Selain itu, anda boleh mengucapkan selamat tinggal kepada Diskaun Tanpa Tuntutan (NCD) anda. Walaupun, tahap kerosakan pada NCD anda bergantung pada jenis tuntutan yang anda buat.<\/p>\n\n\n\n<p>Jika anda didapati bersalah atas kemalangan kereta, premium insurans kereta anda boleh melambung tinggi pada pembaharuan anda yang seterusnya.<\/p>\n\n\n\n<p>Jenis tuntutan ini, yang dikenali sebagai&nbsp;<strong>&#8220;tuntutan kesalahan<\/strong>&nbsp;,&#8221; ditambahkan pada rekod insurans anda apabila anda dianggap bertanggungjawab atas kemalangan itu disebabkan kecuaian anda &#8211; seperti melanggar kereta lain atau merosakkan kenderaan anda dengan berlanggar dengan objek di jalan raya. Tetapi jangan risau \u2013 tidak semua tuntutan akan mempunyai kesan yang sama pada premium anda.<\/p>\n\n\n\n<p>Jika kemalangan itu bukan salah anda, contohnya, anda mungkin boleh membuat &#8221;&nbsp;<strong>tuntutan tanpa kesalahan&#8221;<\/strong>&nbsp;tanpa sebarang akibat negatif pada kadar anda.<\/p>\n\n\n\n<p>Pada asasnya, ini bermakna bahawa kesalahan terletak sepenuhnya pada pihak lain yang terlibat. Contohnya, jika kereta anda tidak bersalah dan dilanggar oleh pemandu laju atau pelanggar peraturan, anda berpotensi memfailkan tuntutan dengan syarikat insurans pemandu lain. Dengan cara itu, syarikat insurans mereka boleh menguruskan perbelanjaan anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Diskaun_Tanpa_Tuntutan_NCD\"><\/span>Diskaun Tanpa Tuntutan (NCD)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kadar NCD anda akan meningkat dari semasa ke semasa, yang bermakna anda akan membayar lebih sedikit untuk premium insurans kereta anda. Tetapi berhati-hati, jika anda mengalami kemalangan dan membuat tuntutan salah, tahun NCD anda boleh terjejas. Akibatnya, anda mungkin akan melihat peningkatan asas dalam premium anda.<\/p>\n\n\n\n<p>Jangan risau. Anda masih boleh mendapat manfaat daripada NCD anda walaupun anda membuat tuntutan kerosakan tanpa kesalahan atau tuntutan cermin depan (dengan perlindungan tambahan). Perlu diingat bahawa NCD anda digunakan selepas premium anda dikira. Jadi, walaupun ia tidak akan hilang tetapi kos keseluruhan anda mungkin masih meningkat.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kemalangan_saman_yang_kerap\"><\/span>Kemalangan &amp; saman yang kerap<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika anda pernah terlibat dalam beberapa kemalangan kereta atau anda mempunyai tabiat melanggar peraturan lalu lintas, anda lebih berkemungkinan dianggap sebagai pemandu berisiko tinggi. Ini bermakna anda perlu membayar premium yang lebih tinggi kerana penanggung insurans melihat anda sebagai liabiliti. Sebaliknya, jika anda seorang pemandu yang selamat dan bertanggungjawab dengan rekod pemanduan yang bersih, anda boleh mengharapkan untuk membayar lebih sedikit untuk&nbsp;insurans kereta&nbsp;anda. Jadi, pandu dengan selamat dan saksikan premium itu jatuh!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berhati-hati_apabila_anda_membuat_tuntutan\"><\/span>Berhati-hati apabila anda membuat tuntutan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Kadang-kadang ia perlu untuk membuat tuntutan insurans, tetapi berhati-hati untuk tidak melampaui batas! Jika anda mula memfailkan terlalu banyak tuntutan, syarikat insurans anda mungkin akan ketakutan.<\/p>\n\n\n\n<p>Mereka mungkin menaikkan kadar anda atau menolak apabila tiba masanya untuk memperbaharui <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> anda. Jadi, perhatikan tuntutan anda dan pastikan anda hanya menggunakan perlindungan anda apabila anda benar-benar memerlukannya!<\/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=kesan-kemalangan-terhadap-premium-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\/sebab-tuntutan-insurans-anda-ditolak\/\">Sebab Tuntutan Insurans Kereta Anda Ditolak<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/5-perkara-yang-perlu-anda-tahu-sebelum-membuat-tuntutan-insurans\/\">5 Perkara Yang Perlu Anda Tahu Sebelum Membuat Tuntutan Insurans<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/risiko-pemandu-adakah-anda-pemandu-berisiko-tinggi-atau-rendah\/\">Risiko Pemandu: Adakah Anda Pemandu Berisiko Tinggi Atau Rendah?&nbsp;<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Kemalangan boleh menyebabkan premium insurans kereta anda melonjak? Baca artikel ini untuk mendapatkan jawapan yang tepat.<\/p>\n","protected":false},"author":23,"featured_media":46841,"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>Kesan Kemalangan Terhadap Premium Insurans Kereta<\/title>\n<meta name=\"description\" content=\"Kemalangan boleh menyebabkan premium insurans kereta anda melonjak? 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