{"id":47241,"date":"2024-06-04T09:59:53","date_gmt":"2024-06-04T01:59:53","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47241"},"modified":"2025-07-10T18:47:17","modified_gmt":"2025-07-10T10:47:17","slug":"cara-kalau-tuntutan-insurans-kereta-kena-tolak","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kalau-tuntutan-insurans-kereta-kena-tolak","title":{"rendered":"Ikut Cara Ini Kalau Tuntutan Insurans Kereta Anda Kena Tolak"},"content":{"rendered":"\n<p>Terdapat pelbagai risiko ketika memandu di jalan raya. Walaupun anda telah memandu dengan berhati-hati dan mematuhi undang-undang jalan raya, ia tidak bermakna anda boleh terselamat daripada sebarang kemalangan yang tidak dijangka. Ada kalanya orang lain boleh menjadi punca kemalangan yang melibatkan anda. Tetapi, mujurlah <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> wujud untuk membantu meringankan beban kewangan, kerana syarikat insurans akan menanggung kerugian atau kerosakan yang anda dialami kereta anda itu.<\/p>\n\n\n\n<p>Persoalannya, bagaimanakah jika syarikat insurans anda menafikan tuntutan insurans anda? Jangan panik lagi! Ini kerana tuntutan ditolak tidak bermakna kes anda berakhir begitu sahaja. Jadi, artikel ini akan jelaskan kepada anda berkenaan perkara yang boleh anda lakukan sekiranya tuntutan anda gagal.<\/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-69eff9cf51202\" 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-69eff9cf51202\"><\/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\/cara-kalau-tuntutan-insurans-kereta-kena-tolak\/#Apakah_maksud_tuntutan_insurans_ditolak\" title=\"Apakah maksud tuntutan insurans ditolak?\">Apakah maksud tuntutan insurans ditolak?<\/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\/cara-kalau-tuntutan-insurans-kereta-kena-tolak\/#Perkara_yang_boleh_anda_lakukan_jika_tuntutan_insurans_anda_ditolak\" title=\"Perkara yang boleh anda lakukan jika tuntutan insurans anda ditolak\">Perkara yang boleh anda lakukan jika 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-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kalau-tuntutan-insurans-kereta-kena-tolak\/#1_Bincang_dengan_ejen_insurans_anda\" title=\"1. Bincang dengan ejen insurans anda\">1. Bincang 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-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kalau-tuntutan-insurans-kereta-kena-tolak\/#2_Rujuk_bahagian_tuntutan\" title=\"2. Rujuk bahagian tuntutan\">2. Rujuk bahagian tuntutan<\/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\/cara-kalau-tuntutan-insurans-kereta-kena-tolak\/#3_Rujuk_peguam\" title=\"3. Rujuk peguam\">3. Rujuk peguam<\/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\/cara-kalau-tuntutan-insurans-kereta-kena-tolak\/#4_Dapatkan_bantuan_daripada_organisasi_berkaitan\" title=\"4. Dapatkan bantuan daripada organisasi berkaitan\">4. Dapatkan bantuan daripada organisasi berkaitan<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apakah_maksud_tuntutan_insurans_ditolak\"><\/span>Apakah maksud tuntutan insurans ditolak?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara ringkasnya, tuntutan insurans ditolak ini bermaksud syarikat insurans tidak akan menanggung kos kerosakan kenderaan anda, atau tidak akan membayar jumlah yang penuh. Apabila syarikat insurans anda memutuskan untuk menolak tuntutan anda, mereka akan menghantar surat rasmi kepada anda yang akan menerangkan berkenaan sebab tuntutan anda itu ditolak.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perkara_yang_boleh_anda_lakukan_jika_tuntutan_insurans_anda_ditolak\"><\/span>Perkara yang boleh anda lakukan jika 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-full\"><img data-attachment-id=\"47242\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kalau-tuntutan-insurans-kereta-kena-tolak\/attachment\/nurul_a7_featuredimage-02-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/05\/Nurul_A7_FeaturedImage-02-1.webp?fit=1024%2C576&amp;ssl=1\" data-orig-size=\"1024,576\" 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=\"Nurul_A7_FeaturedImage-02-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/05\/Nurul_A7_FeaturedImage-02-1.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/05\/Nurul_A7_FeaturedImage-02-1.webp?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/05\/Nurul_A7_FeaturedImage-02-1.webp?resize=1024%2C576&#038;ssl=1\" alt=\"\" class=\"wp-image-47242\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/05\/Nurul_A7_FeaturedImage-02-1.webp?w=1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/05\/Nurul_A7_FeaturedImage-02-1.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/05\/Nurul_A7_FeaturedImage-02-1.webp?resize=768%2C432&amp;ssl=1 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Bincang_dengan_ejen_insurans_anda\"><\/span>1. Bincang dengan ejen insurans anda<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Anda boleh berbincang dengan ejen insurans anda untuk mengetahui sebab tuntutan insurans anda ditolak. Kadangkala, masalah mungkin datang daripada fail anda tidak lengkap atau tiada.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Rujuk_bahagian_tuntutan\"><\/span>2. Rujuk bahagian tuntutan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika anda tidak mempunyai ejen insurans, anda boleh terus menghubungi bahagian tuntutan syarikat insurans untuk mengetahui berapa banyak pampasan yang akan dibayar oleh syarikat. Berikan penjelasan berkenaan mengapa tuntutan anda perlu diterima dan anda kemudian boleh merayu atau mencabar keputusan syarikat insurans.<\/p>\n\n\n\n<p>Sebagai alternatif, anda boleh membuat aduan kepada bahagian aduan. Syarikat insurans mungkin akan meminta anda mengemukakan beberapa bukti dan menyimpan salinan dokumen tersebut.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Rujuk_peguam\"><\/span>3. Rujuk peguam<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika anda masih tidak mendapat maklum balas selepas membuat aduan kepada bahagian aduan syarikat insurans, anda mungkin ingin berunding dengan peguam untuk mencari peguam yang sesuai dan profesional, terutamanya yang pakar dalam hal insurans.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Dapatkan_bantuan_daripada_organisasi_berkaitan\"><\/span>4. Dapatkan bantuan daripada organisasi berkaitan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Anda juga boleh mengemukakan aduan anda kepada organisasi yang berkaitan dan menyerahkan maklumat serta dokumen yang berkaitan untuk semakan mereka.<\/p>\n\n\n\n<p><strong>Pusat Maklumat PIAM<\/strong><\/p>\n\n\n\n<p>Anda boleh melayari laman web Persatuan Insurans Am Malaysia (PIAM) untuk bertanyakan tentang insurans atau kiriman wang.<\/p>\n\n\n\n<p><strong>Ombudsman untuk Perkhidmatan Kewangan (OFS)<\/strong><\/p>\n\n\n\n<p>Selain itu, anda juga boleh mendapatkan bantuan daripada OFS, pengawal selia kewangan bebas di bawah Bank Negara Malaysia.<\/p>\n\n\n\n<p>Walau bagaimanapun, perlu diingat bahawa jika anda ingin memfailkan aduan dengan kedua-dua organisasi ini, anda mesti memenuhi syarat berikut:<\/p>\n\n\n\n<p>\u2013 Syarikat insurans anda mestilah ahli PIAM atau OFS.<\/p>\n\n\n\n<p>\u2013 Anda dan syarikat insurans anda tidak dapat mencapai persetujuan dalam tempoh 6 bulan selepas keputusan muktamad pengurusan kanan.<\/p>\n\n\n\n<p>\u2013 Anda belum memulakan prosiding undang-undang.<\/p>\n\n\n\n<p>Semoga perkongsian di atas dapat membantu anda sekiranya tuntutan insurans kereta anda ditolak. Sudah tentu, jangan lupa untuk melakukan apa yang anda katakan apabila anda ingin mendapatkan perlindungan.<\/p>\n\n\n\n<p>Untuk mengemaskini insurans kereta dan cukai jalan anda, anda boleh memilih untuk menggunakan Bjak, platform <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> dalam talian terbesar di Malaysia. Di sini, anda boleh mendapatkan <a href=\"https:\/\/bjak.my\/en\">quotation insurans kereta<\/a> daripada 23 syarikat insurans dan memilih pakej insurans yang sesuai mengikut keperluan dan bajet anda. Selepas pembayaran, insurans kereta akan berkuat kuasa serta-merta. Layari Bjak.my hari ini untuk mengetahui lebih lanjut!<\/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=cara-kalau-tuntutan-insurans-kereta-kena-tolak\">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\/polisi-insuran-kereta-di-malaysia\/\">Jenis-Jenis Polisi Insuran Kereta Di Malaysia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/senarai-syarikat-insurans-kereta-di-malaysia\/\">Ini Senarai Syarikat Insurans Kereta Di Malaysia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-tukar-syarikat-insurans-kereta\/\">Cara Nak Tukar Syarikat Insurans Kereta<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Jangan risau jika tuntutan insurans kereta anda ditolak. Ketahui dengan lebih lanjut apa yang boleh anda buat dalam artikel ini.<\/p>\n","protected":false},"author":23,"featured_media":47262,"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 Kena Tolak<\/title>\n<meta name=\"description\" content=\"Jangan risau jika tuntutan insurans kereta anda ditolak. 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