{"id":47437,"date":"2024-07-09T11:33:06","date_gmt":"2024-07-09T03:33:06","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47437"},"modified":"2025-07-10T17:03:07","modified_gmt":"2025-07-10T09:03:07","slug":"kesilapan-semasa-failkan-tuntutan-insurans-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kesilapan-semasa-failkan-tuntutan-insurans-kereta","title":{"rendered":"Kesilapan Semasa Failkan Tuntutan Insurans Kereta"},"content":{"rendered":"\n<p>Semua pemilik kereta sudah pasti tahu berkenaan kepentingan <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a>, namun ada juga yang mungkin tidak memahami proses membuat tuntutan. Terdapat terlalu banyak kes di mana pemilik kereta mengadu bahawa tuntutan mereka ditolak atau pampasan yang mereka terima tidak mencukupi. Malah, perkara sebegini sering berlaku kerana mereka tidak memahami proses tuntutan sebenar atau melakukan kesilapan semasa proses penyerahan tuntutan.<\/p>\n\n\n\n<p>Oleh itu, kami berharap dengan berkongsi artikel ini, anda dapat mengelak daripada melakukan kesilapan semasa membuat tuntutan.<\/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-69d7b73b1fa5a\" 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-69d7b73b1fa5a\"><\/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\/kesilapan-semasa-failkan-tuntutan-insurans-kereta\/#Kesilapan_1_Lewat_melapor\" title=\"Kesilapan 1: Lewat melapor\">Kesilapan 1: Lewat melapor<\/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\/kesilapan-semasa-failkan-tuntutan-insurans-kereta\/#Kesilapan_2_Ambil_masa_terlalu_lama_untuk_failkan_tuntutan\" title=\"Kesilapan 2: Ambil masa terlalu lama untuk failkan tuntutan\">Kesilapan 2: Ambil masa terlalu lama untuk failkan tuntutan<\/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\/kesilapan-semasa-failkan-tuntutan-insurans-kereta\/#Kesilapan_3_Dokumen_tidak_lengkap\" title=\"Kesilapan 3: Dokumen tidak lengkap\">Kesilapan 3: Dokumen tidak lengkap<\/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\/kesilapan-semasa-failkan-tuntutan-insurans-kereta\/#Kesilapan_4_Melarikan_diri_dari_tempat_kejadian_selepas_kemalangan\" title=\"Kesilapan 4: Melarikan diri dari tempat kejadian selepas kemalangan\">Kesilapan 4: Melarikan diri dari tempat kejadian selepas kemalangan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Kesilapan_1_Lewat_melapor\"><\/span>Kesilapan 1: Lewat melapor<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Selepas kemalangan, jangan ambil masa terlalu lama untuk menghubungi syarikat insurans terlebih dahulu, sebaliknya, anda mesti melaporkan kemalangan itu kepada polis dalam masa 24 jam selepas kemalangan. Walaupun kemalangan itu berlaku pada hujung minggu, jangan tunggu sehingga hari bekerja berikutnya untuk menghubungi polis. Anda harus tahu bahawa selagi anda tidak melaporkan dalam tempoh 24 jam, syarikat insurans mempunyai sebab untuk menafikan tuntutan anda.<\/p>\n\n\n\n<p>Anda boleh menangguhkan laporan melainkan anda mempunyai surat perubatan rasmi yang membuktikan bahawa anda dimasukkan ke hospital atau memerlukan rawatan perubatan selepas kemalangan itu.<\/p>\n\n\n\n<p>Kadang-kadang, selepas kemalangan, pihak lain akan cuba meminta anda menyelesaikan perkara itu secara tertutup dan bukannya menghubungi polis. Malah, anda tidak sepatutnya bersetuju dengan perkara ini kerana adalah salah untuk gagal menghubungi polis selepas kemalangan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesilapan_2_Ambil_masa_terlalu_lama_untuk_failkan_tuntutan\"><\/span>Kesilapan 2: Ambil masa terlalu lama untuk failkan tuntutan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sama seperti menghubungi polis, anda mesti terlebih dahulu memberitahu syarika insurans anda tidak kira kemalangan itu kecil atau serius. Secara amnya, anda boleh mengemukakan tuntutan dalam masa 1 minggu (bersamaan dengan 7 hari) selepas kemalangan. Ingat, kegagalan mengemukakan tuntutan tepat pada masanya hanya akan meningkatkan risiko tuntutan anda ditolak.<\/p>\n\n\n\n<p>Apa yang berlaku jika syarikat insurans tidak dimaklumkan? Anda perlu menanggung kos membaiki kereta sendiri. Jika orang lain memfailkan tuntutan pihak ketiga dan syarikat insurans anda tidak mendengar khabar daripada anda, anda akan bertanggungjawab ke atas kerugian orang lain.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesilapan_3_Dokumen_tidak_lengkap\"><\/span>Kesilapan 3: Dokumen tidak lengkap<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika anda tidak menyerahkan semua dokumen sokongan yang diperlukan semasa memfailkan tuntutan, tuntutan anda akan ditolak secara automatik. Sememangnya, anda perlu mempunyai dokumen yang mencukupi untuk membuktikan anda tidak bersalah jika anda mahu syarikat insurans anda membuat tuntutan yang memihak kepada anda.<\/p>\n\n\n\n<p>Apakah bukti yang perlu dikemukakan? Paling penting, ambil gambar tempat kemalangan, kerosakan pada kereta, dan plat kereta terbabit. Di samping itu, anda juga memerlukan dokumen berikut:<\/p>\n\n\n\n<p>\u2013 Borang tuntutan yang lengkap diisi<\/p>\n\n\n\n<p>-Salinan asal laporan jenayah<\/p>\n\n\n\n<p>-Salinan kad pengenalan dan lesen memandu<\/p>\n\n\n\n<p>\u2013 Salinan sijil hak milik kenderaan<\/p>\n\n\n\n<p>\u2013 Laporan siasatan polis (memaklumkan pihak mana yang bertanggungjawab atas kemalangan itu)<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesilapan_4_Melarikan_diri_dari_tempat_kejadian_selepas_kemalangan\"><\/span>Kesilapan 4: Melarikan diri dari tempat kejadian selepas kemalangan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ia adalah perkara biasa untuk panik apabila kemalangan berlaku, tetapi jangan sesekali menggunakannya sebagai alasan untuk melarikan diri dari tempat kejadian. Ambil perhatian bahawa anda mesti mengambil gambar tempat kejadian untuk digunakan sebagai bukti untuk memfailkan tuntutan, dan bukannya melarikan diri dari tempat kejadian.<\/p>\n\n\n\n<p>Jika perlu, anda boleh mendapatkan fakta daripada saksi berhampiran tempat kejadian atau meminta kenyataan daripada mereka, yang seterusnya boleh membantu dalam kejayaan tuntutan anda.<\/p>\n\n\n\n<p>Jadi, jangan lupa <a href=\"https:\/\/bjak.my\/blog\/cara-check-insuran-kereta\/\">semak insurans kereta<\/a>, <a href=\"https:\/\/bjak.my\/blog\/cukai-jalan-jpj\/\">cukai jalan<\/a> dan tarikh luput lesen memandu anda. Untuk mengemaskini insurans kereta dan cukai jalan anda, sudah tentu anda harus memilih Bjak, platform insurans kereta dalam talian terbesar di Malaysia. Di sini anda boleh membandingkan sebut harga daripada 23 syarikat insurans sekaligus dan memilih pakej insurans yang sesuai mengikut keperluan dan bajet anda. Selepas pembayaran, insurans kereta akan berkuat kuasa serta-merta. Klik sahaja butang di bawah untuk ketahui 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=kesilapan-semasa-failkan-tuntutan-insurans-kereta\">Renew Online<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Baca juga:<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jika anda baru sahaja mengalami kemalangan, jangan buat kesilapan ini. Baca untuk tahu apakah kesilapan yang perlu dielakkan.<\/p>\n","protected":false},"author":23,"featured_media":47468,"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>Kesilapan Semasa Failkan Tuntutan Insurans Kereta<\/title>\n<meta name=\"description\" content=\"Jika anda baru sahaja mengalami kemalangan, jangan buat kesilapan ini. 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