{"id":47591,"date":"2024-07-26T09:25:22","date_gmt":"2024-07-26T01:25:22","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47591"},"modified":"2025-07-10T16:33:35","modified_gmt":"2025-07-10T08:33:35","slug":"ketahui-sebab-tuntutan-insurans-kereta-ditolak","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/ketahui-sebab-tuntutan-insurans-kereta-ditolak","title":{"rendered":"Tuntutan Ditolak? Ketahui Sebab Tuntutan Insurans Kereta Ditolak"},"content":{"rendered":"\n<p>Rakan sekerja A terlibat dalam kemalangan jalan raya pada bulan lalu, tetapi tuntutannya kepada syarikat insurans itu gagal. Walau bagaimanapun, kita mesti faham bahawa walaupun tuntutan itu gagal, ia masih perlu untuk membeli <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a>. Ini kerana mengikut Akta Pengangkutan Jalan 1987, pemandu kenderaan mesti membeli insurans kereta, jika tidak, mereka akan didenda.<\/p>\n\n\n\n<p>Untuk membuat tuntutan yang berjaya, syarat dan kelayakan pada <a href=\"https:\/\/bjak.my\/blog\/11-perkara-penting-dalam-polisi-insurans-kereta-yang-perlu-anda-fahami\/\">polisi insuran kereta<\/a> mesti dipenuhi. Jika anda membeli insurans kereta Jenis 3 (insurans pihak ketiga), anda sememangnya perlu menanggung kos membaiki kereta sendiri sekiranya berlaku kemalangan kereta. Walau bagaimanapun, walaupun anda membeli insurans kereta No. 1 (insurans komprehensif), anda tidak boleh mengambil mudah. Jika tuntutan tidak dibuat mengikut prosedur selepas kemalangan, syarikat insurans mungkin masih mempunyai sebab untuk menafikan pampasan anda. Untuk mengetahui apakah sebab tuntutan insurans ini lazimnya ditolak syarikat insurans, teruskan membaca artikel ini.<\/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-69efe2f209714\" 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-69efe2f209714\"><\/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\/ketahui-sebab-tuntutan-insurans-kereta-ditolak\/#Tidak_dilindungi_insurans\" title=\"Tidak dilindungi insurans\">Tidak dilindungi 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\/ketahui-sebab-tuntutan-insurans-kereta-ditolak\/#Gagal_menghubungi_polis_dalam_masa_24_jam\" title=\"Gagal menghubungi polis dalam masa 24 jam\">Gagal menghubungi polis dalam masa 24 jam<\/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\/ketahui-sebab-tuntutan-insurans-kereta-ditolak\/#Memandu_dalam_keadaan_mabuk_dan_lumba_haram\" title=\"Memandu dalam keadaan mabuk dan lumba haram\">Memandu dalam keadaan mabuk dan lumba haram<\/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\/ketahui-sebab-tuntutan-insurans-kereta-ditolak\/#Maklumat_yang_diberikan_tidak_betul\" title=\"Maklumat yang diberikan tidak betul\">Maklumat yang diberikan tidak betul<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Tidak_dilindungi_insurans\"><\/span>Tidak dilindungi insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sejujurnya, adakah anda faham dengan jelas berkenaan terma dan butiran polisi anda? Insurans No. 1 ialah insurans komprehensif dan menyediakan perlindungan yang lebih komprehensif, Insurans No. 2 ialah insurans pihak ketiga, insurans kebakaran dan kecurian, dan Insurans No. 3 hanyalah insurans pihak ketiga. Walau bagaimanapun, ini tidak bermakna insurans No. 1 melindungi semua risiko, seperti bencana alam seperti banjir dan tanah runtuh, dan insurans tambahan perlu dibeli untuk mendapatkan perlindungan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Gagal_menghubungi_polis_dalam_masa_24_jam\"><\/span>Gagal menghubungi polis dalam masa 24 jam<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika anda ingin menuntut insurans selepas kemalangan jalan raya, anda mesti menghubungi polis dalam tempoh 24 jam selepas kemalangan itu. Ini bukan sahaja memudahkan proses tuntutan tetapi juga berkesan mencegah penipuan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Memandu_dalam_keadaan_mabuk_dan_lumba_haram\"><\/span>Memandu dalam keadaan mabuk dan lumba haram<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Memandu di bawah pengaruh alkohol atau berlumba secara haram adalah menyalahi undang-undang Jika kemalangan berlaku, syarikat insurans akan menafikan pampasan anda. Oleh itu, adalah bijak untuk mematuhi undang-undang dan memandu dengan selamat, jika tidak, anda bukan sahaja akan menghadapi penafian pampasan, tetapi mungkin juga lesen memandu anda digantung.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Maklumat_yang_diberikan_tidak_betul\"><\/span>Maklumat yang diberikan tidak betul<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sejak Bank Negara melaksanakan mekanisme harga terapung percuma untuk insurans kereta pada 2017, syarikat insurans telah mewajibkan pemilik kereta untuk memberikan maklumat terperinci semasa mengunderait untuk menentukan harga insurans kereta. Pastikan anda jujur \u200b\u200bsemasa mengisi maklumat seperti status perkahwinan, pekerjaan, tempat tinggal, dsb. Jika tidak, jika penipuan ditemui semasa tuntutan, syarikat insurans mempunyai hak untuk menolak pampasan.<\/p>\n\n\n\n<p>Untuk mengelakkan sebarang masalah semasa proses tuntutan selepas kemalangan, pastikan anda membaca terma dan butiran dengan teliti semasa memperbaharui polisi anda untuk memahami perlindungan anda. Insurans kereta bukan sahaja keperluan undang-undang, tetapi juga jaminan untuk keselamatan diri sendiri dan orang lain.<\/p>\n\n\n\n<p>Jangan lupa untuk memastikan insurans kereta dan cukai jalan anda dikemas kini! Apabila memperbaharui insurans kereta dan <a href=\"https:\/\/bjak.my\/blog\/cukai-jalan-jpj\/\">cukai jalan<\/a> 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 betul mengikut keperluan dan bajet anda. Selepas pembayaran, insurans kereta akan berkuat kuasa serta-merta. Klik 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=ketahui-sebab-tuntutan-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\/ini-maksud-ekses-insurans-kereta\/\">Ini Maksud Ekses Insurans Kereta<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/berbaloi-ke-perbaharui-insurans-kenderaan-guna-bnpl\/\">Berbaloi Ke Perbaharui Insurans Kenderaan Guna BNPL?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/kenapa-digalakkan-ambil-perlindungan-bencana-alam\/\">Insurans Kereta: Kenapa Anda Digalakkan Ambil Perlindungan Bencana Alam<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Pada anda yang nak menuntut insurans anda, ketahui sebab mengapa tuntutan insurans kereta ditolak. Elakkan buat perkara ini.<\/p>\n","protected":false},"author":23,"featured_media":47621,"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>Tuntutan Ditolak? Ketahui Sebab Tuntutan Insurans Kereta Ditolak<\/title>\n<meta name=\"description\" content=\"Pada anda yang nak menuntut insurans anda, ketahui sebab mengapa tuntutan insurans kereta ditolak. 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