{"id":47600,"date":"2024-07-29T11:37:23","date_gmt":"2024-07-29T03:37:23","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47600"},"modified":"2025-07-10T16:27:15","modified_gmt":"2025-07-10T08:27:15","slug":"tuntutan-insurans-kereta-ditolak-ini-benda-yang-kena-buat","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-insurans-kereta-ditolak-ini-benda-yang-kena-buat","title":{"rendered":"Tuntutan Insurans Kereta Ditolak? Ini Benda Yang Anda Kena Buat"},"content":{"rendered":"\n<p>Memandu di jalan raya boleh mendatangkan pelbagai risiko. Walaupun anda memandu dengan berhati-hati dan mematuhi undang-undang jalan raya, ia tidak bermakna orang lain tidak akan melanggar 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 dialami.<\/p>\n\n\n\n<p>Tetapi bagaimana jika syarikat insurans anda menolak tuntutan insurans anda?<\/p>\n\n\n\n<p>Jangan panik lagi! Kerana penolakan tuntutan tidak bermakna anda tidak boleh buat apa-apa, artikel ini akan mengajar anda apa yang boleh anda lakukan apabila 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-69e8f3e3475bf\" 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-69e8f3e3475bf\"><\/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-kereta-ditolak-ini-benda-yang-kena-buat\/#Apakah_maksud_tuntutan_ditolak\" title=\"Apakah maksud tuntutan ditolak?\">Apakah maksud tuntutan 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\/tuntutan-insurans-kereta-ditolak-ini-benda-yang-kena-buat\/#Apa_yang_boleh_anda_lakukan_apabila_tuntutan_anda_ditolak\" title=\"Apa yang boleh anda lakukan apabila tuntutan anda ditolak?\">Apa yang boleh anda lakukan apabila tuntutan 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\/tuntutan-insurans-kereta-ditolak-ini-benda-yang-kena-buat\/#1_Maklumkan_kepada_ejen_insurans_anda\" title=\"1. Maklumkan kepada ejen insurans anda\">1. Maklumkan kepada 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\/tuntutan-insurans-kereta-ditolak-ini-benda-yang-kena-buat\/#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\/tuntutan-insurans-kereta-ditolak-ini-benda-yang-kena-buat\/#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\/tuntutan-insurans-kereta-ditolak-ini-benda-yang-kena-buat\/#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_ditolak\"><\/span>Apakah maksud tuntutan ditolak?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara ringkasnya, syarikat insurans tidak akan menanggung kos kerosakan kenderaan anda, atau tidak membayar jumlah penuh. Apabila syarikat insurans anda memutuskan untuk menolak tuntutan, ia akan menghantar surat rasmi kepada anda yang menerangkan sebab tuntutan anda ditolak.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_yang_boleh_anda_lakukan_apabila_tuntutan_anda_ditolak\"><\/span>Apa yang boleh anda lakukan apabila tuntutan anda ditolak?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Maklumkan_kepada_ejen_insurans_anda\"><\/span><strong>1. Maklumkan kepada ejen insurans anda<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Anda boleh bertanyakan kepada ejen insurans anda untuk mengetahui sebab tuntutan insurans anda ditolak. Kadangkala, masalah mungkin datang daripada fail anda tidak lengkap atau hilang.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Rujuk_bahagian_tuntutan\"><\/span><strong>2. Rujuk bahagian tuntutan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika anda tidak mempunyai ejen insurans, anda boleh menghubungi terus bahagian tuntutan syarikat insurans untuk mengetahui sebab penafian tersebut. Syarikat <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> akan memberikan penjelasan untuk penafian itu, 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 meminta anda menyerahkan beberapa dokumen sokongan. Pastikan anda menyimpan salinan dokumen sebelum menyerahkannya.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Rujuk_peguam\"><\/span><strong>3. Rujuk peguam<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika anda melaporkan kepada bahagian aduan syarikat insurans dan masih tiada jawapan, anda mungkin ingin mendapatkan bantuan daripada peguam. Walau bagaimanapun, pastikan anda 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><strong>4. Dapatkan bantuan daripada organisasi berkaitan<\/strong><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 bertanya tentang tuntutan insurans atau tuntutan insurans anda.<\/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 pengurusan kanan membuat keputusan muktamad.<\/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 apabila anda menghadapi penolakan tuntutan insurans kereta. Sudah tentu, jangan lupa untuk sentiasa memastikan insurans kereta anda sah untuk perlindungan.<\/p>\n\n\n\n<p>Untuk mengemaskini insurans kereta dan <a href=\"https:\/\/bjak.my\/blog\/cukai-jalan-jpj\/\">cukai jalan<\/a> anda, sudah tentu anda mesti 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 maklumat 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=tuntutan-insurans-kereta-ditolak-ini-benda-yang-kena-buat\">Renew Online<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Baca juga:<\/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\/insurans-kereta-banjir\/\">Adakah Insurans Kereta Lindungi Kerosakan Akibat Banjir?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-nak-claim-insuran-kereta\/\">Cara Nak Claim Insuran Kereta Untuk Kes Kecurian<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Jangan risau dan panik sekiranya tuntutan insurans kenderaan anda ditolak. Baca artikel ini untuk tahu apa perlu dibuat.<\/p>\n","protected":false},"author":23,"featured_media":47648,"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 Insurans Kereta Ditolak? Ini Benda Yang Anda Kena Buat<\/title>\n<meta name=\"description\" content=\"Jangan risau dan panik sekiranya tuntutan insurans kenderaan anda ditolak. 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