{"id":47703,"date":"2024-08-05T10:47:41","date_gmt":"2024-08-05T02:47:41","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47703"},"modified":"2025-11-05T18:05:10","modified_gmt":"2025-11-05T10:05:10","slug":"prosedur-tuntut-insurans-kenderaan-lepas-kemalangan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/prosedur-tuntut-insurans-kenderaan-lepas-kemalangan","title":{"rendered":"Ketahui Prosedur Tuntut Insurans Kenderaan Lepas Kemalangan"},"content":{"rendered":"\n<p>Kadar kematian akibat kemalangan kenderaan kekal tinggi, dan kadar kematian akibat kemalangan motosikal terus meningkat setiap tahun! Pada tahun lepas (2023), terdapat sebanyak 4,480 kemalangan maut membabitkan motosikal di negara kita, bermakna 12 orang maut setiap hari, atau berlaku kemalangan maut membabitkan motosikal setiap 2 jam.<\/p>\n\n\n\n<p>Jika dilihat daripada kadar kemalangan kereta yang melibatkan motosikal, lebih penting lagi penunggang motosikal memiliki insurans motosikal yang komprehensif. Jika kemalangan berlaku secara tidak sengaja, adakah anda tahu cara memohon tuntutan <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> daripada syarikat insurans?<\/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-69e0cb57e5211\" 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-69e0cb57e5211\"><\/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\/prosedur-tuntut-insurans-kenderaan-lepas-kemalangan\/#Jenis_tuntutan\" title=\"Jenis tuntutan\">Jenis tuntutan<\/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\/prosedur-tuntut-insurans-kenderaan-lepas-kemalangan\/#Prosedur_tuntutan\" title=\"Prosedur tuntutan\">Prosedur 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\/prosedur-tuntut-insurans-kenderaan-lepas-kemalangan\/#Dapatkan_perlindungan_menyeluruh_untuk_motosikal_anda\" title=\"Dapatkan perlindungan menyeluruh untuk motosikal anda\">Dapatkan perlindungan menyeluruh untuk motosikal anda<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Jenis_tuntutan\"><\/span>Jenis tuntutan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jika kemalangan berlaku, anda boleh memfailkan tuntutan kerosakan sendiri (Own damage claim) atau tuntutan insurans pihak ketiga (Third party claim).<\/p>\n\n\n\n<p>i. Tuntutan kerosakan diri<\/p>\n\n\n\n<p>Jika kemalangan itu disebabkan oleh anda dan mengakibatkan kerosakan atau kehilangan motosikal, anda boleh membuat tuntutan sedemikian. Walau bagaimanapun, syaratnya adalah untuk mempunyai insurans yang komprehensif. Adalah penting untuk ambil perhatian bahawa sebaik sahaja tuntutan kerosakan diri dibuat, anda akan kehilangan Diskaun Tanpa Tuntutan (NCD) anda.<\/p>\n\n\n\n<p>ii. Tuntutan Insurans Pihak Ketiga<\/p>\n\n\n\n<p>Jika disahkan bahawa anda bukan punca kemalangan, anda boleh membuat tuntutan insurans pihak ketiga. Perlindungan tuntutan pihak ketiga tidak menjejaskan kadar diskaun tanpa tuntutan anda.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"47704\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/prosedur-tuntut-insurans-kenderaan-lepas-kemalangan\/attachment\/moto\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/moto.webp?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" 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=\"moto\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/moto.webp?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/moto.webp?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/moto.webp?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-47704\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/moto.webp?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/moto.webp?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/moto.webp?resize=768%2C768&amp;ssl=1 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Prosedur_tuntutan\"><\/span>Prosedur tuntutan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li>Catat maklumat penting<\/li><\/ol>\n\n\n\n<p>Sekiranya berlaku kemalangan, sila bertenang dahulu dan catat dengan jelas apa yang berlaku pada masa itu. Maklumat penting yang perlu anda rekod termasuk: lokasi kemalangan, nombor plat kenderaan atau motosikal yang terlibat, nama dan nombor telefon pihak lain, dsb.<\/p>\n\n\n\n<ol start=\"2\"><li>Ambil gambar<\/li><\/ol>\n\n\n\n<p>Ingat untuk mengambil gambar anda dan kemalangan yang terlibat, termasuk bahagian motosikal yang rosak, serta keseluruhan kenderaan. Gambar ini boleh menjadi bukti penting semasa penyiasatan.<\/p>\n\n\n\n<ol start=\"3\"><li>Catatkan maklumat peribadi saksi<\/li><\/ol>\n\n\n\n<p>Jika ada saksi di tempat kejadian, dapatkan nama dan nombor telefonnya dengan kebenaran pihak lain. Maklumat ini akan membantu siasatan polis.<\/p>\n\n\n\n<ol start=\"4\"><li>Laporkan kemalangan<\/li><\/ol>\n\n\n\n<p>Selepas merekodkan maklumat penting di atas, ingat untuk melaporkan kemalangan itu ke balai polis terdekat dalam tempoh 24 jam selepas kemalangan dan berikan polis maklumat dan gambar kemalangan yang berkaitan.<\/p>\n\n\n\n<ol start=\"5\"><li>Hubungi syarikat insurans anda<\/li><\/ol>\n\n\n\n<p>Selepas menghubungi polis, hubungi syarikat insurans anda dengan segera. Ini adalah untuk melindungi anda daripada sebarang kerugian, termasuk tuntutan daripada pihak ketiga terhadap anda. Anda perlu mengemukakan laporan polis, polisi insurans, salinan kad pengenalan, lesen memandu dan maklumat lain kepada syarikat insurans.<\/p>\n\n\n\n<ol start=\"6\"><li>Hantar motosikal ke kedai pembaikan yang dibenarkan oleh syarikat insurans<\/li><\/ol>\n\n\n\n<p>Sila bawa motosikal anda ke kedai pembaikan yang dibenarkan oleh syarikat insurans anda untuk memfailkan tuntutan insurans. Jika motosikal tidak dihantar ke kedai pembaikan yang dibenarkan oleh syarikat insurans, anda mungkin tidak boleh menuntut insurans dan perlu menanggung sendiri kos pembaikan.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"47705\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/prosedur-tuntut-insurans-kenderaan-lepas-kemalangan\/attachment\/s\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/s.webp?fit=1080%2C608&amp;ssl=1\" data-orig-size=\"1080,608\" 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=\"s\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/s.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/s.webp?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/s.webp?resize=1080%2C608&#038;ssl=1\" alt=\"\" class=\"wp-image-47705\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/s.webp?w=1080&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/s.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/08\/s.webp?resize=768%2C432&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Dapatkan_perlindungan_menyeluruh_untuk_motosikal_anda\"><\/span>Dapatkan perlindungan menyeluruh untuk motosikal anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebagai pemilik motosikal, pastikan anda mempunyai insurans motosikal dan <a href=\"https:\/\/bjak.my\/blog\/cukai-jalan-jpj\/\">cukai jalan motosikal<\/a> yang sah. Seperti yang ditunjukkan oleh data di atas, penunggang motosikal ialah kumpulan berisiko tinggi untuk kemalangan, jadi mempunyai insurans motosikal yang bagus boleh memberikan anda perlindungan pada setiap masa.<\/p>\n\n\n\n<p>Apabila memperbaharui insurans motosikal dan <a href=\"https:\/\/bjak.my\/blog\/cukai-jalan-jpj\/\">cukai jalan<\/a>, sudah tentu anda harus memilih Bjak, platform <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kereta<\/a> dalam talian terbesar di Malaysia. Di sini anda boleh membandingkan sebut harga daripada 23 syarikat insurans sekaligus dan memilih insurans yang sesuai mengikut keperluan dan bajet anda. Selepas pembayaran, insurans anda akan berkuat kuasa serta-merta.Klik 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&nbsp;sebut harga percuma&nbsp;di Bjak dan pilih pelan terbaik hari ini!<\/em><\/p>\n\n\n\n<p><\/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=prosedur-tuntut-insurans-kenderaan-lepas-kemalangan\">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\/penting-perbaharui-cukai-jalan-motosikal\/\">Kenapa Penting Untuk Perbaharui Insurans Motosikal<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-claim-insurans-motosikal-dicuri\/\">Cara Claim Insurans Motosikal Dicuri<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/cara-claim-insurans-kemalangan-motosikal\/\">Cara Claim Insurans Kemalangan Motosikal<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Jika anda penunggang motosikal dan terlibat dalam kemalangan. Anda perlu tahu prosedur untuk tuntut pampasan. Baca artikel ini untuk ketahui.<\/p>\n","protected":false},"author":23,"featured_media":47736,"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":[26,633],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ketahui Prosedur Tuntut Insurans Kenderaan Lepas Kemalangan<\/title>\n<meta name=\"description\" content=\"Jika anda penunggang motosikal dan terlibat dalam kemalangan. Anda perlu tahu prosedur untuk tuntut pampasan. 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