{"id":51861,"date":"2025-09-24T23:00:50","date_gmt":"2025-09-24T15:00:50","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=51861"},"modified":"2025-10-30T15:34:02","modified_gmt":"2025-10-30T07:34:02","slug":"apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak","title":{"rendered":"Cara Tangani Tuntutan Insurans Kereta Ditolak"},"content":{"rendered":"\n<p>Ramai pemandu fikir bila hantar tuntutan, insurans mesti lulus. Sebenarnya, <strong>cara tangani tuntutan insurans<\/strong> penting untuk difahami kerana tuntutan boleh ditolak atas pelbagai sebab. Kadang-kadang dokumen tak lengkap, kadang-kadang polisi memang tak cover kejadian itu. Dalam artikel ini, kita lihat langkah-langkah praktikal untuk hadapi situasi ini dengan tenang dan sistematik.<\/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-6a09aeb3ab7fc\" 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-6a09aeb3ab7fc\"><\/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\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\/#Sebab-Sebab_Tuntutan_Ditolak\" title=\"Sebab-Sebab Tuntutan Ditolak\">Sebab-Sebab Tuntutan Ditolak<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\/#Dokumen_Tidak_Lengkap\" title=\"Dokumen Tidak Lengkap\">Dokumen Tidak Lengkap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\/#Polisi_Tidak_Meliputi_Kejadian\" title=\"Polisi Tidak Meliputi Kejadian\">Polisi Tidak Meliputi Kejadian<\/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\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\/#Laporan_Lewat\" title=\"Laporan Lewat\">Laporan Lewat<\/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\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\/#Pelanggaran_Terma_Polisi\" title=\"Pelanggaran Terma Polisi\">Pelanggaran Terma Polisi<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\/#Apa_Yang_Boleh_Dilakukan\" title=\"Apa Yang Boleh Dilakukan\">Apa Yang Boleh Dilakukan<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\/#Semak_Surat_Penolakan\" title=\"Semak Surat Penolakan\">Semak Surat Penolakan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\/#Hubungi_Syarikat_Insurans\" title=\"Hubungi Syarikat Insurans\">Hubungi Syarikat Insurans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\/#Rayuan_atau_Rujuk_ke_BNMPIAM\" title=\"Rayuan atau Rujuk ke BNM\/PIAM\">Rayuan atau Rujuk ke BNM\/PIAM<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\/#Pertimbangkan_Bantuan_Guaman\" title=\"Pertimbangkan Bantuan Guaman\">Pertimbangkan Bantuan Guaman<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\/#Kenapa_Ini_Penting\" title=\"Kenapa Ini Penting\">Kenapa Ini Penting<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Sebab-Sebab_Tuntutan_Ditolak\"><\/span><strong>Sebab-Sebab Tuntutan Ditolak<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Dokumen_Tidak_Lengkap\"><\/span><strong>Dokumen Tidak Lengkap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kadang-kadang foto, laporan polis, atau resit pembaikan tidak dihantar dengan betul. Ini antara sebab biasa tuntutan ditolak.<\/p>\n\n\n\n<h3 class=\"has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Polisi_Tidak_Meliputi_Kejadian\"><\/span><strong>Polisi Tidak Meliputi Kejadian<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Contohnya, kerosakan akibat banjir tak dilindungi kalau anda tak ambil perlindungan bencana alam (special perils). Dalam kes ini, syarikat insurans memang berhak menolak tuntutan.<\/p>\n\n\n\n<h3 class=\"has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Laporan_Lewat\"><\/span><strong>Laporan Lewat<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Biasanya, syarikat insurans ada tempoh tertentu untuk menghantar tuntutan selepas laporan polis. Kalau terlambat, tuntutan mungkin ditolak.<\/p>\n\n\n\n<h3 class=\"has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Pelanggaran_Terma_Polisi\"><\/span><strong>Pelanggaran Terma Polisi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Satu contoh biasa adalah jika kereta dipandu oleh orang tanpa lesen sah. Itu sahaja sudah cukup untuk menolak tuntutan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Yang_Boleh_Dilakukan\"><\/span><strong>Apa Yang Boleh Dilakukan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Semak_Surat_Penolakan\"><\/span><strong>Semak Surat Penolakan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Baca dengan teliti sebab tuntutan ditolak. Ini membantu anda lihat sama ada ada ruang untuk rayuan.<\/p>\n\n\n\n<h3 class=\"has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Hubungi_Syarikat_Insurans\"><\/span><strong>Hubungi Syarikat Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kadang-kadang masalahnya cuma dokumen hilang atau tersilap. Satu panggilan atau follow-up boleh membuka semula tuntutan.<\/p>\n\n\n\n<h3 class=\"has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Rayuan_atau_Rujuk_ke_BNMPIAM\"><\/span><strong>Rayuan atau Rujuk ke BNM\/PIAM<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Walaupun tuntutan lengkap tapi masih ditolak, jika rasa tidak adil, anda boleh buat rayuan kepada <strong>Bank Negara Malaysia<\/strong> atau <strong>Persatuan Insurans Am Malaysia (PIAM)<\/strong>.<\/p>\n\n\n\n<h3 class=\"has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Pertimbangkan_Bantuan_Guaman\"><\/span><strong>Pertimbangkan Bantuan Guaman<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Untuk kerugian besar, berunding dengan peguam mungkin langkah terakhir yang perlu.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kenapa_Ini_Penting\"><\/span><strong>Kenapa Ini Penting<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tahu langkah-langkah ini memberi ketenangan fikiran. Anda tidak panik bila tuntutan ditolak dan faham hak sebagai pemegang polisi.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bila tuntutan insurans kereta ditolak, jangan panik. Dengan memahami <strong>cara tangani tuntutan insurans<\/strong>, anda boleh semak sebab penolakan, hubungi syarikat insurans, dan ikut langkah rayuan yang wajar. Langkah-langkah ini memberi peluang untuk tuntutan anda diproses semula dengan adil dan memberi ketenangan fikiran sebagai pemegang polisi.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"51896\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\/attachment\/3-61\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-61.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"3-61\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-61.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-61.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-61.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Flowchart menunjukkan langkah-langkah bila tuntutan insurans kereta ditolak, termasuk semak surat, hubungi syarikat, hantar dokumen, rayuan, dan bantuan guaman.\" class=\"wp-image-51896\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-61.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-61.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-61.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-61.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/3-61.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\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-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\" style=\"background-color:#ffd103\">Dapatkan Sebut Harga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca Juga:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/langkah-memilih-perlindungan-tambahan-insurans-kereta\">Langkah Memilih Perlindungan Tambahan Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/keselamatan-data-peribadi-di-platform-insurans-kereta-online\">Keselamatan Data Peribadi di Platform Insurans Kereta Online<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-perbaharui-insurans-kereta-tepat-waktu-tanpa-denda\">Cara Perbaharui Insurans Kereta Tepat Waktu Tanpa Denda<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Bila tuntutan insurans kereta ditolak, jangan panik. Fahami sebab, semak dokumen, hubungi syarikat insurans, dan ikut langkah rayuan yang wajar.<\/p>\n","protected":false},"author":31,"featured_media":51895,"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":[2762],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cara Tangani Tuntutan Insurans Kereta Ditolak | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Cara Tangani Tuntutan Insurans Kereta Ditolak, Tahu Cara Semak Polisi &amp; Ikut Langkah Rayuan Yang Wajar.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cara Tangani Tuntutan Insurans Kereta Ditolak | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Cara Tangani Tuntutan Insurans Kereta Ditolak, Tahu Cara Semak Polisi &amp; Ikut Langkah Rayuan Yang Wajar.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/apa-perlu-buat-jika-tuntutan-insurans-kereta-ditolak\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-24T15:00:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T07:34:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/09\/1-59.jpg?fit=1600%2C1012&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"BJAK Content Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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