{"id":53456,"date":"2025-10-17T20:04:27","date_gmt":"2025-10-17T12:04:27","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53456"},"modified":"2025-10-29T23:56:47","modified_gmt":"2025-10-29T15:56:47","slug":"cara-tuntut-insurans-bila-kereta-dilanggar-pihak-ketiga","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-tuntut-insurans-bila-kereta-dilanggar-pihak-ketiga","title":{"rendered":"Cara Tuntut Insurans Bila Kereta Dilanggar Pihak Ketiga"},"content":{"rendered":"\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-69d45cdb02925\" 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-69d45cdb02925\"><\/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\/cara-tuntut-insurans-bila-kereta-dilanggar-pihak-ketiga\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/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\/cara-tuntut-insurans-bila-kereta-dilanggar-pihak-ketiga\/#Apa_Itu_Tuntutan_Insurans_Pihak_Ketiga\" title=\"Apa Itu Tuntutan Insurans Pihak Ketiga\">Apa Itu Tuntutan Insurans Pihak Ketiga<\/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\/cara-tuntut-insurans-bila-kereta-dilanggar-pihak-ketiga\/#Langkah-Langkah_Tuntutan\" title=\"Langkah-Langkah Tuntutan\">Langkah-Langkah Tuntutan<\/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\/cara-tuntut-insurans-bila-kereta-dilanggar-pihak-ketiga\/#Dokumen_Diperlukan\" title=\"Dokumen Diperlukan\">Dokumen Diperlukan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-tuntut-insurans-bila-kereta-dilanggar-pihak-ketiga\/#Tips_Supaya_Tuntutan_Cepat_Lulus\" title=\"Tips Supaya Tuntutan Cepat Lulus\">Tips Supaya Tuntutan Cepat Lulus<\/a><\/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\/cara-tuntut-insurans-bila-kereta-dilanggar-pihak-ketiga\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bila kereta kita dilanggar orang lain, soalan pertama mesti  \u201cmacam mana nak tuntut insurans pihak ketiga?\u201d Ramai pemandu terkeliru sama ada nak guna insurans sendiri atau pihak lawan. Artikel ini bantu anda faham proses tuntutan pihak ketiga, dari laporan polis sampai kereta siap dibaiki.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Itu_Tuntutan_Insurans_Pihak_Ketiga\"><\/span><strong>Apa Itu Tuntutan Insurans Pihak Ketiga<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201cTuntutan pihak ketiga\u201d bermaksud anda menuntut kos kerosakan daripada syarikat insurans milik individu yang melanggar anda.<br>Dalam kes ini, anda sebagai <em>mangsa<\/em>, manakala pemandu yang melanggar anda ialah <em>pihak ketiga<\/em>.<br>Berbeza dengan tuntutan \u201cown damage\u201d, di mana anda guna insurans sendiri walaupun bukan salah anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Langkah-Langkah_Tuntutan\"><\/span><strong>Langkah-Langkah Tuntutan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Ambil bukti di lokasi kejadian<\/strong> \u2013 ambil gambar\/video kerosakan, no. plat, dan keadaan sekitar.<br><\/li><li><strong>Buat laporan polis dalam masa 24 jam.<\/strong> Laporan ini penting untuk menentukan siapa bersalah.<br><\/li><li><strong>Hantar kenderaan ke bengkel panel (atau BJAK Bengkel)<\/strong> untuk pemeriksaan.<br><\/li><li><strong>Maklumkan kepada syarikat insurans<\/strong> dan serahkan dokumen lengkap seperti cover note, laporan polis, lesen, kad pengenalan, dan resit berkaitan.<br><\/li><li><strong>Siasatan &amp; penilaian adjuster<\/strong> akan dibuat untuk sahkan jumlah tuntutan.<br><\/li><li><strong>Tuntutan diluluskan &amp; dibaiki\/bayar.<\/strong> Anda boleh semak status melalui portal insurans atau terus dengan bengkel panel.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Dokumen_Diperlukan\"><\/span><strong>Dokumen Diperlukan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Laporan polis<br><\/li><li>Kad pengenalan &amp; lesen memandu<br><\/li><li>Salinan cover note insurans aktif<br><\/li><li>Gambar kerosakan<br><\/li><li>Resit atau laporan bengkel<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Tips_Supaya_Tuntutan_Cepat_Lulus\"><\/span><strong>Tips Supaya Tuntutan Cepat Lulus<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Jangan ubah atau reka semula laporan polis.<br><\/li><li>Gunakan bengkel panel rasmi atau <strong>BJAK Bengkel<\/strong> untuk proses cepat.<br><\/li><li>Simpan semua bukti dalam bentuk digital \u2014 senang untuk semak semula.<br><\/li><li>Pastikan NCD dan maklumat polisi aktif.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53516\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-tuntut-insurans-bila-kereta-dilanggar-pihak-ketiga\/attachment\/3-95\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-95.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=\"3-95\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-95.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-95.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-95.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik langkah-langkah tuntutan insurans pihak ketiga dari laporan polis hingga proses bayaran oleh syarikat insurans.\" class=\"wp-image-53516\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-95.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-95.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-95.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-95.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-95.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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>Tuntut insurans pihak ketiga bukanlah proses yang menakutkan \u2014 cuma perlu ikut langkah dengan betul. Pastikan semua dokumen lengkap, guna bengkel panel sah, dan berurusan terus dengan pihak insurans. Jika anda perlukan bantuan semak polisi aktif atau nak tahu bengkel panel terdekat, <strong>BJAK<\/strong> sedia bantu melalui WhatsApp, e-mel atau portal pelanggan.<\/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-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=cara-tuntut-insurans-bila-kereta-dilanggar-pihak-ketiga\" 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\/renew-awal-jimat-ncd-betul-ke\">Renew Awal Jimat NCD, Betul Ke?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/kesan-tukar-enjin-modifikasi-pada-polisi-insurans-kereta\">Kesan Tukar Enjin &amp; Modifikasi pada Polisi Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/fahami-kenapa-premium-insurans-naik-setiap-tahun\">Fahami Kenapa Premium Insurans Naik Setiap Tahun<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kereta anda baru dilanggar dan tak tahu nak mula dari mana? Jangan risau \u2014 tuntutan insurans pihak ketiga tak serumit yang disangka. Panduan ini terangkan langkah penting supaya anda dapat pampasan dengan cepat dan sah.<\/p>\n","protected":false},"author":31,"featured_media":53515,"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":[93,1895,216],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cara Tuntut Insurans Bila Kereta Dilanggar Pihak Ketiga | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Cara Tuntut Insurans Bila Kereta Dilanggar Pihak Ketiga . 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