{"id":53822,"date":"2025-10-22T23:41:23","date_gmt":"2025-10-22T15:41:23","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53822"},"modified":"2025-11-03T17:39:59","modified_gmt":"2025-11-03T09:39:59","slug":"tuntutan-pihak-ketiga-apa-hak-anda","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-pihak-ketiga-apa-hak-anda","title":{"rendered":"Tuntutan Pihak Ketiga: Apa Hak Anda?"},"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-6a09bae1d2d34\" 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-6a09bae1d2d34\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-pihak-ketiga-apa-hak-anda\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-pihak-ketiga-apa-hak-anda\/#Apa_Maksud_Tuntutan_Pihak_Ketiga\" title=\"Apa Maksud Tuntutan Pihak Ketiga\">Apa Maksud Tuntutan Pihak Ketiga<\/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\/tuntutan-pihak-ketiga-apa-hak-anda\/#Jenis-Jenis_Tuntutan\" title=\"Jenis-Jenis Tuntutan \">Jenis-Jenis Tuntutan <\/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-pihak-ketiga-apa-hak-anda\/#Dokumen_Diperlukan\" title=\"Dokumen Diperlukan\">Dokumen Diperlukan<\/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-pihak-ketiga-apa-hak-anda\/#Cara_Buat_Tuntutan_Pihak_Ketiga\" title=\"Cara Buat Tuntutan Pihak Ketiga\">Cara Buat Tuntutan Pihak Ketiga<\/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-pihak-ketiga-apa-hak-anda\/#Apa_Yang_Perlu_Diperhatikan\" title=\"Apa Yang Perlu Diperhatikan\">Apa Yang Perlu Diperhatikan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span>Pengenalan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kalau kereta anda terlibat kemalangan yang bukan salah anda, ramai cepat keliru. Ada yang terus call bengkel, ada yang marah pemandu lain. Sebenarnya, anda ada hak untuk buat <strong>tuntutan pihak ketiga<\/strong> supaya dapat pampasan kerosakan atau kerugian.<\/p>\n\n\n\n<p>Masalahnya, ramai tak tahu apa boleh dituntut, bagaimana proses berjalan, dan peranan insurans. Mari kita lihat langkah demi langkah supaya bila berlaku, anda tahu hak anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_Maksud_Tuntutan_Pihak_Ketiga\"><\/span>Apa Maksud Tuntutan Pihak Ketiga<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ia bermaksud anda minta pampasan daripada insurans pemandu yang salah.<br>Kalau memang orang lain yang bersalah, insurans dia tanggung kos kerosakan kereta anda \u2014 <strong>bukan insurans anda<\/strong>.<\/p>\n\n\n\n<p>Biasanya, tuntutan dibuat bila:<\/p>\n\n\n\n<ul><li>Anda yakin bukan pihak bersalah.<\/li><li>Ada bukti jelas seperti gambar atau laporan polis.<\/li><li>Anda nak elak guna NCD sendiri.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jenis-Jenis_Tuntutan\"><\/span>Jenis-Jenis Tuntutan <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li><strong>Kerosakan Kenderaan<\/strong> \u2013 baiki atau ganti bahagian kereta yang rosak.<\/li><li><strong>Kecederaan Diri<\/strong> \u2013 kalau anda atau penumpang cedera.<\/li><li><strong>Kehilangan Guna (Loss of Use)<\/strong> \u2013 pampasan untuk tempoh kereta di bengkel dan tak boleh digunakan.<\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Dokumen_Diperlukan\"><\/span>Dokumen Diperlukan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sebelum buat tuntutan, pastikan ada:<\/p>\n\n\n\n<ul><li>Laporan polis yang sah.<\/li><li>Salinan kad pengenalan &amp; lesen memandu.<\/li><li>Salinan geran kenderaan.<\/li><li>Gambar kerosakan &amp; tempat kejadian.<\/li><li>Quotation pembaikan dari bengkel panel.<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Cara_Buat_Tuntutan_Pihak_Ketiga\"><\/span>Cara Buat Tuntutan Pihak Ketiga<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li>Buat laporan polis dalam 24 jam.<\/li><li>Hantar kereta ke bengkel panel (jangan baiki sendiri).<\/li><li>Maklumkan insurans pihak lawan.<\/li><li>Tunggu adjuster periksa kereta.<\/li><li>Selepas diluluskan, bengkel teruskan pembaikan tanpa bayaran anda.<\/li><\/ol>\n\n\n\n<p>Kalau tak pasti siapa insurans pihak lawan atau nak semak polisi cepat, guna BJAK untuk <strong>semak maklumat insurans<\/strong>. Ini mudahkan proses sebelum tuntutan pihak ketiga.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53886\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-pihak-ketiga-apa-hak-anda\/attachment\/3-126\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-126.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=\"3-126\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-126.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-126.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\/3-126.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan lima langkah proses tuntutan pihak ketiga di Malaysia daripada laporan polis hingga pembaikan kenderaan.\" class=\"wp-image-53886\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-126.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-126.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-126.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-126.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-126.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<h3><span class=\"ez-toc-section\" id=\"Apa_Yang_Perlu_Diperhatikan\"><\/span>Apa Yang Perlu Diperhatikan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Pastikan laporan polis nyatakan anda bukan pihak bersalah.<\/li><li>Jangan tandatangan dokumen tanpa baca.<\/li><li>Simpan semua resit &amp; bukti.<\/li><li>Kalau pihak lawan tak kerjasama, boleh buat laporan kepada PIAM.<\/li><\/ul>\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=tuntutan-pihak-ketiga-apa-hak-anda\" 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\/tuntutan-kemalangan-disebabkan-haiwan-di-jalan-raya\">Tuntutan Kemalangan Disebabkan Haiwan Di Jalan Raya<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/dokumen-diperlu-untuk-tuntutan-insurans\">Dokumen Diperlu Untuk Tuntutan Insurans<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/road-safety-awareness-insurans-keselamatan-jalan-raya\">Road Safety Awareness: Insurans &amp; Keselamatan Jalan Raya<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Tuntutan pihak ketiga membolehkan anda menuntut ganti rugi bila kemalangan bukan salah anda. Artikel ini terangkan hak anda, jenis tuntutan, dan cara urus proses dengan mudah.<\/p>\n","protected":false},"author":31,"featured_media":53885,"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":[1895,216],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tuntutan Pihak Ketiga: Apa Hak Anda? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Tuntutan Pihak Ketiga: Apa Hak Anda? . 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