{"id":54080,"date":"2025-10-25T22:56:51","date_gmt":"2025-10-25T14:56:51","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54080"},"modified":"2025-10-29T23:55:24","modified_gmt":"2025-10-29T15:55:24","slug":"statistik-kemalangan-di-malaysia-peranan-insuran-kereta","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/statistik-kemalangan-di-malaysia-peranan-insuran-kereta","title":{"rendered":"Statistik Kemalangan Di Malaysia &#038; Peranan Insuran Kereta"},"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-69d45ca64e77c\" 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-69d45ca64e77c\"><\/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\/statistik-kemalangan-di-malaysia-peranan-insuran-kereta\/#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\/statistik-kemalangan-di-malaysia-peranan-insuran-kereta\/#Statistik_Terkini\" title=\"Statistik Terkini\">Statistik Terkini<\/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\/statistik-kemalangan-di-malaysia-peranan-insuran-kereta\/#Peranan_Insurans\" title=\"Peranan Insurans\">Peranan Insurans<\/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\/statistik-kemalangan-di-malaysia-peranan-insuran-kereta\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Bila sebut pasal statistik kemalangan di Malaysia, ramai yang sebenarnya terkejut bila tahu angka sebenar. Bayangkan \u2014 lebih setengah juta kes setiap tahun, dan lebih 6,000 nyawa terkorban. Dalam situasi macam ni, insurans bukan sekadar syarat wajib semata-mata. Ia sebenarnya jadi pelindung kewangan, yang bantu pemandu tanggung kos pembaikan kereta atau rawatan bila malang tak berbau.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Statistik_Terkini\"><\/span><strong>Statistik Terkini<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Data dari Jabatan Keselamatan Jalan Raya Malaysia (JKJR) menunjukkan punca utama kemalangan termasuk:<\/p>\n\n\n\n<ul><li>Pemandu <strong>letih atau mengantuk<\/strong><strong><br><\/strong><\/li><li><strong>Memandu laju<\/strong>, tidak ikut had laju<br><\/li><li>Pemandu di bawah <strong>pengaruh alkohol atau dadah<\/strong><strong><br><\/strong><\/li><li><strong>Keadaan jalan atau cuaca<\/strong> yang kurang elok<br><\/li><\/ul>\n\n\n\n<p>Walaupun angka ini nampak tinggi, pemandu yang memiliki insurans dapat mengurangkan tekanan kewangan kerana kos pembaikan dan pampasan pihak ketiga ditanggung syarikat insurans.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Peranan_Insurans\"><\/span><strong>Peranan Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurans memainkan peranan penting selepas kemalangan:<\/p>\n\n\n\n<ol><li><strong>Melindungi kewangan pemandu<\/strong> \u2013 tanpa insurans, kos membaiki kereta sendiri atau membayar ganti rugi pihak ketiga boleh menjadi beban besar.<br><\/li><li><strong>Perlindungan tambahan<\/strong> \u2013 pelan Comprehensive menyediakan liputan untuk banjir, kebakaran, kecurian dan lain-lain.<br><\/li><li><strong>Proses tuntutan lebih cepat<\/strong> \u2013 melalui panel workshop atau pampasan tunai, proses tuntutan lebih lancar dan kurang tekanan.<br><\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"54143\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/statistik-kemalangan-di-malaysia-peranan-insuran-kereta\/attachment\/3-148\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-148-scaled.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=\"3-148\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-148-scaled.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-148-scaled.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-148.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan statistik kemalangan jalan raya di Malaysia \u2014 lebih 500,000 kes dan 6,000 kematian setiap tahun. Peta Malaysia dengan ikon kereta dan carta pai kematian, diikuti seksyen peranan insurans seperti perlindungan kewangan, tuntutan cepat, dan kos pembaikan.\n\" class=\"wp-image-54143\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-148-scaled.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-148-scaled.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-148-scaled.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-148-scaled.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-148-scaled.jpg?resize=2048%2C1295&amp;ssl=1 2048w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-148-scaled.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=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Statistik kemalangan di Malaysia menunjukkan risiko jalan raya memang wujud, tetapi dengan insurans, beban kewangan dapat dikurangkan. Memiliki polisi yang sesuai bukan sahaja melindungi kenderaan, tetapi juga memberi ketenangan kepada diri sendiri dan keluarga.<\/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=statistik-kemalangan-di-malaysia-peranan-insuran-kereta\" 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\/panduan-renew-roadtax-kereta-syarikat\">Panduan Renew Roadtax Kereta Syarikat<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/semak-ncd-kereta-secara-online\">Semak NCD Kereta Secara Online<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/apa-berlaku-pada-tuntutan-jika-ncd-terjejas\">Apa Berlaku Pada Tuntutan Jika NCD Terjejas<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Setiap tahun, ribuan kemalangan berlaku di jalan raya Malaysia. Artikel ini mengupas statistik kemalangan di Malaysia dan bagaimana insurans memainkan peranan penting untuk melindungi pemandu daripada beban kewangan selepas kemalangan.<\/p>\n","protected":false},"author":31,"featured_media":54142,"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":[3023,3022],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Statistik Kemalangan Di Malaysia &amp; Peranan Insuran Kereta | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Statistik Kemalangan Di Malaysia &amp; Peranan Insuran Kereta . 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