{"id":54208,"date":"2025-10-29T02:55:30","date_gmt":"2025-10-28T18:55:30","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=54208"},"modified":"2025-10-29T20:34:16","modified_gmt":"2025-10-29T12:34:16","slug":"proses-tuntutan-insuran-kereta-langkah-demi-langkah","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/proses-tuntutan-insuran-kereta-langkah-demi-langkah","title":{"rendered":"Proses Tuntutan Insuran Kereta: Langkah Demi Langkah"},"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-69e0cb93b3a46\" 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-69e0cb93b3a46\"><\/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\/proses-tuntutan-insuran-kereta-langkah-demi-langkah\/#Introduction\" title=\"Introduction\">Introduction<\/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\/proses-tuntutan-insuran-kereta-langkah-demi-langkah\/#Jenis_Tuntutan_Insurans\" title=\"Jenis Tuntutan Insurans\">Jenis Tuntutan Insurans<\/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\/proses-tuntutan-insuran-kereta-langkah-demi-langkah\/#Langkah_Demi_Langkah_Buat_Tuntutan\" title=\"Langkah Demi Langkah Buat Tuntutan\">Langkah Demi Langkah Buat 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\/proses-tuntutan-insuran-kereta-langkah-demi-langkah\/#Petua_Tambahan\" title=\"Petua Tambahan\">Petua Tambahan<\/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\/proses-tuntutan-insuran-kereta-langkah-demi-langkah\/#Bagaimana_BJAK_Boleh_Bantu\" title=\"Bagaimana BJAK Boleh Bantu\">Bagaimana BJAK Boleh Bantu<\/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\/proses-tuntutan-insuran-kereta-langkah-demi-langkah\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai pemilik kenderaan masih keliru tentang <strong>proses tuntutan insuran<\/strong> bila terlibat dalam kemalangan. Bila masa sesuai untuk buat laporan, apa dokumen yang perlu dibawa, dan ke mana nak hantar kereta untuk dibaiki \u2014 semua ini penting untuk pastikan tuntutan berjalan lancar dan tidak ditolak oleh pihak insurans.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jenis_Tuntutan_Insurans\"><\/span><strong>Jenis Tuntutan Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sebelum mula, fahami dulu jenis tuntutan yang biasa dibuat:<\/p>\n\n\n\n<ol><li><strong>Own Damage (OD):<\/strong> Anda menuntut kos pembaikan kereta anda sendiri.<br><\/li><li><strong>Third Party Property Damage (TPPD):<\/strong> Menuntut kerosakan pada kenderaan orang lain.<br><\/li><li><strong>Third Party Bodily Injury (TPBI):<\/strong> Melibatkan kecederaan atau kematian pihak ketiga.<br><\/li><\/ol>\n\n\n\n<p>Mengetahui jenis tuntutan membantu anda sediakan dokumen dan laporan yang betul.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Langkah_Demi_Langkah_Buat_Tuntutan\"><\/span><strong>Langkah Demi Langkah Buat Tuntutan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol><li><strong>Buat laporan polis dalam 24 jam.<\/strong> Ini wajib untuk semua kes kemalangan.<br><\/li><li><strong>Ambil gambar bukti.<\/strong> Termasuk keadaan kereta, lokasi kemalangan, dan plat kenderaan terlibat.<br><\/li><li><strong>Hantar ke panel bengkel insurans.<\/strong> Jangan baiki di bengkel biasa tanpa kelulusan.<br><\/li><li><strong>Sediakan dokumen penting.<\/strong> Contoh: salinan laporan polis, lesen, kad pengenalan, dan sijil insurans.<br><\/li><li><strong>Tunggu penilaian adjuster.<\/strong> Adjuster akan menilai jumlah kos pembaikan yang layak dituntut.<br><\/li><li><strong>Lulus &amp; baiki.<\/strong> Selepas diluluskan, bengkel akan mulakan kerja dan kos dibiayai oleh insurans (bergantung pada jenis tuntutan).<br><\/li><\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"54306\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/proses-tuntutan-insuran-kereta-langkah-demi-langkah\/attachment\/3-160\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-160.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=\"3-160\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-160.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-160.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\/10\/3-160.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan proses tuntutan insurans kereta langkah demi langkah di Malaysia.\" class=\"wp-image-54306\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-160.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-160.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-160.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-160.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-160.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=\"Petua_Tambahan\"><\/span><strong>Petua Tambahan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Simpan semua resit atau invois berkaitan kemalangan.<br><\/li><li>Hubungi syarikat insurans anda untuk semak status tuntutan.<br><\/li><li>Elak menandatangani sebarang dokumen tanpa faham isi kandungan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Bagaimana_BJAK_Boleh_Bantu\"><\/span><strong>Bagaimana BJAK Boleh Bantu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika anda renew melalui <strong>Bjak<\/strong>, anda akan menerima polisi digital yang mudah diakses bila perlu buat tuntutan. Semua butiran syarikat insurans, nombor hotline, dan bengkel panel boleh dicapai dengan satu klik. Ini memudahkan anda bertindak cepat selepas kemalangan tanpa perlu mencari dokumen fizikal.<\/p>\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>Secara ringkasnya, <strong>proses tuntutan insuran<\/strong> boleh jadi mudah jika anda tahu langkah yang betul. Dari laporan polis hingga kelulusan bengkel, setiap langkah penting untuk pastikan tuntutan anda diterima. Dengan bantuan platform seperti <strong>Bjak<\/strong>, anda boleh simpan semua maklumat polisi di satu tempat dan urus tuntutan dengan lebih tenang.<\/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=proses-tuntutan-insuran-kereta-langkah-demi-langkah\" style=\"background-color:#ffd103\">Dapatkan Sebutharga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca Juga:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/apakah-maksud-third-party-fire-and-theft-dalam-insuran-kereta\">Apakah Maksud \u201cThird Party, Fire and Theft\u201d Dalam Insuran Kereta?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/apa-sum-insured-bagaimana-dikira-dalam-insuran-kereta\">Apa Sum Insured &amp; Bagaimana Dikira Dalam Insuran Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/bagaimana-insurans-kereta-lindungi-semasa-banjir\">Cara Insurans Kereta Lindungi Semasa Banjir<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tak pasti cara buat tuntutan insurans? Panduan ini terangkan setiap langkah dari laporan polis hingga kereta siap dibaiki \u2014 mudah difahami dan lengkap.<\/p>\n","protected":false},"author":31,"featured_media":54305,"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":[977],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Proses Tuntutan Insuran Kereta: Langkah Demi Langkah | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Proses Tuntutan Insuran Kereta: Langkah Demi Langkah dari laporan polis hingga kelulusan tuntutan.\" \/>\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\/proses-tuntutan-insuran-kereta-langkah-demi-langkah\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Proses Tuntutan Insuran Kereta: Langkah Demi Langkah | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: Proses Tuntutan Insuran Kereta: Langkah Demi Langkah dari laporan polis hingga kelulusan tuntutan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/proses-tuntutan-insuran-kereta-langkah-demi-langkah\" \/>\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=\"2025-10-28T18:55:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-29T12:34:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/1-160.jpg?fit=1708%2C1080&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1708\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\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=\"tariqsiregar@bjak.my\" \/>\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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