{"id":55962,"date":"2025-11-15T00:18:35","date_gmt":"2025-11-14T16:18:35","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=55962"},"modified":"2025-11-15T00:18:36","modified_gmt":"2025-11-14T16:18:36","slug":"tuntutan-kemalangan-tanpa-laporan-polis","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-kemalangan-tanpa-laporan-polis","title":{"rendered":"Tuntutan Kemalangan Tanpa Laporan Polis"},"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-69d76abea9077\" 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-69d76abea9077\"><\/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\/tuntutan-kemalangan-tanpa-laporan-polis\/#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\/tuntutan-kemalangan-tanpa-laporan-polis\/#1_Risiko_Tuntutan_Tanpa_Laporan_Polis\" title=\"1. Risiko Tuntutan Tanpa Laporan Polis\">1. Risiko Tuntutan Tanpa Laporan Polis<\/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\/tuntutan-kemalangan-tanpa-laporan-polis\/#2_Bila_Boleh_Tuntut_Tanpa_Laporan_Polis\" title=\"2. Bila Boleh Tuntut Tanpa Laporan Polis\">2. Bila Boleh Tuntut Tanpa Laporan Polis<\/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\/tuntutan-kemalangan-tanpa-laporan-polis\/#3_Tips_BJAK_untuk_Proses_Tuntutan\" title=\"3. Tips BJAK untuk Proses Tuntutan\">3. Tips BJAK untuk Proses Tuntutan<\/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\/tuntutan-kemalangan-tanpa-laporan-polis\/#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>Di Malaysia, banyak pemandu tidak sedar bahawa <strong>laporan polis<\/strong> biasanya diperlukan untuk tuntutan insurans selepas kemalangan. Artikel ini membincangkan bagaimana urus <strong>tuntutan kemalangan tanpa laporan polis<\/strong>, risiko yang mungkin timbul, dan bagaimana BJAK membantu memudahkan proses.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Risiko_Tuntutan_Tanpa_Laporan_Polis\"><\/span><strong>1. Risiko Tuntutan Tanpa Laporan Polis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Polisi mungkin ditolak:<\/strong> Syarikat insurans biasanya memerlukan laporan polis sebagai bukti rasmi.<br><\/li><li><strong>Kesulitan semasa siasatan:<\/strong> Tanpa laporan polis, bukti kemalangan boleh dipersoalkan, menjejaskan jumlah tuntutan.<br><\/li><li><strong>Masalah untuk pihak ketiga:<\/strong> Jika melibatkan pihak lain, tuntutan pihak ketiga mungkin tergendala tanpa laporan polis.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Bila_Boleh_Tuntut_Tanpa_Laporan_Polis\"><\/span><strong>2. Bila Boleh Tuntut Tanpa Laporan Polis<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Kemalangan kecil yang tidak melibatkan pihak ketiga (contohnya kerosakan sendiri di rumah atau parkir).<br><\/li><li>Dalam kes tertentu, sesetengah syarikat insurans membenarkan <strong>tuntutan minor<\/strong> melalui proses dalaman, tetapi biasanya <strong>had tuntutan terhad<\/strong>.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Tips_BJAK_untuk_Proses_Tuntutan\"><\/span><strong>3. Tips BJAK untuk Proses Tuntutan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Semak polisi terlebih dahulu:<\/strong> BJAK membolehkan anda faham syarat tuntutan sebelum berlakunya insiden.<br><\/li><li><strong>Sediakan bukti lengkap:<\/strong> Gambar, video, dan maklumat kereta dapat membantu tuntutan tanpa laporan polis kecil.<br><\/li><li><strong>Gunakan platform BJAK:<\/strong> Banding polisi yang menawarkan fleksibiliti untuk tuntutan minor tanpa laporan polis.<br><\/li><li><strong>Elak masalah masa depan:<\/strong> Walaupun boleh tuntut tanpa laporan polis untuk kes kecil, sentiasa sediakan laporan polis jika melibatkan pihak ketiga atau kecederaan.<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=\"56017\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tuntutan-kemalangan-tanpa-laporan-polis\/attachment\/3-99-2\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-99.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=\"3-99\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-99.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-99.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\/11\/3-99.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan langkah dan syarat tuntutan kemalangan tanpa laporan polis termasuk sediakan bukti, semak polisi, dan guna platform BJAK.\" class=\"wp-image-56017\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-99.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-99.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-99.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-99.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-99.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>Tuntutan kemalangan tanpa laporan polis dibenarkan dalam situasi tertentu, tetapi ada risiko dan had. BJAK membantu pemandu semak polisi, sediakan dokumen, dan pilih perlindungan yang sesuai supaya proses tuntutan lebih lancar tanpa kehilangan hak NCD atau perlindungan penuh.<\/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=tuntutan-kemalangan-tanpa-laporan-polis\" 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\/insurans-kereta\/kenaikan-tuntutan-insurans-kereta-risiko-premium-tinggi\">Kenaikan Tuntutan Insurans Kereta &amp; Risiko Premium Tinggi<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-terjejas-banjir-tuntutan-renew-roadtax\">Kereta Terjejas Banjir: Tuntutan &amp; Renew Roadtax<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-pilih-insurans-kereta-dengan-bantuan-24-jam\">Panduan Pilih Insurans Kereta Dengan Bantuan 24 Jam<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Panduan buat pemandu di Malaysia untuk memahami prosedur tuntutan kemalangan tanpa laporan polis, termasuk risiko, syarat, dan cara BJAK membantu memudahkan proses.<\/p>\n","protected":false},"author":31,"featured_media":56016,"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":[243,3119,216],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tuntutan Kemalangan Tanpa Laporan Polis | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Tuntutan Kemalangan Tanpa Laporan Polis . 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