{"id":56679,"date":"2025-11-22T20:29:45","date_gmt":"2025-11-22T12:29:45","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56679"},"modified":"2025-11-22T20:29:47","modified_gmt":"2025-11-22T12:29:47","slug":"kereta-kena-gores-atau-side-mirror-pecah-cover-ke","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-kena-gores-atau-side-mirror-pecah-cover-ke","title":{"rendered":"Kereta Kena Gores atau Side Mirror Pecah \u2014 Cover Ke?"},"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-69d77651ee33e\" 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-69d77651ee33e\"><\/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\/kereta-kena-gores-atau-side-mirror-pecah-cover-ke\/#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\/kereta-kena-gores-atau-side-mirror-pecah-cover-ke\/#1_Jenis_Insurans_Yang_Menentukan_Sama_Ada_Cover_Atau_Tidak\" title=\"1. Jenis Insurans Yang Menentukan Sama Ada Cover Atau Tidak\">1. Jenis Insurans Yang Menentukan Sama Ada Cover Atau Tidak<\/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\/kereta-kena-gores-atau-side-mirror-pecah-cover-ke\/#2_Kereta_Kena_Gores_Bila_Boleh_Claim\" title=\"2. Kereta Kena Gores: Bila Boleh Claim?\">2. Kereta Kena Gores: Bila Boleh Claim?<\/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\/kereta-kena-gores-atau-side-mirror-pecah-cover-ke\/#3_Side_Mirror_Pecah_Cover_Proses_Claim\" title=\"3. Side Mirror Pecah: Cover &amp; Proses Claim\">3. Side Mirror Pecah: Cover &amp; Proses Claim<\/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\/kereta-kena-gores-atau-side-mirror-pecah-cover-ke\/#4_Bila_Insurans_Takkan_Cover_Kerosakan_Ini\" title=\"4. Bila Insurans Takkan Cover Kerosakan Ini\">4. Bila Insurans Takkan Cover Kerosakan Ini<\/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\/kereta-kena-gores-atau-side-mirror-pecah-cover-ke\/#5_Berbaloi_Claim_Atau_Baiki_Sendiri\" title=\"5. Berbaloi Claim Atau Baiki Sendiri?\">5. Berbaloi Claim Atau Baiki Sendiri?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-kena-gores-atau-side-mirror-pecah-cover-ke\/#6_Cara_Claim_Jika_Anda_Putuskan_Untuk_Claim\" title=\"6. Cara Claim Jika Anda Putuskan Untuk Claim\">6. Cara Claim Jika Anda Putuskan Untuk Claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-kena-gores-atau-side-mirror-pecah-cover-ke\/#7_Tips_Supaya_Claim_Anda_Tidak_Ditolak\" title=\"7. Tips Supaya Claim Anda Tidak Ditolak\">7. Tips Supaya Claim Anda Tidak Ditolak<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-kena-gores-atau-side-mirror-pecah-cover-ke\/#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>Ramai pemilik kereta selalu tertanya-tanya, kereta kena gores cover ke? Sama ada goresan kecil di pintu, bonet, ataupun side mirror yang pecah, semua ini nampak remeh tetapi kos baikinya boleh mencecah ratusan ringgit.<\/p>\n\n\n\n<p>Ramai juga keliru sama ada insurans akan bayar atau tidak. Dalam artikel ini, kita lihat situasi sebenar, jenis perlindungan yang terlibat, dan cara paling bijak untuk buat claim tanpa rugikan diri sendiri.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Jenis_Insurans_Yang_Menentukan_Sama_Ada_Cover_Atau_Tidak\"><\/span><strong>1. Jenis Insurans Yang Menentukan Sama Ada Cover Atau Tidak<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kerosakan seperti goresan, cat tanggal, atau side mirror pecah hanya dilindungi di bawah polisi komprehensif (1st party).<\/p>\n\n\n\n<p>Jika anda menggunakan insurans pihak ketiga sahaja, kerosakan ini tidak boleh di-claim.<\/p>\n\n\n\n<p><strong>Secara ringkas:<\/strong><\/p>\n\n\n\n<ul><li>Komprehensif \u2192 Cover kereta sendiri<br><\/li><li>Third Party \u2192 Tidak cover kerosakan kereta sendiri<br><\/li><li>Takaful atau konvensional \u2192 Sama sahaja; yang penting polisi komprehensif<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Kereta_Kena_Gores_Bila_Boleh_Claim\"><\/span><strong>2. Kereta Kena Gores: Bila Boleh Claim?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Goresan biasanya terjadi akibat geseran kecil, disiat oleh objek tajam, atau gara-gara parking sempit.<\/p>\n\n\n\n<p>Ini boleh dibuat claim jika puncanya jelas, contohnya:<\/p>\n\n\n\n<ul><li>Terlanggar objek<br><\/li><li>Pihak ketiga rosakkan<br><\/li><li>Vandalism (jika polisi benarkan di bawah peril khas)<br><\/li><\/ul>\n\n\n\n<p>Namun, perlu ingat:<\/p>\n\n\n\n<ul><li>Claim goresan akan menurunkan NCD<br><\/li><li>Kos cat semula mungkin lebih rendah daripada kehilangan NCD<br><\/li><li>Jika lebih murah baiki sendiri, itu lebih berbaloi<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Side_Mirror_Pecah_Cover_Proses_Claim\"><\/span><strong>3. Side Mirror Pecah: Cover &amp; Proses Claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Side mirror pecah biasanya melibatkan kos lebih tinggi kerana perlu ganti housing + cover.<\/p>\n\n\n\n<p>Ini boleh diklaim di bawah komprehensif jika punca kerosakan boleh dibuktikan.<\/p>\n\n\n\n<p>Contoh situasi:<\/p>\n\n\n\n<ul><li>Disondol motor<br><\/li><li>Dilanggar kereta lain<br><\/li><li>Pecah akibat objek jatuh<br><\/li><li>Vandalism (bergantung terma polisi)<br><\/li><\/ul>\n\n\n\n<p>Jika ada pihak ketiga yang menyebabkan kerosakan, anda boleh buat claim pihak ketiga untuk selamatkan NCD, tetapi pastikan laporan polis dibuat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Bila_Insurans_Takkan_Cover_Kerosakan_Ini\"><\/span><strong>4. Bila Insurans Takkan Cover Kerosakan Ini<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Walaupun insurans komprehensif luas, ada situasi yang tak dilindungi:<\/p>\n\n\n\n<ul><li>Kerosakan tanpa punca jelas<br><\/li><li>Disebabkan wear &amp; tear<br><\/li><li>Akibat modifikasi tidak sah<br><\/li><li>Kerosakan berlaku sebelum polisi aktif<br><\/li><li>Laporan polis tidak sepadan dengan kerosakan<br><\/li><\/ul>\n\n\n\n<p>Dalam kes begini, adjuster mungkin menolak claim.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Berbaloi_Claim_Atau_Baiki_Sendiri\"><\/span><strong>5. Berbaloi Claim Atau Baiki Sendiri?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ini persoalan penting. Walaupun technically boleh claim, ia mungkin tak berbaloi jika:<\/p>\n\n\n\n<ul><li>Kos baiki kurang daripada kenaikan harga premium tahun depan<br><\/li><li>Anda ada NCD tinggi (contoh 55%)<br><\/li><li>Kerosakan kecil atau hanya cosmetic<br><\/li><\/ul>\n\n\n\n<p>Biasanya, baiki sendiri kerosakan di bawah RM300\u2013RM500 lebih murah daripada kehilangan NCD.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"6_Cara_Claim_Jika_Anda_Putuskan_Untuk_Claim\"><\/span><strong>6. Cara Claim Jika Anda Putuskan Untuk Claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika anda ingin claim, langkahnya ringkas:<\/p>\n\n\n\n<ol><li>Buat laporan polis dalam 24 jam<br><\/li><li>Datang ke panel workshop<br><\/li><li>Submit dokumen claim (gran, lesen, polisi, IC)<br><\/li><li>Bengkel akan uruskan dengan syarikat insurans<br><\/li><li>Kereta siap selepas kelulusan adjuster<br><\/li><\/ol>\n\n\n\n<p>Jika punca kerosakan disebabkan pihak ketiga, pilih claim pihak ketiga supaya NCD anda kekal.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"7_Tips_Supaya_Claim_Anda_Tidak_Ditolak\"><\/span><strong>7. Tips Supaya Claim Anda Tidak Ditolak<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Beberapa tips mudah untuk elakkan masalah:<\/p>\n\n\n\n<ul><li>Ambil gambar kerosakan dari pelbagai sudut<br><\/li><li>Hantar kereta ke bengkel panel sahaja<br><\/li><li>Elakkan cerita berubah-ubah dalam laporan<br><\/li><li>Pastikan polisi anda masih aktif dan komprehensif<br><\/li><li>Laporkan punca kerosakan dengan jelas<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=\"56742\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-kena-gores-atau-side-mirror-pecah-cover-ke\/attachment\/3-149-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-149.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=\"3-149\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-149.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-149.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\/11\/3-149.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan situasi gores dan side mirror pecah serta sama ada dilindungi oleh insurans komprehensif.\n\n\" class=\"wp-image-56742\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-149.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-149.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-149.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-149.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/3-149.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>Soalan popular seperti kereta kena gores cover ke atau side mirror pecah dilindungi atau tidak sebenarnya bergantung kepada jenis polisi dan punca kerosakan. Jika anda menggunakan insurans komprehensif, kedua-duanya memang boleh dituntut. Namun, sentiasa timbang sama ada berbaloi claim atau lebih baik baiki sendiri supaya NCD anda kekal tinggi. Dengan maklumat yang betul, anda boleh elakkan kerugian jangka panjang dan buat keputusan paling bijak untuk kereta anda.<\/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=http:\/\/kereta-kena-gores-atau-side-mirror-pecah--cover-ke\" 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\/riot-jarang-berlaku-tapi-kos-repair-tinggi\">Riot Jarang Berlaku \u2014 Tapi Kos Repair Tinggi<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/panduan-ncd-relief-elak-ncd-hilang-disebabkan-claim\">Panduan NCD Relief: Elak NCD Hilang Disebabkan Claim<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tambahan-perlindungan-srcc-berbaloi\">Tambahan Perlindungan SRCC, Berbaloi?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemandu panik bila kereta kena gores atau side mirror tiba-tiba pecah. Persoalan pertama yang muncul \u2014 cover insurans ke tak? Artikel ini terangkan perlindungan sebenar bagi kerosakan kecil tetapi mahal ini, termasuk bila boleh claim, bila tak boleh, dan pilihan yang paling selamat.<\/p>\n","protected":false},"author":31,"featured_media":56741,"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":[243,360],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kereta Kena Gores atau Side Mirror Pecah \u2014 Cover Ke? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Kereta Kena Gores atau Side Mirror Pecah \u2014 Cover Ke? 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