{"id":58207,"date":"2025-12-17T20:34:42","date_gmt":"2025-12-17T12:34:42","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=58207"},"modified":"2025-12-17T20:34:44","modified_gmt":"2025-12-17T12:34:44","slug":"kemalangan-semasa-bawa-penumpang-tindakan-insurans","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kemalangan-semasa-bawa-penumpang-tindakan-insurans","title":{"rendered":"Kemalangan Semasa Bawa Penumpang \u2014 Tindakan Insurans"},"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-69d7bfb32e958\" 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-69d7bfb32e958\"><\/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\/kemalangan-semasa-bawa-penumpang-tindakan-insurans\/#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\/kemalangan-semasa-bawa-penumpang-tindakan-insurans\/#1_Penumpang_Menjadi_Punca_Kemalangan\" title=\"1. Penumpang Menjadi Punca Kemalangan\">1. Penumpang Menjadi Punca Kemalangan<\/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\/kemalangan-semasa-bawa-penumpang-tindakan-insurans\/#2_Siapa_Bertanggungjawab\" title=\"2. Siapa Bertanggungjawab?\">2. Siapa Bertanggungjawab?<\/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\/kemalangan-semasa-bawa-penumpang-tindakan-insurans\/#3_Kesan_Kepada_Tuntutan_Insurans\" title=\"3. Kesan Kepada Tuntutan Insurans\">3. Kesan Kepada Tuntutan Insurans<\/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\/kemalangan-semasa-bawa-penumpang-tindakan-insurans\/#4_Langkah_Pemandu_Untuk_Melindungi_Diri\" title=\"4. Langkah Pemandu Untuk Melindungi Diri\">4. Langkah Pemandu Untuk Melindungi Diri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kemalangan-semasa-bawa-penumpang-tindakan-insurans\/#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>Mengalami <strong>kemalangan semasa bawa penumpang<\/strong> boleh menjadi situasi rumit kerana melibatkan lebih daripada satu pihak. Selain kerosakan kenderaan, isu tanggungjawab dan tuntutan insurans menjadi persoalan utama. Artikel ini membincangkan apa yang insurans akan lakukan, hak pemandu, dan langkah yang boleh diambil untuk melindungi semua pihak yang terlibat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Penumpang_Menjadi_Punca_Kemalangan\"><\/span><strong>1. Penumpang Menjadi Punca Kemalangan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Gangguan semasa memandu, seperti bercakap atau mengalihkan perhatian pemandu.<br><\/li><li>Tindakan fizikal yang tidak selamat, misalnya memegang stereng atau membuka pintu semasa kenderaan bergerak.<br><\/li><li>Kelakuan berisiko lain yang menyumbang kepada kemalangan.<br><\/li><\/ul>\n\n\n\n<p>Dalam kes sebegini, <strong>kemalangan semasa bawa penumpang<\/strong> masih boleh dituntut melalui polisi pemandu, tetapi pihak insurans akan menilai punca kemalangan sebelum membuat bayaran penuh.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Siapa_Bertanggungjawab\"><\/span><strong>2. Siapa Bertanggungjawab?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Pemandu:<\/strong> Polisi biasanya menanggung kerosakan kenderaan dan kecederaan penumpang, selagi tindakan pemandu tidak melanggar syarat polisi.<br><\/li><li><strong>Penumpang:<\/strong> Jika terbukti tindakan mereka menjadi punca utama, pemandu boleh membuat tuntutan peribadi terhadap penumpang, tetapi ini jarang berlaku.<br><\/li><li><strong>Pihak ketiga:<\/strong> Jika kemalangan melibatkan kereta lain atau harta benda, tuntutan pihak ketiga akan dibuat melalui insurans pemandu.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Kesan_Kepada_Tuntutan_Insurans\"><\/span><strong>3. Kesan Kepada Tuntutan Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Polisi LLOP atau add-on PA dapat menampung kos kecederaan penumpang.<br><\/li><li>Kekurangan dokumentasi atau polisi yang tidak lengkap boleh menyebabkan tuntutan ditolak.<br><\/li><li>Insurans akan menilai punca kemalangan sebelum menentukan jumlah bayaran.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Langkah_Pemandu_Untuk_Melindungi_Diri\"><\/span><strong>4. Langkah Pemandu Untuk Melindungi Diri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Tetapkan peraturan di dalam kereta supaya penumpang tidak mengganggu pemanduan.<br><\/li><li>Pastikan semua penumpang memakai tali pinggang keledar.<br><\/li><li>Dokumentasikan kejadian dengan lengkap: masa, lokasi, gambar, dan laporan polis jika perlu.<br><\/li><li>Pertimbangkan perlindungan tambahan PA atau LLOP untuk penumpang.<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=\"58278\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kemalangan-semasa-bawa-penumpang-tindakan-insurans\/attachment\/3-81-4\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-81.jpg?fit=1708%2C1080&amp;ssl=1\" data-orig-size=\"1708,1080\" 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=\"3-81\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-81.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-81.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\/12\/3-81.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan tindakan pemandu jika penumpang menjadi punca kemalangan, prosedur tuntutan insurans, dan langkah pemandu untuk lindungi diri serta penumpang.\" class=\"wp-image-58278\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-81.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-81.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-81.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-81.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-81.jpg?w=1708&amp;ssl=1 1708w\" 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>Apabila berlaku <strong>kemalangan semasa bawa penumpang<\/strong>, pemandu perlu bertindak cepat dan bijak untuk melindungi diri dan penumpang. Dengan dokumentasi lengkap, perlindungan insurans yang betul, dan pengurusan risiko yang proaktif, pemandu boleh memastikan tuntutan insurans dilaksanakan dengan lancar tanpa kerugian yang tidak dijangka.<\/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=kemalangan-semasa-bawa-penumpang--tindakan-insurans\" style=\"background-color:#ffd103\">Dapatkan Sebutharga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca Juga:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kemalangan-kecil-kos-besar-bagaimana-ia-berlaku\">Kemalangan Kecil, Kos Besar \u2014 Bagaimana Ia Berlaku<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/risiko-menggunakan-kereta-untuk-tujuan-lain-dari-polisi-asal\">Risiko Menggunakan Kereta Untuk Tujuan Lain Dari Polisi Asal<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/info\/ramai-pemandu-malaysia-tidak-fahami-fungsi-smart-lane\">Ramai Pemandu Malaysia Tidak Fahami Fungsi \u201cSmart Lane\u201d<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Apabila berlaku kemalangan semasa bawa penumpang, ramai pemandu keliru tentang apa yang dilindungi oleh insurans. Artikel ini menerangkan hak pemandu, prosedur tuntutan, dan cara melindungi diri serta penumpang.<\/p>\n","protected":false},"author":31,"featured_media":58277,"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":[243,1196,1525,2478],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kemalangan Semasa Bawa Penumpang \u2014 Tindakan Insurans | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Kemalangan Semasa Bawa Penumpang \u2014 Tindakan Insurans\" \/>\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\/kemalangan-semasa-bawa-penumpang-tindakan-insurans\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kemalangan Semasa Bawa Penumpang \u2014 Tindakan Insurans | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Kemalangan Semasa Bawa Penumpang \u2014 Tindakan Insurans\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kemalangan-semasa-bawa-penumpang-tindakan-insurans\" \/>\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=\"2025-12-17T12:34:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-17T12:34:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/1-75.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1012\" \/>\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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