{"id":58473,"date":"2025-12-19T15:27:06","date_gmt":"2025-12-19T07:27:06","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=58473"},"modified":"2025-12-19T15:27:09","modified_gmt":"2025-12-19T07:27:09","slug":"kes-kemalangan-yang-melibatkan-bukan-pemandu-sahaja","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kes-kemalangan-yang-melibatkan-bukan-pemandu-sahaja","title":{"rendered":"Kes Kemalangan yang Melibatkan Bukan Pemandu Sahaja"},"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-69d486e88cd99\" 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-69d486e88cd99\"><\/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\/kes-kemalangan-yang-melibatkan-bukan-pemandu-sahaja\/#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\/kes-kemalangan-yang-melibatkan-bukan-pemandu-sahaja\/#Siapa_Boleh_Tuntut_Dalam_Kes_Kemalangan\" title=\"Siapa Boleh Tuntut Dalam Kes Kemalangan?\">Siapa Boleh Tuntut Dalam Kes Kemalangan?<\/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\/kes-kemalangan-yang-melibatkan-bukan-pemandu-sahaja\/#Prosedur_Tuntutan\" title=\"Prosedur Tuntutan\">Prosedur 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\/kes-kemalangan-yang-melibatkan-bukan-pemandu-sahaja\/#Implikasi_Terhadap_Polisi_NCD\" title=\"Implikasi Terhadap Polisi &amp; NCD\">Implikasi Terhadap Polisi &amp; NCD<\/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\/kes-kemalangan-yang-melibatkan-bukan-pemandu-sahaja\/#Tips_Elak_Konflik_Masalah\" title=\"Tips Elak Konflik &amp; Masalah\">Tips Elak Konflik &amp; Masalah<\/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\/kes-kemalangan-yang-melibatkan-bukan-pemandu-sahaja\/#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>Dalam banyak kes kemalangan yang melibatkan pemandu, bukan sahaja pemandu yang terlibat dalam tuntutan insurans\u2014penumpang dan pihak ketiga juga boleh membuat tuntutan mereka sendiri. Situasi ini boleh menjadi kompleks, terutama apabila ketiga-tiga pihak menuntut serentak. Artikel ini membincangkan hak setiap pihak, langkah tuntutan yang perlu diambil, dan cara untuk memastikan polisi insurans anda tetap sah serta perlindungan terjamin.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Siapa_Boleh_Tuntut_Dalam_Kes_Kemalangan\"><\/span><strong>Siapa Boleh Tuntut Dalam Kes Kemalangan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li><strong>Pemandu:<\/strong> Dilindungi oleh insurans kereta sedia ada untuk kerosakan kenderaan sendiri (komprehensif) atau tanggungan pihak ketiga.<br><\/li><li><strong>Penumpang:<\/strong> Memerlukan perlindungan Personal Accident (PA) atau add-on yang relevan untuk menampung kos perubatan dan kehilangan upaya.<br><\/li><li><strong>Pihak Ketiga:<\/strong> Boleh menuntut ganti rugi untuk kerosakan harta atau kecederaan melalui polisi pihak ketiga pemandu.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Prosedur_Tuntutan\"><\/span><strong>Prosedur Tuntutan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Laporkan kemalangan segera kepada pihak polis dan ambil laporan polis.<br><\/li><li>Ambil gambar lokasi, kenderaan, dan kecederaan untuk bukti.<br><\/li><li>Hubungi syarikat insurans masing-masing dan sediakan dokumen yang diperlukan.<br><\/li><li>Pantau proses tuntutan untuk setiap pihak dan simpan rekod komunikasi.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Implikasi_Terhadap_Polisi_NCD\"><\/span><strong>Implikasi Terhadap Polisi &amp; NCD<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Claim yang dibuat oleh pemandu boleh menjejaskan No Claim Discount (NCD).<br><\/li><li>Claim penumpang atau pihak ketiga biasanya tidak menjejaskan NCD pemandu tetapi boleh menaikkan premium seterusnya.<br><\/li><li>Gap dalam polis atau maklumat tidak tepat boleh melambatkan proses tuntutan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Tips_Elak_Konflik_Masalah\"><\/span><strong>Tips Elak Konflik &amp; Masalah<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Sentiasa pastikan pemandu bernama dalam polisi insurans.<br><\/li><li>Semak sama ada penumpang dilindungi PA sebelum memulakan perjalanan.<br><\/li><li>Simpan semua bukti dan dokumen, termasuk laporan polis dan gambar kerosakan.<br><\/li><li>Fahami had perlindungan polisi anda untuk ketiga-tiga pihak.<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=\"58556\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kes-kemalangan-yang-melibatkan-bukan-pemandu-sahaja\/attachment\/3-107-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-107.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=\"3-107\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-107.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-107.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\/12\/3-107.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik menunjukkan langkah tuntutan kemalangan untuk pemandu, penumpang, dan pihak ketiga, termasuk dokumen dan bukti diperlukan.\" class=\"wp-image-58556\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-107.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-107.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-107.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-107.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-107.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<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>Kes kemalangan yang melibatkan lebih daripada satu pihak memang kompleks, tetapi dengan persediaan yang betul dan pemahaman hak masing-masing, proses tuntutan boleh berjalan lancar. Sentiasa pastikan polisi insurans anda lengkap, penumpang dilindungi, dan dokumentasi dikemaskini untuk mengelak sebarang konflik.<\/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=kes-kemalangan-yang-melibatkan-bukan-pemandu-sahaja\" 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\/kesilapan-renew-insurans-kereta-di-malaysia\">Kesilapan Renew Insurans Kereta di Malaysia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kerosakan-bateri-ev-di-malaysia-cara-pencegahan\">Kerosakan Bateri EV di Malaysia \u2013 Cara Pencegahan<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kemaskini-enjin-atau-nombor-enjin-jpj-panduan-ringkas\">Kemaskini Enjin atau Nombor Enjin JPJ \u2013 Panduan Ringkas<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Kes kemalangan yang melibatkan pemandu boleh menjadi rumit apabila penumpang dan pihak ketiga turut membuat tuntutan. Ketahui hak, prosedur tuntutan, dan cara elak konflik untuk memastikan perlindungan insurans sah.<\/p>\n","protected":false},"author":31,"featured_media":58535,"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":[243,1196,3397,3398,1895],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kes Kemalangan yang Melibatkan Bukan Pemandu Sahaja | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Kes Kemalangan yang Melibatkan Bukan Pemandu Sahaja dan Cara Pencegahan Untuk Elak Masalah\" \/>\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\/kes-kemalangan-yang-melibatkan-bukan-pemandu-sahaja\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kes Kemalangan yang Melibatkan Bukan Pemandu Sahaja | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Kes Kemalangan yang Melibatkan Bukan Pemandu Sahaja dan Cara Pencegahan Untuk Elak Masalah\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kes-kemalangan-yang-melibatkan-bukan-pemandu-sahaja\" \/>\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=\"2025-12-19T07:27:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-19T07:27:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/Kes-Kemalangan-yang-Melibatkan-Bukan-Pemandu-Sahaja.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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