{"id":58612,"date":"2025-12-20T20:17:02","date_gmt":"2025-12-20T12:17:02","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=58612"},"modified":"2025-12-20T20:17:04","modified_gmt":"2025-12-20T12:17:04","slug":"kereta-dipandu-orang-lain-tuntutan-kemalangan","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-dipandu-orang-lain-tuntutan-kemalangan","title":{"rendered":"Kereta Dipandu Orang Lain &#038; Tuntutan Kemalangan"},"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-69deb0f2ae091\" 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-69deb0f2ae091\"><\/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-dipandu-orang-lain-tuntutan-kemalangan\/#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-dipandu-orang-lain-tuntutan-kemalangan\/#Situasi_Biasa_Kereta_Dipandu_Orang_Lain\" title=\"Situasi Biasa Kereta Dipandu Orang Lain\">Situasi Biasa Kereta Dipandu Orang Lain<\/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-dipandu-orang-lain-tuntutan-kemalangan\/#Langkah_Tips_Penting\" title=\"Langkah &amp; Tips Penting\">Langkah &amp; Tips Penting<\/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-dipandu-orang-lain-tuntutan-kemalangan\/#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>Apabila kereta anda dipandu oleh orang lain dan berlaku kemalangan, ramai pemandu akan mula risau sama ada tuntutan insurans masih boleh dibuat. Situasi ini sebenarnya sangat biasa, sama ada kereta dipandu oleh pasangan, ahli keluarga, rakan, atau pemandu sementara. Namun, kekeliruan sering timbul kerana ada yang menyangka hanya pemilik kenderaan sahaja yang dilindungi oleh polisi insurans.<\/p>\n\n\n\n<p>Hakikatnya, tuntutan insurans <strong>masih boleh diproses<\/strong>, tetapi kelulusan bergantung kepada beberapa faktor penting. Antaranya ialah status lesen pemandu, jenis perlindungan insurans, dan sama ada syarat polisi dipatuhi. Tanpa pemahaman yang betul, pemandu berisiko membuat kesilapan yang boleh menyebabkan tuntutan ditolak atau proses claim menjadi lebih lambat.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Situasi_Biasa_Kereta_Dipandu_Orang_Lain\"><\/span><strong>Situasi Biasa Kereta Dipandu Orang Lain<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Antara situasi paling kerap berlaku ialah apabila kereta dipandu oleh ahli keluarga terdekat seperti pasangan atau anak. Ada juga kes di mana kenderaan dipinjamkan kepada rakan, atau dipandu oleh orang lain semasa kecemasan. Dalam kebanyakan kes ini, insurans tidak terbatal secara automatik.<\/p>\n\n\n\n<p>Namun begitu, tuntutan boleh berisiko ditolak jika pemandu tidak mempunyai lesen memandu yang sah, berada di bawah pengaruh alkohol atau dadah, atau menggunakan kenderaan untuk tujuan yang tidak dilindungi oleh polisi, seperti aktiviti komersial tanpa perlindungan yang sesuai.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Langkah_Tips_Penting\"><\/span>Langkah &amp; Tips Penting<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul><li>Pastikan pemandu mempunyai lesen memandu yang sah dan masih aktif.<br><\/li><li>Sediakan laporan polis dan bukti kemalangan secepat mungkin.<br><\/li><li>Maklumkan syarikat insurans dalam tempoh yang ditetapkan.<br><\/li><li>Simpan semua dokumen dan rujukan nombor tuntutan.<\/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=\"58676\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kereta-dipandu-orang-lain-tuntutan-kemalangan\/attachment\/3-120-3\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-120.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=\"3-120\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-120.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-120.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\/3-120.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan langkah tuntutan insurans apabila kereta dipandu orang lain dan berlaku kemalangan, termasuk dokumen dan proses kelulusan.\n\" class=\"wp-image-58676\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-120.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-120.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-120.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-120.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/12\/3-120.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>Memahami apa yang berlaku apabila kereta dipandu orang lain dan berlaku kemalangan dapat membantu pemandu bertindak dengan lebih tenang dan tersusun. Dengan memastikan pemandu sah, mematuhi syarat polisi, serta bertindak pantas selepas kemalangan, risiko tuntutan ditolak dapat dikurangkan. Persediaan yang betul bukan sahaja memudahkan proses claim, malah melindungi anda daripada kerugian kewangan 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=kereta-dipandu-orang-lain--tuntutan-kemalangan\" 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\/perbezaan-llop-add-on-insurans-kereta-biasa\">Perbezaan LLOP Add-On &amp; Insurans Kereta Biasa<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-sambung-polisi-jika-tamat-tempoh\">Cara Sambung Polisi Jika Tamat Tempoh<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/roadtax\/renew-roadtax-tergendala-data-jpj-insurer-tidak-padan\">Renew Roadtax Tergendala: Data JPJ &amp; Insurer Tidak Padan<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ramai pemandu tidak pasti sama ada tuntutan insurans masih sah jika kereta dipandu orang lain dan berlaku kemalangan. Artikel ini terangkan situasi biasa, risiko tuntutan ditolak, dan langkah penting untuk pastikan claim berjalan lancar.<\/p>\n","protected":false},"author":31,"featured_media":58678,"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":[3404,3417],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kereta Dipandu Orang Lain &amp; Tuntutan Kemalangan | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Kereta Dipandu Orang Lain &amp; Tuntutan Kemalangan . 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