{"id":59855,"date":"2026-05-02T14:58:05","date_gmt":"2026-05-02T06:58:05","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=59855"},"modified":"2026-09-18T14:21:02","modified_gmt":"2026-09-18T06:21:02","slug":"tempoh-claim-insurans-kereta-berapa-lama-sebenarnya","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya","title":{"rendered":"Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya?"},"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-6ab38c57152f4\" 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-6ab38c57152f4\"><\/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\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\/#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\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\/#Senarai_Semak_Kelayakan\" title=\"Senarai Semak Kelayakan\">Senarai Semak Kelayakan<\/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\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\/#Bagaimana_Ia_Terjejas\" title=\"Bagaimana Ia Terjejas\">Bagaimana Ia Terjejas<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\/#Jenis_Claim\" title=\"Jenis Claim\">Jenis 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\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\/#Pilihan_Bengkel\" title=\"Pilihan Bengkel\">Pilihan Bengkel<\/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\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\/#Kerumitan_Claim\" title=\"Kerumitan Claim\">Kerumitan Claim<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\/#Langkah-langkah_dan_Masa_Proses_Claim_Insurans_Kereta\" title=\"Langkah-langkah dan Masa Proses Claim Insurans Kereta\">Langkah-langkah dan Masa Proses Claim Insurans Kereta<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\/#Rumusan_Keseluruhan_Timeline_Claim\" title=\"Rumusan Keseluruhan Timeline Claim\">Rumusan Keseluruhan Timeline Claim<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\/#Cara_Percepatkan_Proses\" title=\"Cara Percepatkan Proses\">Cara Percepatkan Proses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\/#FAQ\" title=\"FAQ\">FAQ<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span>Pengenalan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda terlibat kemalangan. Dah buat laporan polis, hubungi insurer, dan hantar kereta ke bengkel. Sekarang anda tunggu \u2014 dan tak siapa beritahu berapa lama ia patut ambil. Sebenarnya, tempoh claim insurans kereta Malaysia ikut urutan yang agak boleh diramal. Tapi kebanyakan pemandu tak pernah nampak ia disusun dengan jelas. Bila anda tahu apa setiap langkah melibatkan, proses itu jadi jauh kurang tekanan.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Senarai_Semak_Kelayakan\"><\/span>Senarai Semak Kelayakan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Polisi insurans komprehensif atau pihak ketiga yang sah semasa kemalangan<\/li><li>Laporan polis difail dalam 24 jam (wajib untuk kecederaan, kerosakan ketara, atau pertikaian kesalahan)<\/li><li>Foto kerosakan dan tempat kemalangan<\/li><li>Butiran pemandu lain (jika berkenaan)<\/li><li>Nombor polisi anda dan nombor hotline tuntutan insurer<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_Ia_Terjejas\"><\/span>Bagaimana Ia Terjejas<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jenis_Claim\"><\/span>Jenis Claim<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Claim untuk kerosakan sendiri (contohnya anda dipersalahkan atau kemalangan melibatkan satu kenderaan) biasanya diproses oleh syarikat insurans anda sendiri. Bagi claim pihak ketiga pula (apabila pemandu lain yang bersalah), tuntutan dibuat melalui insurer pihak tersebut, yang boleh mengambil masa lebih lama kerana melibatkan syarikat yang tiada hubungan terus dengan anda. Sementara itu, sistem knock-for-knock membolehkan setiap pihak membuat tuntutan kepada insurer masing-masing tanpa perlu menentukan siapa bersalah terlebih dahulu, menjadikan prosesnya lebih cepat.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Pilihan_Bengkel\"><\/span>Pilihan Bengkel<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Bengkel panel uruskan claim terus dengan insurer (pembaikan tanpa tunai). Bengkel bukan panel perlukan anda bayar dahulu dan hantar untuk pembayaran balik \u2014 menambah 2\u20134 minggu pada jumlah proses. Pilihan tunggal ini jejas timeline anda lebih dari hampir mana-mana faktor lain.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kerumitan_Claim\"><\/span>Kerumitan Claim<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Kemalangan kecil yang jelas kesalahannya bergerak cepat. Kemalangan dengan kesalahan dipertikaikan, kerosakan struktur besar, atau dokumentasi tak lengkap boleh ambil dua hingga tiga kali lebih lama.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Langkah-langkah_dan_Masa_Proses_Claim_Insurans_Kereta\"><\/span>Langkah-langkah dan Masa Proses Claim Insurans Kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Langkah<\/strong><\/td><td><strong>Tindakan \/ Penerangan<\/strong><\/td><td><strong>Tempoh Masa Realistik<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Langkah 1<\/strong><\/td><td><strong>Laporan Polis:<\/strong> Failkan laporan polis di balai berhampiran (wajib untuk kecederaan, kerosakan ketara, atau pertikaian).<\/td><td><strong>Dalam masa 24 jam<\/strong> (Proses di balai: 1\u20133 jam bergantung giliran)<\/td><\/tr><tr><td><strong>Langkah 2<\/strong><\/td><td><strong>Maklumkan Insurer:<\/strong> Hubungi hotline tuntutan syarikat insurans secepat mungkin untuk mendapatkan nombor rujukan claim.<\/td><td><strong>Hari yang sama<\/strong> (Proses: 15\u201330 minit)<\/td><\/tr><tr><td><strong>Langkah 3<\/strong><\/td><td><strong>Penilaian Bengkel:<\/strong> Bawa\/tunda kereta ke bengkel panel untuk penilaian kerosakan awal dan penyediaan anggaran pembaikan.<\/td><td><strong>1 \u2013 3 Hari<\/strong><\/td><\/tr><tr><td><strong>Langkah 4<\/strong><\/td><td><strong>Pemeriksaan Adjuster:<\/strong> Syarikat insurans menghantar <em>adjuster<\/em> ke bengkel untuk mengesahkan kerosakan, skop, dan kos pembaikan.<\/td><td><strong>3 \u2013 7 Hari Bekerja<\/strong><\/td><\/tr><tr><td><strong>Langkah 5<\/strong><\/td><td><strong>Kelulusan Claim:<\/strong> Syarikat insurans menyemak laporan <em>adjuster<\/em> dan meluluskan tuntutan.<\/td><td><strong>3 \u2013 10 Hari Bekerja<\/strong> (claim mudah)<br><strong>2 \u2013 4 Minggu<\/strong> (claim rumit)<\/td><\/tr><tr><td><strong>Langkah 6<\/strong><\/td><td><strong>Kerja Pembaikan:<\/strong> Bengkel mula membaiki kereta. Tempoh bergantung pada tahap kerosakan, stok alat ganti, dan beban kerja bengkel.<\/td><td><strong>5 \u2013 21 Hari<\/strong><\/td><\/tr><tr><td><strong>Langkah 7<\/strong><\/td><td><strong>Pengambilan Kenderaan:<\/strong> Ambil kereta dari bengkel setelah pembaikan siap.<\/td><td>Bergantung pada penyelesaian (Jika bukan panel, tambah 2\u20134 minggu untuk tuntutan wang)*<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Rumusan_Keseluruhan_Timeline_Claim\"><\/span>Rumusan Keseluruhan Timeline Claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Jenis Claim<\/strong><\/td><td><strong>Tempoh Keseluruhan<\/strong><\/td><td><strong>Situasi Biasa<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Proses Mudah<\/strong><\/td><td><strong>2 \u2013 4 Minggu<\/strong><\/td><td>Kerosakan kecil, menggunakan bengkel panel, dan pertikaian kesalahan yang jelas.<\/td><\/tr><tr><td><strong>Claim Sederhana<\/strong><\/td><td><strong>4 \u2013 6 Minggu<\/strong><\/td><td>Kerosakan sederhana, melibatkan tempahan alat ganti kenderaan.<\/td><\/tr><tr><td><strong>Claim Rumit<\/strong><\/td><td><strong>6 \u2013 10 Minggu atau lebih<\/strong><\/td><td>Kerosakan besar, status kesalahan dipertikaikan, atau menggunakan bengkel bukan panel.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Percepatkan_Proses\"><\/span>Cara Percepatkan Proses<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li>Fail laporan polis segera \u2014 tetingkap 24 jam penting<\/li><li>Hubungi insurer hari sama \u2014 notifikasi awal bermakna adjuster ditugaskan lebih awal<\/li><li>Guna bengkel panel \u2014 claim tanpa tunai langkau langkah pembayaran balik<\/li><li>Sediakan dokumentasi lengkap \u2014 kertas kerja tak lengkap punca utama kelewatan<\/li><li>Buat susulan setiap beberapa hari \u2014 jangan andaikan senyap bermakna kemajuan<\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAQ\"><\/span>FAQ<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol><li><strong>Berapa lama claim insurans kereta ambil di Malaysia?<\/strong><br>Biasanya 2\u20134 minggu untuk claim mudah di bengkel panel. Claim rumit boleh ambil 6\u201310 minggu.<\/li><li><strong>Kenapa claim saya ambil lama?<\/strong><br>Punca biasa termasuk kelewatan adjuster, dokumentasi tak lengkap, alat ganti dalam tempahan, atau kesalahan dipertikaikan.<\/li><li><strong>Boleh semak status claim online?<\/strong><br>Sesetengah insurer tawarkan penjejakan online. Kalau tidak, hubungi hotline tuntutan dengan nombor rujukan anda.<\/li><li><strong>Saya bayar apa di bengkel panel?<\/strong><br>Biasanya hanya excess atau deductible. Insurer selesaikan selebihnya terus dengan bengkel.<\/li><li><strong>Adakah fail claim jejas NCD saya?<\/strong><br>Claim atas kesalahan reset NCD anda. Claim bukan kesalahan di mana insurer pihak lain bayar patut kekalkan NCD anda.<\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span>Kesimpulan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tempoh claim insurans kereta Malaysia boleh diramal bila anda faham setiap langkah. Kebanyakan claim mudah selesai dalam 2\u20134 minggu kalau anda guna bengkel panel, lapor segera, dan sediakan dokumentasi lengkap. Pemandu yang tersangkut biasanya yang lewat lapor, pilih bukan panel, atau tinggalkan jurang dokumentasi. Fahami prosesnya, ikut rapat, dan anda melepasi lebih cepat.<\/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=tempoh-claim-insurans-kereta--berapa-lama-sebenarnya\" 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\/tukar-syarikat-insurans-kereta-apa-yang-anda-mungkin-rugi\">Tukar Syarikat Insurans Kereta \u2014 Apa Yang Anda Mungkin Rugi<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/insurans-kereta-terpakai-kenapa-harga-tak-kena\">Insurans Kereta Terpakai \u2014 Kenapa Harga Tak Kena?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/insurans-motosikal\/insuran-motosikal-lepas-tukar-enjin-masih-dilindungi\">Insuran Motosikal Lepas Tukar Enjin? \u2013 Masih Dilindungi?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kebanyakan pemandu fail claim dan tunggu dalam gelap. Ini timeline sebenar dengan jangka masa realistik yang anda patut tahu.<\/p>\n","protected":false},"author":31,"featured_media":59858,"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":[26,243,3525,977],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya? | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya? Patut Ke Tambah Pada Polisi Insuran anda?\" \/>\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\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya? | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Insurans Kereta | Read about: Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya? Patut Ke Tambah Pada Polisi Insuran anda?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\" \/>\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=\"2026-05-02T06:58:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-18T06:21:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-Claim-Timeline-in-Malaysia-\u2014-How-Long-It-Takes.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=\"Tariq Siregar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 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! Fastest way to renew in Malaysia!\",\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bjak.my\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#primaryimage\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-Claim-Timeline-in-Malaysia-\u2014-How-Long-It-Takes.jpg?fit=1600%2C1012&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-Claim-Timeline-in-Malaysia-\u2014-How-Long-It-Takes.jpg?fit=1600%2C1012&ssl=1\",\"width\":1600,\"height\":1012},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#webpage\",\"url\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\",\"name\":\"Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya? | BJAK\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#primaryimage\"},\"datePublished\":\"2026-05-02T06:58:05+00:00\",\"dateModified\":\"2026-09-18T06:21:02+00:00\",\"description\":\"BJAK | Insurans Kereta | Read about: Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya? Patut Ke Tambah Pada Polisi Insuran anda?\",\"breadcrumb\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bjak.my\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya?\"}]},{\"@type\":\"Article\",\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#article\",\"isPartOf\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#webpage\"},\"author\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\"},\"headline\":\"Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya?\",\"datePublished\":\"2026-05-02T06:58:05+00:00\",\"dateModified\":\"2026-09-18T06:21:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#webpage\"},\"wordCount\":678,\"publisher\":{\"@id\":\"https:\/\/bjak.my\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-Claim-Timeline-in-Malaysia-\u2014-How-Long-It-Takes.jpg?fit=1600%2C1012&ssl=1\",\"keywords\":[\"BM\",\"insurans kereta\",\"tempoh claim\",\"tuntutan insurans\"],\"articleSection\":[\"Insurans Kereta\"],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8\",\"name\":\"Tariq Siregar\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g\",\"caption\":\"Tariq Siregar\"},\"description\":\"BJAK Content Team creates engaging and informative content for BJAK, Southeast Asia's largest online insurance platform. They specialize in making insurance and financial services more accessible to Malaysians through clear, user-focused articles that help readers make confident decisions about their coverage options\",\"url\":\"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya? | BJAK","description":"BJAK | Insurans Kereta | Read about: Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya? Patut Ke Tambah Pada Polisi Insuran anda?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya","og_locale":"en_US","og_type":"article","og_title":"Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya? | BJAK","og_description":"BJAK | Insurans Kereta | Read about: Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya? Patut Ke Tambah Pada Polisi Insuran anda?","og_url":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya","og_site_name":"BJAK","article_publisher":"https:\/\/www.facebook.com\/bjak.my","article_published_time":"2026-05-02T06:58:05+00:00","article_modified_time":"2026-09-18T06:21:02+00:00","og_image":[{"width":1600,"height":1012,"url":"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-Claim-Timeline-in-Malaysia-\u2014-How-Long-It-Takes.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_creator":"@bjakmy","twitter_site":"@bjakmy","twitter_misc":{"Written by":"Tariq Siregar","Est. reading time":"4 minutes"},"schema":{"@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! Fastest way to renew in Malaysia!","publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bjak.my\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#primaryimage","url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-Claim-Timeline-in-Malaysia-\u2014-How-Long-It-Takes.jpg?fit=1600%2C1012&ssl=1","contentUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-Claim-Timeline-in-Malaysia-\u2014-How-Long-It-Takes.jpg?fit=1600%2C1012&ssl=1","width":1600,"height":1012},{"@type":"WebPage","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#webpage","url":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya","name":"Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya? | BJAK","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#primaryimage"},"datePublished":"2026-05-02T06:58:05+00:00","dateModified":"2026-09-18T06:21:02+00:00","description":"BJAK | Insurans Kereta | Read about: Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya? Patut Ke Tambah Pada Polisi Insuran anda?","breadcrumb":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bjak.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya?"}]},{"@type":"Article","@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#article","isPartOf":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#webpage"},"author":{"@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8"},"headline":"Tempoh Claim Insurans Kereta \u2014 Berapa Lama Sebenarnya?","datePublished":"2026-05-02T06:58:05+00:00","dateModified":"2026-09-18T06:21:02+00:00","mainEntityOfPage":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#webpage"},"wordCount":678,"publisher":{"@id":"https:\/\/bjak.my\/blog\/#organization"},"image":{"@id":"https:\/\/bjak.my\/blog\/insurans-kereta\/tempoh-claim-insurans-kereta-berapa-lama-sebenarnya#primaryimage"},"thumbnailUrl":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-Claim-Timeline-in-Malaysia-\u2014-How-Long-It-Takes.jpg?fit=1600%2C1012&ssl=1","keywords":["BM","insurans kereta","tempoh claim","tuntutan insurans"],"articleSection":["Insurans Kereta"],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/49db3bfe17fbb2b856b6e2416fa1d6a8","name":"Tariq Siregar","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bjak.my\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0fbe00da23eb8292ff85410eb04910af?s=96&d=mm&r=g","caption":"Tariq Siregar"},"description":"BJAK Content Team creates engaging and informative content for BJAK, Southeast Asia's largest online insurance platform. They specialize in making insurance and financial services more accessible to Malaysians through clear, user-focused articles that help readers make confident decisions about their coverage options","url":"https:\/\/bjak.my\/blog\/author\/tariqsiregarbjak-my"}]}},"jetpack_featured_media_url":"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2026\/05\/Car-Insurance-Claim-Timeline-in-Malaysia-\u2014-How-Long-It-Takes.jpg?fit=1600%2C1012&ssl=1","_links":{"self":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/59855"}],"collection":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/comments?post=59855"}],"version-history":[{"count":2,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/59855\/revisions"}],"predecessor-version":[{"id":61582,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/posts\/59855\/revisions\/61582"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media\/59858"}],"wp:attachment":[{"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/media?parent=59855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/categories?post=59855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bjak.my\/blog\/wp-json\/wp\/v2\/tags?post=59855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}