{"id":7100,"date":"2021-10-28T15:10:38","date_gmt":"2021-10-28T07:10:38","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=7100"},"modified":"2021-11-08T18:49:57","modified_gmt":"2021-11-08T10:49:57","slug":"claim-insurans-terlanggar-tiang","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-terlanggar-tiang","title":{"rendered":"Bolehkah Claim Insurans Jika Kereta Terlanggar Tiang Lampu Isyarat?"},"content":{"rendered":"\n<p>Ketika sedang memandu, pernahkah anda terdetik apa yang perlu dilakukan sekiranya kereta anda secara tidak sengaja terlanggar tiang lampu isyarat sehingga menyebabkan kerosakan teruk pada kenderaan? <\/p>\n\n\n\n<p>Adakah anda boleh mengharapkan insurans kereta anda untuk membayar kos baik pulih, atau perlu menanggung kos kerosakan menggunakan wang anda sendiri?<\/p>\n\n\n\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-69d78be536b7d\" 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-69d78be536b7d\"><\/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\/claim-insurans-terlanggar-tiang\/#Boleh_ke_anda_claim_insurans\" title=\"Boleh ke anda claim insurans?\">Boleh ke anda claim insurans?<\/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\/claim-insurans-terlanggar-tiang\/#Kesan_kepada_NCD\" title=\"Kesan kepada NCD\">Kesan kepada NCD<\/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\/claim-insurans-terlanggar-tiang\/#Cara_untuk_membuat_tuntutan_di_bawah_Tuntutan_Kerosakan_Sendiri\" title=\"Cara untuk membuat tuntutan di bawah Tuntutan Kerosakan Sendiri&nbsp;\">Cara untuk membuat tuntutan di bawah Tuntutan Kerosakan Sendiri&nbsp;<\/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\/claim-insurans-terlanggar-tiang\/#Kereta_dipandu_oleh_orang_lain\" title=\"Kereta dipandu oleh orang lain?\">Kereta dipandu oleh orang lain?<\/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\/claim-insurans-terlanggar-tiang\/#Beri_perlindungan_secukupnya\" title=\"Beri perlindungan secukupnya\">Beri perlindungan secukupnya<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Boleh_ke_anda_claim_insurans\"><\/span>Boleh ke anda claim insurans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jawapannya adalah ya. Anda boleh membuat tuntutan insurans untuk membayar ganti rugi pada kenderaan tetapi ia tetap bergantung kepada polisi insurans yang dimiliki oleh anda pada ketika itu.<\/p>\n\n\n\n<p>Namun, tuntutan insurans hanya boleh dibuat sekiranya polisi tersebut adalah <a href=\"https:\/\/bjak.my\/blog\/fahami-jenis-jenis-polisi-insurans-kereta\/#Insurans_Komprehensif\">polisi komprehensif<\/a>. Dengan polisi komprehensif, anda boleh membuat tuntutan di bawah Tuntutan Kerosakan Sendiri (<em>Own Damage Claim<\/em>) sekiranya kenderaan melanggar objek yang ada di atas jalan raya seperti tiang lampu, pokok, pembahagi jalan, dan sebagainya.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesan_kepada_NCD\"><\/span>Kesan kepada NCD<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda perlu tahu bahawa apabila tuntutan di bawah Tuntutan Kerosakan Sendiri&nbsp;dibuat, polisi anda secara automatik akan kehilangan No-Claim Discount (NCD).<\/p>\n\n\n\n<p>Ini bermakna, meskipun <a href=\"https:\/\/bjak.my\/blog\/terma-penting-dalam-insurans-kereta\/#Diskaun_tiada_tuntutan_No-claim_discount_NCD\">kadar NCD<\/a> anda pada ketika itu adalah sebanyak 55%, kadar tersebut akan kembali kepada 0% pada tahun berikutnya yang secara tidak langsung mengakibatkan premium anda menjadi lebih mahal ketika memperbaharui insurans.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_untuk_membuat_tuntutan_di_bawah_Tuntutan_Kerosakan_Sendiri\"><\/span>Cara untuk membuat tuntutan di bawah Tuntutan Kerosakan Sendiri&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"7814\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-terlanggar-tiang\/attachment\/photo_2021-10-26_16-31-34\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo_2021-10-26_16-31-34.jpg?fit=1280%2C642&amp;ssl=1\" data-orig-size=\"1280,642\" 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;0&quot;}\" data-image-title=\"photo_2021-10-26_16-31-34\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo_2021-10-26_16-31-34.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo_2021-10-26_16-31-34.jpg?fit=1080%2C542&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"542\" src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/photo_2021-10-26_16-31-34-1080x542.jpg?resize=1080%2C542&#038;ssl=1\" alt=\"Cara membuat tuntutan insurans \" class=\"wp-image-7814\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo_2021-10-26_16-31-34.jpg?resize=1080%2C542&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo_2021-10-26_16-31-34.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo_2021-10-26_16-31-34.jpg?resize=768%2C385&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/photo_2021-10-26_16-31-34.jpg?w=1280&amp;ssl=1 1280w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Di bawah ini merupakan penjelasan lengkap mengenai langkah-langkah yang perlu anda lakukan untuk membuat tuntutan insurans:&nbsp;<\/p>\n\n\n\n<ol><li>Hubungi syarikat insurans anda untuk memaklumkan mengenai kemalangan dalam tempoh 7 hari ia berlaku. Jika kenderaan anda mengalami kerosakan yang teruk sehingga memerlukan bantuan kecemasan, hubungi sahaja talian bebas tol mereka. <\/li><li>Segera buat laporan di balai polis dalam tempoh 24 jam selepas terlibat dalam kemalangan.<\/li><li>Hantar kenderaan ke bengkel panel syarikat insurans untuk pemeriksaan. Jika kereta anda dihantar ke bengkel selain bengkel panel, ia akan menyukarkan proses tuntutan dan berkemungkinan kos pembaikan juga akan bertambah.<\/li><li>Sediakan dokumen penting dan serahkan kepada syarikat insurans anda untuk tuntutan. Dokumen-dokumen yang diperlukan adalah:<ol><li>borang tuntutan<\/li><li>salinan asal laporan polis<\/li><li>salinan kad pengenalan<\/li><li>salinan lesen memandu<\/li><li>sijil pemilikan kenderaan <\/li><\/ol><\/li><\/ol>\n\n\n\n<p>5. Semak dengan syarikat insurans bagi mengetahui tentang alat ganti baik pulih yang dibuat oleh bengkel panel anda<\/p>\n\n\n\n<p>6. Tandatangan borang pelepasan syarikat insurans apabila sudah berpuas hati dengan kereta anda selepas dibaik pulih.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kereta_dipandu_oleh_orang_lain\"><\/span>Kereta dipandu oleh orang lain?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"7167\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/claim-insurans-terlanggar-tiang\/attachment\/image-4_-orang-sedang-memandu\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Orang-sedang-memandu.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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;0&quot;}\" data-image-title=\"Image-4_-Orang-sedang-memandu\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Orang-sedang-memandu.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Orang-sedang-memandu.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Orang-sedang-memandu-1080x608.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"Tuntutan insurans masih boleh dibuat sekiranya pelanggaran pada tiang lampu isyarat dibuat oleh pemandu lain dengan syarat ia adalah polisi komprehensif \" class=\"wp-image-7167\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Orang-sedang-memandu.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Orang-sedang-memandu.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Orang-sedang-memandu.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Orang-sedang-memandu.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-4_-Orang-sedang-memandu.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Bagaimana pula jika pelanggaran pada tiang lampu isyarat tersebut sebenarnya bukan dilakukan oleh anda, tetapi ia disebabkan oleh individu lain yang memandu kenderaan anda pada ketika itu? Adakah tuntutan di bawah Tuntutan Kerosakan Sendiri masih boleh dilakukan?<\/p>\n\n\n\n<p>Jawapannya adalah ya. Anda masih boleh membuat tuntutan, dengan syarat polisi anda adalah polisi insurans komprehensif.&nbsp;<\/p>\n\n\n\n<p>Bagaimanapun, perlu anda ketahui bahawa anda akan diminta untuk membayar <a href=\"https:\/\/bjak.my\/blog\/terma-penting-dalam-insurans-kereta\/#Excess\">excess<\/a> sebanyak RM400 sekiranya pemandu tersebut tidak dinamakan di dalam polisi anda.&nbsp;<\/p>\n\n\n\n<p>Ketahui lebih lanjut mengenai <a href=\"https:\/\/bjak.my\/blog\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Perlindungan_pemandu_tambahan\">perlindungan tambahan untuk pemandu tambahan<\/a> menerusi perkongsian yang telah diberikan sebelum ini.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Beri_perlindungan_secukupnya\"><\/span>Beri perlindungan secukupnya<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ketika memandu, setiap daripada kita sememangnya terdedah dengan pelbagai risiko sama ada membabitkan pihak lain, mahupun disebabkan oleh diri sendiri. Jadi sebagai persediaan, ambillah perlindungan insurans kereta yang secukupnya bagi memastikan kenderaan dan diri anda dilindungi dengan lebih baik.<\/p>\n\n\n\n<p>Dapatkan juga perlindungan tambahan yang dirasakan perlu, mengikut risiko dan tahap penggunaan kereta anda. Ketahui <a href=\"https:\/\/bjak.com\/blog\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/#Liabiliti_Undang-undang_kepada_Penumpang\">jenis-jenis perlindungan tambahan<\/a> yang boleh anda miliki melalui artikel ini.<\/p>\n\n\n\n<p>Sementara itu, pastikan anda tidak lewat untuk memperbaharui insurans. Jika ia hampir tamat tempoh, perbaharuilah sekarang. Anda juga boleh menggunakan platform Bjak yang menyediakan perlindungan pelan terbaik daripada pelbagai syarikat insurans yang diiktiraf. <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogms\">Minta sebut harga<\/a> sekarang dan terima dalam hanya tempoh 3 minit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pelanggaran kereta pada tiang lampu isyarat boleh menyebabkan kerosakan yang teruk pada kenderaan. <\/p>\n","protected":false},"author":4,"featured_media":7165,"comment_status":"closed","ping_status":"open","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":[26,37,243,496,137,216],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bolehkah Claim Insurans Jika Kereta Terlanggar Tiang Lampu Isyarat? | BJAK<\/title>\n<meta name=\"description\" content=\"Pelanggaran kereta pada tiang lampu isyarat boleh menyebabkan kerosakan yang teruk pada kenderaan. 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