{"id":6520,"date":"2025-01-09T12:02:31","date_gmt":"2025-01-09T04:02:31","guid":{"rendered":"https:\/\/jomlevelup.my\/?page_id=6520"},"modified":"2025-02-04T17:31:30","modified_gmt":"2025-02-04T09:31:30","slug":"atl-ber","status":"publish","type":"page","link":"https:\/\/jomlevelup.my\/bm\/atl-ber\/","title":{"rendered":"ATL\/BER"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"6520\" class=\"elementor elementor-6520\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4094b4e5 elementor-section-full_width elementor-section-height-min-height elementor-section-stretched elementor-section-height-default elementor-section-items-middle\" data-id=\"4094b4e5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1349df0f\" data-id=\"1349df0f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5c6ffe5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c6ffe5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4ce9d85c\" data-id=\"4ce9d85c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-490bb150 bgTitle elementor-widget elementor-widget-heading\" data-id=\"490bb150\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Apa sebenarnya kenderaan rosak secara menyeluruh?<br>\n<span class=\"specialSmallforPageTittle\">Jom huraikan satu persatu.<\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2ac2ce10 elementor-section-full_width elementor-section-stretched elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"2ac2ce10\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-17c03f04\" data-id=\"17c03f04\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-30767c5 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30767c5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-359ea589\" data-id=\"359ea589\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c7bc196 elementor-align-center eng elementor-widget elementor-widget-button\" data-id=\"6c7bc196\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/PIAM_ATL-BER_Infographic-.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download e-flyer on ATL\/BER<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2af4afe8 elementor-align-center bm elementor-widget elementor-widget-button\" data-id=\"2af4afe8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/PIAM_ATL-BER_Infographic-.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Muat turun e-risalah tentang ATL\/BER<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4c671d0e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c671d0e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4d3cf8fd\" data-id=\"4d3cf8fd\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35762b33 elementor-widget elementor-widget-image\" data-id=\"35762b33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"622\" height=\"622\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt_Otto-1.png\" class=\"attachment-full size-full wp-image-6528\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt_Otto-1.png 622w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt_Otto-1-500x500.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt_Otto-1-300x300.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt_Otto-1-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt_Otto-1-150x150.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt_Otto-1-75x75.png 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt_Otto-1-480x480.png 480w\" sizes=\"(max-width:767px) 480px, 622px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-76a82832\" data-id=\"76a82832\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38568acb elementor-widget elementor-widget-text-editor\" data-id=\"38568acb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sesebuah kenderaan akan diisytiharkan kerosakkan secara menyeluruh <em>(total loss)<\/em> oleh pengendali takaful am\/syarikat insurans sekiranya kenderaan tersebut tidak selamat, tidak dapat dibaiki atau kos anggaran untuk baik pulih kereta tersebut melebihi nilai tunai sebenar <em>(\u2018Actual Cash Value\u2019, ACV) <\/em>kenderaan tersebut.\n<br><br>\nSituasi ini biasanya berlaku apabila kerosakan sangat kritikal, sehingga kos pembaikan melebih kos penggantian kenderaan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bf37968 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bf37968\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-79994a6\" data-id=\"79994a6\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-71495d4 elementor-widget elementor-widget-text-editor\" data-id=\"71495d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Keputusan untuk membaiki kenderaan bergantung pada jenis kerosakan, seperti kerosakan dari segi struktur atau estetika. Faktor-faktor ini akan ditentukan oleh ajuster kerugian yang dilantik pengendali takaful am\/syarikat insurans anda.<\/p><p>Terdapat dua kategori tuntutan kenderaan untuk kerosakkan secara menyeluruh iaitu:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5e41ee2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e41ee2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-00cb9cf\" data-id=\"00cb9cf\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3da6aac elementor-position-left elementor-position-top elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"3da6aac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"#ATL\" tabindex=\"-1\"><img decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon01.png\" class=\"attachment-full size-full wp-image-6532\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon01.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon01-300x300.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon01-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon01-150x150.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon01-75x75.png 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon01-480x480.png 480w\" sizes=\"(max-width:767px) 480px, 500px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h5 class=\"elementor-image-box-title\"><a href=\"#ATL\">Kerosakan Secara Menyeluruh<br>\n<em>(Actual Total Loss, ATL)<\/em> <\/a><\/h5><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-faf11f8\" data-id=\"faf11f8\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f93bc27 elementor-position-left elementor-position-top elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"f93bc27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"#BER\" tabindex=\"-1\"><img decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon02.png\" class=\"attachment-full size-full wp-image-6533\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon02.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon02-300x300.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon02-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon02-150x150.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon02-75x75.png 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/ATL-Icon02-480x480.png 480w\" sizes=\"(max-width:767px) 480px, 500px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h5 class=\"elementor-image-box-title\"><a href=\"#BER\">Kenderaan Tidak Berhemat Dibaiki<br>\n<em>(Beyond Economic Repair, BER)<\/em><\/a><\/h5><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-80c33ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"80c33ef\" data-element_type=\"section\" data-e-type=\"section\" id=\"ATL\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-bfef7d0\" data-id=\"bfef7d0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c1ec8d8 elementor-widget elementor-widget-image\" data-id=\"c1ec8d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1444\" height=\"960\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner02.jpg\" class=\"attachment-full size-full wp-image-6541\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner02.jpg 1444w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner02-500x332.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner02-1200x798.jpg 1200w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner02-300x199.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner02-768x511.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner02-18x12.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner02-113x75.jpg 113w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner02-480x319.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1444px) 100vw, 1444px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5c073c18 elementor-section-full_width elementor-section-stretched elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"5c073c18\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-25ee7b58\" data-id=\"25ee7b58\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-035509b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"035509b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-f0012f4\" data-id=\"f0012f4\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a3640ea standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"a3640ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Apa sebenarnya kenderaan berstatus Kerugian Menyeluruh Sebenar (ATL) ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30c874c elementor-widget elementor-widget-text-editor\" data-id=\"30c874c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ini merujuk pada situasi di mana kenderaan bermotor telah mengalami kerosakan kritikal yang menjejaskan struktur utama casis, menjadikan kenderaan itu tidak boleh diperbaiki atau dipulihkan dalam keadaan selamat dan perlu dilupuskan.<\/p><p>Pengendali takaful am atau syarikat insurans anda akan memastikan kenderaan-kenderaan ATL diuruskan dengan berhemat. Ini termasuklah melaporkan status kenderaan ATL kepada Jabatan Pengangkutan Jalan (JPJ), penyimpanan yang rapi dan pelupusan kad pendaftaran <em>(\u2018Registration Card\u2019, RC)<\/em> mengikut garis panduan JPJ, serta pelupusan kenderaan-kenderaan ATL.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b3c712 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"3b3c712\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Kenderaan boleh diisytiharkan sebagai ATL jika:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7378cb77 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"7378cb77\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-e4d00bc\" data-id=\"e4d00bc\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c0c8a7d elementor-widget elementor-widget-image\" data-id=\"4c0c8a7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/elementor\/thumbs\/3-main-reasons-vehicle-can-be-declared-ATL-1-qzqjyj1u8naoy2uqy8mge9qhxa4wesjq95t0w51974.png\" title=\"3-main-reasons-vehicle-can-be-declared-ATL&#8212;1\" alt=\"3-main-reasons-vehicle-can-be-declared-ATL---1\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b55990c elementor-widget elementor-widget-text-editor\" data-id=\"b55990c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tKerosakan kritikal\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-39fb6fa2\" data-id=\"39fb6fa2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76a82de4 elementor-widget elementor-widget-image\" data-id=\"76a82de4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/elementor\/thumbs\/3-main-reasons-vehicle-can-be-declared-ATL-2-qzqjzzosvdar08qaevdk9wgb6uxgducp4ec7rmv7io.png\" title=\"3-main-reasons-vehicle-can-be-declared-ATL&#8212;2\" alt=\"3-main-reasons-vehicle-can-be-declared-ATL---2\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63180c42 elementor-widget elementor-widget-text-editor\" data-id=\"63180c42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tStruktur casis utama terjejas\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-51bcd7f5\" data-id=\"51bcd7f5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-367c49d elementor-widget elementor-widget-image\" data-id=\"367c49d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/elementor\/thumbs\/3-main-reasons-vehicle-can-be-declared-ATL-3-qzqk04dztjh6majgnfep4d9m5saagbvct1ln60o8nk.png\" title=\"3-main-reasons-vehicle-can-be-declared-ATL&#8212;3\" alt=\"3-main-reasons-vehicle-can-be-declared-ATL---3\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45dd1e22 elementor-widget elementor-widget-text-editor\" data-id=\"45dd1e22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tKenderaan tidak boleh dibaiki dengan selamat atau dipulihkan untuk kegunaan di jalan raya\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-dd631fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dd631fe\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7f1e31d\" data-id=\"7f1e31d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d8a7566 elementor-widget elementor-widget-text-editor\" data-id=\"d8a7566\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><i>Nota: Anda boleh menyemak status kenderaan-kenderaan ATL di  <a class=\"textLink\" href=\"https:\/\/www.mycarinfo.com.my\/VehicleCheck\" target=\"_blank\">https:\/\/www.mycarinfo.com.my\/VehicleCheck<\/a><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-404935f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"404935f\" data-element_type=\"section\" data-e-type=\"section\" id=\"BER\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8eb7522\" data-id=\"8eb7522\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64127e3 elementor-widget elementor-widget-image\" data-id=\"64127e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1800\" height=\"1200\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner03.jpg\" class=\"attachment-full size-full wp-image-6555\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner03.jpg 1800w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner03-500x333.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner03-1200x800.jpg 1200w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner03-300x200.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner03-768x512.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner03-1536x1024.jpg 1536w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner03-18x12.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner03-113x75.jpg 113w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-banner03-480x320.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1800px) 100vw, 1800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-539d556 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"539d556\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-441e8ec\" data-id=\"441e8ec\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a5b0d3 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"8a5b0d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Apa pula kenderaan Kenderaan Tidak Berhemat Dibaiki (BER)?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a8867c elementor-widget elementor-widget-text-editor\" data-id=\"2a8867c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ini merujuk pada keadaan di mana kenderaan motor yang rosak tidak lagi berbaloi untuk dibaiki atau dipulihkan dari sudut kewangan. Ini kerana kos pembaikan atau pemulihan hingga layak dipandu di jalan raya sebelum kerosakan berlaku, melebihi nilai pasaran atau melebihi nilai tunai sebenar kenderaan yang dilindungi tersebut.<\/p><p>Pengendali takaful am atau syarikat insurans anda akan melaporkan kenderaan berstatus BER kepada JPJ, tidak melebihi lima (5) hari bekerja, bermula dari tarikh tawaran penyelesaian BER diterima oleh pihak takaful\/polisi\/sijil yang terlibat. Kenderaan BER kemudiannya boleh diperoleh syarikat pelelong atau bengkel pembaikan untuk dibaik pulih dan peroleh sijil kelayakan memandu di jalan daripada penyedia pemeriksaan kenderaan yang sah, seperti PUSPAKOM, sebelum dijual. Kad Pendaftaran kenderaan itu pula akan dikeluarkan oleh pengendali takaful am atau syarikat insurans anda<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-740db28 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"740db28\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-861d305\" data-id=\"861d305\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-045e0fe standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"045e0fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Berapa jumlah pampasan yang boleh saya terima untuk kenderaan kenderaan rosak secara menyeluruh?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3122ff6 elementor-widget elementor-widget-text-editor\" data-id=\"3122ff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPembayaran tuntutan ditentukan berdasarkan beberapa faktor seperti liabiliti anda dalam insiden tersebut, liputan perlindungan takaful\/polisi, dan amaun ditentukan yang diinsuranskan\/diliputi, antara nilai pasaran atau nilai dipersetujui. Jika anda memilih nilai pasaran, jumlah pampasan adalah berdasarkan nilai pasaran kereta pada masa berlakunya kemalangan, bukan ketika masa pembaharuan insurans berbanding nilai dipersetujui di mana pengendali takaful am atau syarikat insurans akan memberi pampasan kepada anda seperti dipersetujui dalam sijil\/polisi motor\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-16890b0 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"16890b0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-66171a9 rotateGbG\" data-id=\"66171a9\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fa13211 mobileBreakWord elementor-widget elementor-widget-text-editor\" data-id=\"fa13211\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><span style=\"color: #ffffff;\">Sentiasa dapatkan nasihat lebih lanjut daripada pengendali takaful am atau insurans am anda.<\/span><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1d49430\" data-id=\"1d49430\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-828768c elementor-widget elementor-widget-image\" data-id=\"828768c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"559\" height=\"438\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-tips01.png\" class=\"attachment-full size-full wp-image-6574\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-tips01.png 559w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-tips01-500x392.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-tips01-300x235.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-tips01-15x12.png 15w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-tips01-96x75.png 96w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/alt-tips01-480x376.png 480w\" sizes=\"(max-width:767px) 480px, 559px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-efc5061 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"efc5061\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0841eb1\" data-id=\"0841eb1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ce4bb5 elementor-align-center eng elementor-widget elementor-widget-button\" data-id=\"4ce4bb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/PIAM_ATL-BER_Infographic-.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download e-flyer on ATL\/BER<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eaf3715 elementor-align-center bm elementor-widget elementor-widget-button\" data-id=\"eaf3715\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/01\/JLU_ATL-BER-BM.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Muat turun e-risalah tentang ATL\/BER<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b005ffe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b005ffe\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b6047b4\" data-id=\"b6047b4\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d1062d elementor-widget elementor-widget-image\" data-id=\"6d1062d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"584\" height=\"245\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu.png\" class=\"attachment-full size-full wp-image-1423\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu.png 584w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu-500x210.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu-300x126.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu-150x63.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu-480x201.png 480w\" sizes=\"(max-width:767px) 480px, 584px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-70f0a15\" data-id=\"70f0a15\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b20f22 elementor-widget elementor-widget-text-editor\" data-id=\"0b20f22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tArtikel ini adalah oleh <span style=\"color: #336842;\"><a style=\"color: #336842;\" href=\"https:\/\/piam.org.my\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Persatuan Insurans Am Malaysia (PIAM)<\/span><\/a> <\/span>dan <span style=\"color: #336842;\"><a style=\"color: #336842;\" href=\"https:\/\/takaful4all.org\/ms\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Malaysian Takaful Association (MTA)<\/span><\/a>.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-52a6d8a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"52a6d8a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6b0d5e6\" data-id=\"6b0d5e6\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d79b28 elementor-widget elementor-widget-text-editor\" data-id=\"7d79b28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Penafian: Maklumat-maklumat yang diberikan adalah untuk pengetahuan umum sahaja. PIAM dan MTA tidak membuat sebarang perwakilan atau jaminan berkenaan maklumat-maklumat ini, termasuk dan tidak terhad pada apa-apa perwakilan atau jaminan berkenaan dengan kesesuaian bagi tujuan tertentu bagi maklumat tersebut sejauh mana yang dibenarkan dari sisi undang-undang-undang. Meskipun usaha-usaha sudah dilaksanakan untuk memastikan maklumat yang diletakkan dalam artikel ini adalah tepat, boleh dipercayai dan lengkap ketika tempoh penulisan, maklumat yang diberikan dalam artikel ini tidak sepatutnya diberi kebergantungan untuk membuat sebarang keputusan berkaitan kewangan, pelaburan, hartanah atau undang-undang. Tambahan lagi, maklumat ini tidak sepatutnya menggantikan nasihat daripada individu professional terlatih yang boleh mempertimbangkan fakta dan situasi peribadi anda, dan kami tidak menanggung sebarang liabiliti jika anda menggunakan maklumat ini untuk membuat sebarang keputusan.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>What is a totaled vehicle? Let\u2019s break it down. Download e-flyer on ATL\/BER Muat turun e-risalah<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":7,"comment_status":"open","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6520","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ATL\/BER - Jom Level Up<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jomlevelup.my\/bm\/atl-ber\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ATL\/BER - Jom Level Up\" \/>\n<meta property=\"og:description\" content=\"What is a totaled vehicle? Let\u2019s break it down. 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