{"id":4511,"date":"2024-10-26T16:15:24","date_gmt":"2024-10-26T08:15:24","guid":{"rendered":"https:\/\/jomlevelup.my\/?p=4511"},"modified":"2024-11-21T14:32:58","modified_gmt":"2024-11-21T06:32:58","slug":"claims-repairs-and-disputes-everything-you-need-to-know","status":"publish","type":"post","link":"https:\/\/jomlevelup.my\/bm\/claims-repairs-and-disputes-everything-you-need-to-know\/","title":{"rendered":"Tuntutan, Pembaikan dan Pertikaian: Apa yang perlu anda tahu"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4511\" class=\"elementor elementor-4511\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-326509c6 elementor-section-full_width elementor-section-height-min-height elementor-section-stretched elementor-section-height-default elementor-section-items-middle\" data-id=\"326509c6\" 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-30376b3e\" data-id=\"30376b3e\" 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-76a9d760 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"76a9d760\" 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-5704a95d\" data-id=\"5704a95d\" 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-732a70df bgTitle mobileBreakWord elementor-widget elementor-widget-heading\" data-id=\"732a70df\" 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\">Tuntutan, Pembaikan dan Pertikaian<\/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-35a57a15 elementor-section-full_width elementor-section-stretched elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"35a57a15\" 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-147490b9\" data-id=\"147490b9\" 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-67af359d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67af359d\" 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-76232df1\" data-id=\"76232df1\" 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-37124363 elementor-widget elementor-widget-image\" data-id=\"37124363\" 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\/2024\/07\/Article-5_Otto-1.png\" class=\"attachment-full size-full wp-image-4521\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-5_Otto-1.png 622w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-5_Otto-1-500x500.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-5_Otto-1-300x300.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-5_Otto-1-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-5_Otto-1-150x150.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-5_Otto-1-75x75.png 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/Article-5_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-779165a8\" data-id=\"779165a8\" 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-59d14f89 elementor-widget elementor-widget-text-editor\" data-id=\"59d14f89\" 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>Kemalangan jalan raya boleh berlaku bila-bila masa. Bila insiden yang tak dijangka ini berlaku, ia boleh membuatkan kita rasa keliru. Sampai satu tahap, kita mungkin terdesak hingga sanggup menerima bantuan daripada pihak tak dikenali; terutama dalam menghadapi proses tuntutan, pembaikan dan pertikaian.<\/p><p>Panduan ringkas dan padat ini adalah garis panduan untuk memahami sepenuhnya prosedur-prosedur yang betul yang boleh diguna pakai ketika kemalangan, supaya kepentingan anda sebagai pengguna sentiasa terpelihara.<\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2bd3ddf elementor-section-full_width elementor-section-stretched elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"2bd3ddf\" 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-2e8e9ae\" data-id=\"2e8e9ae\" 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-fb4dac0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fb4dac0\" 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-9e9bd6f\" data-id=\"9e9bd6f\" 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-fe2cbb3 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"fe2cbb3\" 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\"> Jenis perlindungan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ee8fdd elementor-widget elementor-widget-text-editor\" data-id=\"4ee8fdd\" 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\tPertama sekali, pemilik kenderaan mestilah memahami bahawa tujuan membeli sijil takaful\/polisi insurans atau sumbangan kepada takaful\/insurans motor bukan hanya untuk pembaharuan cukai jalan dan memandu secara sah di jalan raya semata-mata. Perlindungan takaful\/insurans motor juga boleh melindungi pemilik kenderaan ketika kemalangan. Jadi, pemilik kenderaan perlulah tahu liputan yang ditawarkan untuk pelbagai jenis perlindungan takaful\/insurans 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-65dfc8e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65dfc8e\" 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-9a6e2d9\" data-id=\"9a6e2d9\" 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-1543d90 elementor-position-left elementor-vertical-align-middle icoCenter elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"1543d90\" 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\"><img decoding=\"async\" width=\"320\" height=\"170\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/ico01.png\" class=\"attachment-full size-full wp-image-1790\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/ico01.png 320w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/ico01-300x159.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/ico01-141x75.png 141w\" sizes=\"(max-width:767px) 320px, 320px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Perlindungan Pihak Ketiga:<\/strong> Sijil takaful\/polisi insurans ini melindungi anda terhadap tuntutan yang mengakibatkan kematian atau kecederaan tubuh badan kepada orang lain (dikenali sebagai pihak ketiga), serta kerugian atau kerosakan terhadap harta pihak ketiga yang berpunca daripada kenderaan anda.<\/p><\/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-413bf59 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"413bf59\" 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-55ea90f\" data-id=\"55ea90f\" 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<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f2bb0ad elementor-position-left elementor-vertical-align-middle icoCenter elementor-widget elementor-widget-image-box\" data-id=\"f2bb0ad\" 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\"><img decoding=\"async\" width=\"320\" height=\"170\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/ico02.png\" class=\"attachment-full size-full wp-image-1791\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/ico02.png 320w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/ico02-300x159.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/ico02-141x75.png 141w\" sizes=\"(max-width:767px) 320px, 320px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Perlindungan Pihak Ketiga, Kebakaran dan Kecurian:<\/strong> Polisi ini memberikan perlindungan takaful\/insurans terhadap tuntutan untuk kecederaan tubuh badan dan kematian pihak ketiga, kerugian atau kerosakan harta pihak ketiga, dan kerugian atau kerosakan terhadap kenderaan anda sendiri akibat kecurian atau kebakaran yang tidak disengajakan.<\/p><\/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-532995b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"532995b\" 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-c95641b\" data-id=\"c95641b\" 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-484ab22 elementor-position-left elementor-vertical-align-middle icoCenter elementor-widget elementor-widget-image-box\" data-id=\"484ab22\" 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\"><img loading=\"lazy\" decoding=\"async\" width=\"320\" height=\"170\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/ico03.png\" class=\"attachment-full size-full wp-image-1792\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/ico03.png 320w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/ico03-300x159.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/ico03-141x75.png 141w\" sizes=\"(max-width:767px) 320px, 320px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Perlindungan komprehensif:<\/strong> Sijil takaful\/polisi insurans ini memberikan liputan paling luas, seperti untuk kematian dan kecederaan tubuh badan, kerugian atau kerosakan harta pihak ketiga serta  kerugian atau kerosakan terhadap kenderaan anda sendiri akibat kecurian atau kebakaran yang tidak disengajakan.<\/p><\/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-7b706af elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b706af\" 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-31ede6f\" data-id=\"31ede6f\" 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-bf044a4 elementor-widget elementor-widget-text-editor\" data-id=\"bf044a4\" 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\tApabila anda ditimpa kemalangan, cuba bertenang, dan gunakan Bantuan Tepi Jalan Digital (DRA), tak kira melalui aplikasi, WhatsApp atau emel, untuk melaporkan kemalangan kepada pengendali takaful atau syarikat insurans dan mendapatkan nasihat. Rekodkan maklumat penting tentang kemalangan dan buat laporan polis dalam masa 24 jam.\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-1908e4e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1908e4e\" 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-d9b8c8e\" data-id=\"d9b8c8e\" 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-4608d10 elementor-widget elementor-widget-image\" data-id=\"4608d10\" 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=\"1600\" height=\"750\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner01.jpg\" class=\"attachment-full size-full wp-image-4540\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner01.jpg 1600w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner01-500x234.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner01-1200x563.jpg 1200w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner01-300x141.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner01-768x360.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner01-1536x720.jpg 1536w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner01-18x8.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner01-150x70.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner01-480x225.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1600px) 100vw, 1600px\" \/>\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-3ec427c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ec427c\" 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-4dd2a96\" data-id=\"4dd2a96\" 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-327052a standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"327052a\" 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\">Cara penggunaan DRA<\/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-cf8f8e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cf8f8e9\" 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-8d4171d\" data-id=\"8d4171d\" 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<div class=\"elementor-element elementor-element-09a79fc e-grid e-con-boxed e-con e-parent\" data-id=\"09a79fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0cbe089 elementor-widget elementor-widget-image\" data-id=\"0cbe089\" 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=\"800\" height=\"800\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/1.jpg\" class=\"attachment-full size-full wp-image-4544\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/1.jpg 800w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/1-500x500.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/1-300x300.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/1-768x768.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/1-12x12.jpg 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/1-150x150.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/1-75x75.jpg 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/1-480x480.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:800px) 100vw, 800px\" \/>\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-ceff482 elementor-widget elementor-widget-image\" data-id=\"ceff482\" 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=\"800\" height=\"800\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/2.jpg\" class=\"attachment-full size-full wp-image-4545\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/2.jpg 800w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/2-500x500.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/2-300x300.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/2-768x768.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/2-12x12.jpg 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/2-150x150.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/2-75x75.jpg 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/2-480x480.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:800px) 100vw, 800px\" \/>\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-90195fc elementor-widget elementor-widget-image\" data-id=\"90195fc\" 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=\"800\" height=\"800\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/3.jpg\" class=\"attachment-full size-full wp-image-4546\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/3.jpg 800w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/3-500x500.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/3-300x300.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/3-768x768.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/3-12x12.jpg 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/3-150x150.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/3-75x75.jpg 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/3-480x480.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:800px) 100vw, 800px\" \/>\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-9e0d0e4 elementor-widget elementor-widget-image\" data-id=\"9e0d0e4\" 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=\"800\" height=\"800\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/4.jpg\" class=\"attachment-full size-full wp-image-4547\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/4.jpg 800w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/4-500x500.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/4-300x300.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/4-768x768.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/4-12x12.jpg 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/4-150x150.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/4-75x75.jpg 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/4-480x480.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:800px) 100vw, 800px\" \/>\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\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-ddc2834 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ddc2834\" 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-ad1c397\" data-id=\"ad1c397\" 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-8157c8f elementor-widget elementor-widget-text-editor\" data-id=\"8157c8f\" 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>Nota: Imej-imej di atas hanya untuk tujuan ilustrasi sahaja.<\/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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8bea235 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8bea235\" 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-0647a8d\" data-id=\"0647a8d\" 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-76f597f standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"76f597f\" 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\"> Fahami proses tuntutan\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98de2c6 elementor-widget elementor-widget-text-editor\" data-id=\"98de2c6\" 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>Setelah membuat laporan polis, anda boleh membuat tuntutan dengan pengendali takaful\/syarikat insurans anda.<\/p><p>Sekiranya anda ada perlindungan komprehensif dan pihak ketiga yang melanggar kereta anda memang jelas bersalah, anda dinasihati untuk menyerahkan Tuntutan Kerosakan Sendiri ataupun Own Damage Knock-for-Knock (OD-KFK) untuk mempercepatkan proses tuntutan. Kelayakan Diskaun Tanpa Tuntutan ataupun No Claim Discount (NCD) anda tidak akan terjejas dan anda boleh menuntut ekses yang telah dibayar daripada pengendali takaful\/syarikat insurans pihak ketiga.<\/p><p><strong>Untuk tuntutan kerosakan<\/strong>, sentiasa dapatkan nasihat daripada ejen atau pengendali takaful\/syarikat insurans untuk jenis dokumen yang diperlukan untuk proses tuntutan, sama ada perlu diserahkan kepada pengendali takaful\/syarikat insurans anda atau pihak lain <strong>dalam tempoh 7 hari daripada tarikh kemalangan\/kerugian<\/strong> jika anda berupaya secara fizikal atau tidak terlantar di hospital akibat kemalangan.<\/p><p><strong>Untuk tuntutan kecederaan<\/strong>hantarkan tuntutan kepada pengendali takaful\/syarikat insurans berkenaan <strong>dalam tempoh 30 hari atau secepat yang anda mampu<\/strong> jika anda tidak berkeupayaan secara fizikal atau dimasukkan ke dalam hospital akibat kemalangan.<\/p><p>Sekiranya anda pilih untuk membuat tuntutan motor terus daripada pengendali takaful\/syarikat insurans pihak pemandu yang melibatkan kematian dan kecederaan tubuh badan pihak ketiga atau kerosakan harta pihak ketiga, pastikan pampasan yang diterima adalah mencukupi.<\/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-614a530 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"614a530\" 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-eb2bd5f rotateGbG\" data-id=\"eb2bd5f\" 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-da729ea standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"da729ea\" 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 translation-block\">Panduan pertama #<i>Ot-to<\/i><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78eea09 elementor-widget elementor-widget-text-editor\" data-id=\"78eea09\" 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\tMuat Turun panduan tuntutan takaful\/insurans motor BNM <span style=\"text-decoration: underline; color: #ffffff;\"><a style=\"color: #ffffff; text-decoration: underline;\" href=\"https:\/\/piam.org.my\/wp-content\/uploads\/2021\/04\/ENG_FA-Final.pdf\" target=\"_blank\" rel=\"noopener\">sini<\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7393cda\" data-id=\"7393cda\" 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-324ce47 elementor-widget elementor-widget-image\" data-id=\"324ce47\" 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=\"344\" height=\"222\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip01.png\" class=\"attachment-full size-full wp-image-4558\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip01.png 344w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip01-300x194.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip01-18x12.png 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip01-116x75.png 116w\" sizes=\"(max-width:767px) 344px, 344px\" \/>\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-7a48fee elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a48fee\" 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-8fe0ab0\" data-id=\"8fe0ab0\" 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-36d0f38 elementor-widget elementor-widget-image\" data-id=\"36d0f38\" 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=\"1600\" height=\"750\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner02.jpg\" class=\"attachment-full size-full wp-image-4554\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner02.jpg 1600w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner02-500x234.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner02-1200x563.jpg 1200w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner02-300x141.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner02-768x360.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner02-1536x720.jpg 1536w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner02-18x8.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner02-150x70.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner02-480x225.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1600px) 100vw, 1600px\" \/>\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-f1c25aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f1c25aa\" 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-89050ea\" data-id=\"89050ea\" 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-3aceb68 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"3aceb68\" 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\">Pembaikan dan bengkel<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9bb9cf elementor-widget elementor-widget-text-editor\" data-id=\"c9bb9cf\" 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>Pengendali takaful dan syarikat insurans mempunyai bengkel-bengkel panel yang diiktiraf di Semenanjung Malaysia, Sabah dan Sarawak untuk membaiki kenderaan anda. Bengkel-bengkel ini mempunyai persetujuan dengan pengendali takaful atau syarikat insurans untuk bukan saja menyelaras proses pembaikan yang mempercepat dan memudahkan pemegang sijil atau polisi tetapi juga memastikan kadar harga yang berpatutan selain daripada perkhidmatan tambahan seperti waranti untuk kerja pembaikan, perkhidmatan menunda dan bantuan tepi jalan.<\/p><p>Cara lain, pengendali takaful atau syarikat insurans akan menghantar insurans kepada ajuster kerugian yang akan menilai kerosakan kepada kenderaan anda, barulah syarikat insurans akan meluluskan pembaikan. Syarikat insurans akan meluluskan pembaikan tertakluk pada syarat borang tuntutan yang lengkap diisi bersama dengan dokumen yang relevan.<\/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-0c91a1e elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c91a1e\" 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-df34a65 rotateGbG\" data-id=\"df34a65\" 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-56c2430 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"56c2430\" 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 translation-block\">Panduan ke-2 #<i>Ot-to<\/i><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c135f0 elementor-widget elementor-widget-text-editor\" data-id=\"0c135f0\" 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\tSekiranya kenderaan anda terlibat dalam kemalangan yang membabitkan tuntutan, ingat yang anda perlu menghantar kereta anda ke bengkel yang diluluskan supaya pengendali takaful\/syarikat insurans anda boleh meneruskan proses pembaikan atau mengambil tindakan sewajarnya untuk mengelakkan kenderaan anda daripada lebih kerosakan atau kerugian.\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-b9a493c\" data-id=\"b9a493c\" 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-8f96967 elementor-widget elementor-widget-image\" data-id=\"8f96967\" 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=\"297\" height=\"222\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip02.png\" class=\"attachment-full size-full wp-image-4559\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip02.png 297w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip02-16x12.png 16w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip02-100x75.png 100w\" sizes=\"(max-width:767px) 297px, 297px\" \/>\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-3e7bd30 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e7bd30\" 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-27abaf7\" data-id=\"27abaf7\" 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-7090acc elementor-widget elementor-widget-text-editor\" data-id=\"7090acc\" 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>Semak jika anda ada klausa <strong>Ekses<\/strong> atau <strong>Penambahbaikan pula<\/strong> dalam sijil\/polisi anda.<\/p><p>If <strong>Ekses<\/strong> Jika Ekses dimasukkan sekali, anda mesti membayar jumlah ekses terus kepada bengkel. Ekses adalah sebahagian daripada jumlah tuntutan yang anda sudah bersetuju untuk menanggung sendiri. Ekses perlu dibayar tak kira siapapun yang bersalah. Ekses ini tidak dikenakan untuk apa-apa kerugian atau kerosakan akibat kebakaran, letupan, disambar kilat, pecah masuk, pecah rumah, kecurian, dan tuntutan kecederaan tubuh badan atau harta pihak ketiga.<\/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-7380147 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7380147\" 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-0fd007f\" data-id=\"0fd007f\" 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-f268ee2 elementor-widget elementor-widget-image\" data-id=\"f268ee2\" 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=\"195\" height=\"183\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/examplev2.png\" class=\"attachment-full size-full wp-image-4758\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/examplev2.png 195w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/examplev2-13x12.png 13w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/examplev2-80x75.png 80w\" sizes=\"(max-width:767px) 195px, 195px\" \/>\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-6f4ba14\" data-id=\"6f4ba14\" 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-437b727 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"437b727\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Contoh<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bcecb8 elementor-widget elementor-widget-text-editor\" data-id=\"8bcecb8\" 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<ul><li>Selepas penilaian, tuntutan yang mesti dibayar adalah sebanyak <strong>RM10,000<\/strong>.<\/li><li>Sijil\/polisi mempunyai ekses sebanyak <strong>RM500<\/strong>.<\/li><li>Anda perlu menanggung <strong>RM500<\/strong> yang pertama. <strong>RM500<\/strong>.<\/li><li>Pengendali takaful\/syarikat insurans akan membayar baki sebanyak <strong>RM9,500<\/strong>.<\/li><\/ul>\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-64cd2ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64cd2ef\" 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-7c029b0\" data-id=\"7c029b0\" 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-b310875 elementor-widget elementor-widget-text-editor\" data-id=\"b310875\" 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>Untuk perhatian anda, terdapat juga Ekses Wajib di mana anda perlu menanggung ekses tambahan sebanyak RM400 jika anda atau orang yang memandu kereta anda:<\/p><ul><li>adalah bawah umur 21 tahun;<\/li><li>memegang lesen memandu Percubaan (P) atau Sementara (L); atau<\/li><li>tidak dinamakan dalam Jadual sebagai pemandu yang dinamakan.<\/li><\/ul>\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-8e5dd9b elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8e5dd9b\" 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-3df9b7f rotateGbG\" data-id=\"3df9b7f\" 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-9c5eee5 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"9c5eee5\" 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 translation-block\">Panduan ke-3 #<i>Ot-to<\/i><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51884de elementor-widget elementor-widget-text-editor\" data-id=\"51884de\" 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><span style=\"color: #f9ff14;\">Peringatan:<\/span> Jika anda membuat tuntutan di bawah OD-KFK, anda boleh tuntut ekses yang sudah dibayar daripada pengendali takaful\/syarikat insurans milik pihak ketiga.<\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-18e841a\" data-id=\"18e841a\" 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-812edf9 elementor-widget elementor-widget-image\" data-id=\"812edf9\" 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=\"314\" height=\"222\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip03.png\" class=\"attachment-full size-full wp-image-4760\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip03.png 314w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip03-300x212.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip03-18x12.png 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip03-106x75.png 106w\" sizes=\"(max-width:767px) 314px, 314px\" \/>\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-e46bb6f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e46bb6f\" 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-a954d2a\" data-id=\"a954d2a\" 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-a2b1d9d elementor-widget elementor-widget-text-editor\" data-id=\"a2b1d9d\" 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>Untuk <strong>Penambahbaikan pula<\/strong>, ia merujuk pada penggantian alat-alat ganti yang rosak dengan alat-alat ganti francais asli yang baharu (OEM) selepas tuntutan kemalangan dibuat. Jika alat ganti asli yang baharu digunakan untuk membaiki kereta anda dan menjadikan kereta anda dalam keadaan lebih baik daripada sebelum kerosakan terjadi, anda dikehendaki untuk menyumbang pada penambaikan itu, dengan menanggung  sebahagian kos untuk harga alat ganti asli baharu tersebut. Sumbangan anda berdasarkan skala berikut:<\/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-7636dad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7636dad\" 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-59e8454\" data-id=\"59e8454\" 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<div class=\"elementor-element elementor-element-ecf4930 e-grid e-con-full e-con e-parent\" data-id=\"ecf4930\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1711260 elementor-widget elementor-widget-image\" data-id=\"1711260\" 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=\"1080\" height=\"1080\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/5.jpg\" class=\"attachment-full size-full wp-image-4761\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/5.jpg 1080w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/5-500x500.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/5-300x300.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/5-768x768.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/5-12x12.jpg 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/5-150x150.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/5-75x75.jpg 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/5-480x480.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1080px) 100vw, 1080px\" \/>\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-e97e335 elementor-widget elementor-widget-image\" data-id=\"e97e335\" 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=\"1080\" height=\"1080\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/6.jpg\" class=\"attachment-full size-full wp-image-4762\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/6.jpg 1080w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/6-500x500.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/6-300x300.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/6-768x768.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/6-12x12.jpg 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/6-150x150.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/6-75x75.jpg 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/08\/6-480x480.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1080px) 100vw, 1080px\" \/>\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>\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-9ff36bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9ff36bc\" 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-e75c09c\" data-id=\"e75c09c\" 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-23bbb2b elementor-widget elementor-widget-text-editor\" data-id=\"23bbb2b\" 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\tUntuk menentukan kadar penambahbaikan yang akan diguna pakai, umur kenderaan anda akan dikira berdasarkan tarikh pendaftaran di Malaysia:\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-37da331 elementor-widget elementor-widget-text-editor\" data-id=\"37da331\" 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<table class=\"greenTable01\">\n<tbody>\n<tr>\n<td>a. sebagai kenderaan tempatan<\/td>\n<td>Tarikh Pendaftaran Asal<\/td>\n<\/tr>\n<tr>\n<td>b. sebagai kenderaan baharu import unit siap dipasang (CBU)<\/td>\n<td>Tahun Buatan<\/td>\n<\/tr>\n<tr>\n<td>c. sebagai kenderaan import terpakai \/ telah digunakan \/ disesuaikan semula<\/td>\n<td>Tahun Buatan<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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-20b6d98 elementor-widget elementor-widget-text-editor\" data-id=\"20b6d98\" 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\tJadi apa pilihan anda? Anda boleh menambah insurans untuk <strong>pengecualian untuk penambahbaikan<\/strong>atau menggunakan <strong>akat ganti<\/strong> atau <strong>bukan francais OEM<\/strong> untuk mengelakkan bayaran tambahan atau caj yang tinggi. Dua faktor lain yang mempengaruhi jumlah penyelesaian akhir adalah <strong>Nilai Pasaran<\/strong> dan <strong>Nilai Dipersetujui<\/strong>Anda boleh dapat lebih info lanjut tentang terma-terma tersebut dalam artikel ini: <a style=\"color: #336842;\" href=\"https:\/\/jomlevelup.my\/bm\/8-factors-that-influence-the-cost-of-motor-insurance-premium-takaful-contribution\/\"><span style=\"text-decoration: underline;\">8 faktor-faktor yang mempengaruhi kos sumbangan takaful\/premium insurans motor<\/span><\/a>\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-d274a14 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d274a14\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&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-2e05b4f\" data-id=\"2e05b4f\" 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-f599acd elementor-widget elementor-widget-image\" data-id=\"f599acd\" 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=\"1600\" height=\"750\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner03.jpg\" class=\"attachment-full size-full wp-image-4766\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner03.jpg 1600w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner03-500x234.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner03-1200x563.jpg 1200w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner03-300x141.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner03-768x360.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner03-1536x720.jpg 1536w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner03-18x8.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner03-150x70.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-content-banner03-480x225.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1600px) 100vw, 1600px\" \/>\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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-265bdbc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"265bdbc\" 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-000654e\" data-id=\"000654e\" 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-33548a2 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"33548a2\" 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\">Menyelesaikan pertikaian<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39771a8 elementor-widget elementor-widget-text-editor\" data-id=\"39771a8\" 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>Pertikaian boleh terjadi ketika proses tuntutan, terutama bila ada perbezaan pendapat antara anda dan pengendali takaful\/syarikat insurans mengenai jumlah pampasan atau tahap kerosakan. Jika anda alami perkara ini, penting untuk anda tahu hak-hak anda dan saluran yang betul untuk resolusi pertikaian.<\/p><p>Jika anda tidak berpuas hati dengan cara tuntutan anda diuruskan dan isu yang dihadapi masih tidak diselesaikan, walaupun anda telah membuat laporan bertulis kepada ibu pejabat dan pengurus cawangan pengendali takaful\/syarikat insurans anda, anda boleh membuat aduan anda kepada <a style=\"color: #336842;\" href=\"https:\/\/piam.org.my\/\" target=\"_blank\" rel=\"noopener\"><u>PIAM<\/u><\/a>, <a style=\"color: #336842;\" href=\"https:\/\/takaful4all.org\/\" target=\"_blank\" rel=\"noopener\"><u>MTA<\/u><\/a> atau <a style=\"color: #336842;\" href=\"http:\/\/ofs.org.my\/\" target=\"_blank\" rel=\"noopener\"><u>Ombudsman for Financial Services (OFS)<\/u><\/a>sebuah badan bebas yang menyelesaikan pertikaian takaful serta insurans dan perbankan.<\/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-2edec47 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2edec47\" 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-6437653 rotateGbG\" data-id=\"6437653\" 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-9ebdeba standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"9ebdeba\" 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 translation-block\">Panduan ke-4 #<i>Ot-to<\/i><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23baa9b elementor-widget elementor-widget-text-editor\" data-id=\"23baa9b\" 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><span style=\"color: #f9ff14;\">Peringatan:<\/span> Sepanjang proses, simpan rekod-rekod segala komunikasi dan dokumen yang berkaitan tuntutan anda dengan terperinci. Ini sangat penting jika pertikaian anda dibawa ke meja rundingan.<\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ba5bd80\" data-id=\"ba5bd80\" 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-9de5800 elementor-widget elementor-widget-image\" data-id=\"9de5800\" 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=\"316\" height=\"239\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip04.png\" class=\"attachment-full size-full wp-image-4771\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip04.png 316w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip04-300x227.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip04-16x12.png 16w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/article05-tip04-99x75.png 99w\" sizes=\"(max-width:767px) 316px, 316px\" \/>\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-d7d05db elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d7d05db\" 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-7f9c803\" data-id=\"7f9c803\" 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-5be531e standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"5be531e\" 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\">Senarai item yang perlu anda ingat<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09d081c elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"09d081c\" 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\"><img loading=\"lazy\" decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr01.png\" class=\"attachment-full size-full wp-image-4781\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr01.png 80w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr01-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr01-75x75.png 75w\" sizes=\"(max-width:767px) 80px, 80px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Baca polisi anda, dan beri perhatian terhadap nasihat berkenaan tuntutan dan terma yang diguna pakai.\n<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdfb837 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"bdfb837\" 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\"><img loading=\"lazy\" decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr02.png\" class=\"attachment-full size-full wp-image-4782\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr02.png 80w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr02-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr02-75x75.png 75w\" sizes=\"(max-width:767px) 80px, 80px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Ia adalah tanggungjawab anda untuk memastikan kenderaan anda dalam keadaan yang baik. Sijil takaful\/polisi insurans tidak menanggung kos untuk penjagaan kenderaan anda.\n<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c66fde3 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"c66fde3\" 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\"><img loading=\"lazy\" decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr03.png\" class=\"attachment-full size-full wp-image-4783\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr03.png 80w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr03-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr03-75x75.png 75w\" sizes=\"(max-width:767px) 80px, 80px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Anda patut mengambil langkah-langkah yang sewajarnya untuk mengelakkan kerugian daripada berlaku, dan sekiranya ia telah terjadi, ambil tindakan seterusnya untuk elakkan lebih banyak kerosakan.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d95908 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"2d95908\" 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\"><img loading=\"lazy\" decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr04.png\" class=\"attachment-full size-full wp-image-4784\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr04.png 80w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr04-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr04-75x75.png 75w\" sizes=\"(max-width:767px) 80px, 80px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Terpulang kepada anda untuk memahami seluas mana liputan perlindungan yang anda miliki. Pengendali takaful atau syarikat insurans anda akan dapat menghulurkan bantuan kepada anda dalam hal ini.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90b6679 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"90b6679\" 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\"><img loading=\"lazy\" decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr05.png\" class=\"attachment-full size-full wp-image-4785\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr05.png 80w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr05-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr05-75x75.png 75w\" sizes=\"(max-width:767px) 80px, 80px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Hubungi pengendali takaful atau syarikat insurans anda serta-merta dan patuhi nasihat yang disyorkan untuk tindakan yang perlu anda ambil.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34d85a8 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"34d85a8\" 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\"><img loading=\"lazy\" decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr06.png\" class=\"attachment-full size-full wp-image-4786\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr06.png 80w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr06-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/07\/coitr06-75x75.png 75w\" sizes=\"(max-width:767px) 80px, 80px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Syarikat insurans anda akan menangani urusan tuntutan anda secapat mungkin tetapi ia bergantung pada faktor seperti mendapat anggaran dan maklumat lain yang diperlukan untuk menilai tuntutan yang mungkin mengambil masa.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fa3bd5 elementor-widget elementor-widget-text-editor\" data-id=\"8fa3bd5\" 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>Dengan memahami proses tuntutan, pilihan pembaikan, dan cara-cara menangani isu pertikaian, anda boleh mengalami proses yang lebih lancar sekiranya berlaku kemalangan. Ingatlah, komunikasi yang jelas dan menyimpan rekod dengan kemas adalah kunci utama sepanjang proses ini!<\/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-59ec7e6 elementor-widget elementor-widget-image\" data-id=\"59ec7e6\" 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\t<a href=\"https:\/\/forms.gle\/87BbLC1pG6strsAg8\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1949\" height=\"605\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/10\/05-BM_In-article-footer.jpg\" class=\"attachment-full size-full wp-image-5873\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/10\/05-BM_In-article-footer.jpg 1949w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/10\/05-BM_In-article-footer-500x155.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/10\/05-BM_In-article-footer-1200x372.jpg 1200w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/10\/05-BM_In-article-footer-300x93.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/10\/05-BM_In-article-footer-768x238.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/10\/05-BM_In-article-footer-1536x477.jpg 1536w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/10\/05-BM_In-article-footer-18x6.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/10\/05-BM_In-article-footer-150x47.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/10\/05-BM_In-article-footer-480x149.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1949px) 100vw, 1949px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\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-4fd5b1f elementor-section-full_width elementor-section-stretched elementor-section-content-middle elementor-section-height-default elementor-section-height-default\" data-id=\"4fd5b1f\" 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-5d4f2ce\" data-id=\"5d4f2ce\" 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-0f29741 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0f29741\" 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-29e665d\" data-id=\"29e665d\" 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-c3be19b elementor-widget elementor-widget-image\" data-id=\"c3be19b\" 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-2c2dc79\" data-id=\"2c2dc79\" 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-4a655fb elementor-widget elementor-widget-text-editor\" data-id=\"4a655fb\" 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>Artikel ini adalah sebahagian daripada kempen \u2018Jom, Level Up\u2019 di bawah Liberalisasi Secara Berperingkat 2.0, Program Pendidikan Pengguna (CEP), 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><\/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-5d7a691 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d7a691\" 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-a8faf08\" data-id=\"a8faf08\" 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-3330cd8 elementor-widget elementor-widget-text-editor\" data-id=\"3330cd8\" 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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2809e42e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2809e42e\" 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-51244f72\" data-id=\"51244f72\" 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-5e9dbf39 elementor-align-center eng elementor-widget elementor-widget-button\" data-id=\"5e9dbf39\" 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\/2024\/08\/Article-5.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 dan kongsikan artikel, sekarang!<\/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-30dde9e0 elementor-align-center bm elementor-widget elementor-widget-button\" data-id=\"30dde9e0\" 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\/2024\/08\/PIAM_Article-5-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 dan kongsikan artikel, sekarang!<\/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<\/div>","protected":false},"excerpt":{"rendered":"<p>Sentiasa bersedia untuk sebarang kemungkinan! Panduan ringkas dan padat ini adalah garis panduan untuk memahami sepenuhnya prosedur-prosedur yang betul yang boleh diguna pakai ketika kemalangan, supaya kepentingan anda sebagai pengguna sentiasa terpelihara. <\/p>","protected":false},"author":1,"featured_media":5904,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-topics"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Claims, Repairs and Disputes: Everything you need to know - 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\/claims-repairs-and-disputes-everything-you-need-to-know\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Claims, Repairs and Disputes: Everything you need to know - Jom Level Up\" \/>\n<meta property=\"og:description\" content=\"Be prepared for the unexpected! 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