{"id":5254,"date":"2024-12-02T12:41:20","date_gmt":"2024-12-02T04:41:20","guid":{"rendered":"https:\/\/jomlevelup.my\/?p=5254"},"modified":"2024-12-04T18:21:28","modified_gmt":"2024-12-04T10:21:28","slug":"a-guide-to-understanding-own-damage-knock-for-knock-od-kfk","status":"publish","type":"post","link":"https:\/\/jomlevelup.my\/bm\/a-guide-to-understanding-own-damage-knock-for-knock-od-kfk\/","title":{"rendered":"Panduan memahami<br><i>Own Damage Knock-for-Knock<\/i> (OD-KFK)"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5254\" class=\"elementor elementor-5254\">\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\">Panduan memahami<br><i>Own Damage Knock-for-Knock<\/i> (OD-KFK)\n<\/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<div class=\"elementor-element elementor-element-d0e11c0 e-flex e-con-boxed e-con e-parent\" data-id=\"d0e11c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0f15a32 e-con-full e-flex e-con e-child\" data-id=\"0f15a32\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a66ef6 e-con-full e-flex e-con e-child\" data-id=\"6a66ef6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa23232 e-flex e-con-boxed e-con e-parent\" data-id=\"fa23232\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-05cd104 e-con-full e-flex e-con e-child\" data-id=\"05cd104\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc1e2a4 e-con-full e-flex e-con e-child\" data-id=\"dc1e2a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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\/09\/Article-6_Otto-1.png\" class=\"attachment-full size-full wp-image-5260\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Article-6_Otto-1.png.webp 622w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Article-6_Otto-1-500x500.png.webp 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Article-6_Otto-1-300x300.png.webp 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Article-6_Otto-1-12x12.png.webp 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Article-6_Otto-1-150x150.png.webp 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Article-6_Otto-1-75x75.png.webp 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Article-6_Otto-1-480x480.png.webp 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\tKemalangan boleh menimbulkan rasa tertekan. Walau bagaimanapun, kefahaman terhadap perlindungan takaful dan insurans motor anda akan membantu proses tuntutan menjadi lebih lancar. Panduan ini akan menerangkan selok-belok tuntutan <i>Own Damage Knock-for-Knock<\/i> (OD-KFK). Anda akan mempelajari cara melalui proses tuntutan dengan lancar dan kembali memandu di jalan raya seperti biasa dengan lebih pantas.\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\">Apakah yang dimaksudkan dengan Tuntutan <i>Own Damage Knock-For- Knock<\/i> (OD-KFK)?<\/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\t<p>Sekiranya anda terlibat dalam kemalangan kereta, dan pihak lain memang jelas sekali bersalah, anda patut mempertimbangkan tuntutan <i>Own Damage Knock-for-Knock<\/i> (OD-KFK) untuk proses tuntutan yang lebih pantas jika anda ada perlindungan yang komprehensif. Ini bermakna anda membuat tuntutan daripada pengendali takaful atau syarikat insurans anda sendiri untuk kos pembaikan, walaupun ia bukan salah anda.<\/p><p>Kelayakan Diskaun Tanpa Tuntutan atau No Claim Discount (NCD) anda tidak akan terjejas dan anda boleh membuat tuntutan ekses yang telah dibayar anda daripada pengendali takaful atau syarikat insurans pihak ketiga.\n<br><br>\nWalaupun bagaimanapun, pastikan anda telah mengesahkan kriteria kelayakan yang spesifik dengan pengendali takaful\/syarikat insurans anda terlebih dahulu.<\/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 translation-block\">Tuntutan OD-KFK menjadi satu realiti dan dapat dilaksanakan kerana kesemua pengendali takaful dan syarikat insurans di Malaysia telah menandatangani <a href=\"https:\/\/www.bnm.gov.my\/documents\/20124\/796508\/07.Chap2.pdf\" target=\"_blank\" rel=\"noopener\" style=\"color:white\"><span style=\"text-decoration: underline\">perjanjian Knock-for-Knock<\/span><\/a> yang telah dikemaskini (bertarikh 18 Mac 1987 dan dikemaskini dalam bulan Jun 2001).<\/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 decoding=\"async\" width=\"444\" height=\"387\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip01.png\" class=\"attachment-full size-full wp-image-5270\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip01.png.webp 444w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip01-300x261.png.webp 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip01-14x12.png.webp 14w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip01-86x75.png.webp 86w\" sizes=\"(max-width:767px) 444px, 444px\" \/>\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\">Manfaat-manfaat tuntutan OD-KFK<\/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 decoding=\"async\" width=\"80\" height=\"80\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-01.png\" class=\"attachment-full size-full wp-image-5280\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-01.png 80w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-01-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-01-75x75.png 75w\" sizes=\"(max-width:767px) 80px, 80px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Pembaikan yang lebih pantas:<\/strong> Tuntutan OD-KFK membolehkan anda membuat tuntutan terus daripada pengendali takaful\/syarikat insurans anda sendiri, sekaligus mengelakkan kesulitan yang akan dihadapi jika melalui pengendali takaful\/syarikat insurans pihak ketiga. Selepas bayaran dibuat, pengendali takaful\/syarikat insurans anda akan membuat tuntutan daripada pengendali takaful\/syarikat insurans pihak ketiga.\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\/09\/Benefits-of-OD-KFK-claim-icon-02.png\" class=\"attachment-full size-full wp-image-5281\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-02.png 80w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-02-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-02-75x75.png 75w\" sizes=\"(max-width:767px) 80px, 80px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Proses dipermudahkan:<\/strong> Tak perlu lagi berurusan secara terus dengan pengendali takaful atau syarikat insurans pihak lain itu.<\/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\/09\/Benefits-of-OD-KFK-claim-icon-03.png\" class=\"attachment-full size-full wp-image-5282\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-03.png 80w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-03-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-03-75x75.png 75w\" sizes=\"(max-width:767px) 80px, 80px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Kesenangan untuk anda:<\/strong> Berurusan dengan pengendali takaful\/syarikat insurans pihak ketiga memakan masa, dan boleh menangguhkan pembaikan dan menambahkan stres. Selain itu, anda juga tak perlu melantik ajuster anda sendiri.<\/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\/09\/Benefits-of-OD-KFK-claim-icon-04.png\" class=\"attachment-full size-full wp-image-5283\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-04.png 80w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-04-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-04-75x75.png 75w\" sizes=\"(max-width:767px) 80px, 80px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Diskaun Tanpa Tuntutan (NCD) tidak terjejas:<\/strong> Anda mengekalkan NCD kalau ia bukan salah anda. Anda juga akan mengekalkan diskaun untuk pembaharuan untuk masa akan datang.<\/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\/09\/Benefits-of-OD-KFK-claim-icon-05.png\" class=\"attachment-full size-full wp-image-5284\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-05.png 80w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-05-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-05-75x75.png 75w\" sizes=\"(max-width:767px) 80px, 80px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Pembaikan di Bengkel-bengkel Diiktiraf:<\/strong> Ini untuk memastikan pembaikan adalah berkualiti di bawah waranti dan harga yang munasabah.<\/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\/09\/Benefits-of-OD-KFK-claim-icon-06.png\" class=\"attachment-full size-full wp-image-5285\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-06.png 80w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-06-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/Benefits-of-OD-KFK-claim-icon-06-75x75.png 75w\" sizes=\"(max-width:767px) 80px, 80px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Liputan:<\/strong> Semua kos akan dibiayai oleh pengendali takaful\/syarikat insurans anda.<\/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\tSituasi menang-menang \u2013 kenderaan anda akan lebih cepat dibaiki dan Diskaun Tanpa Tuntutan (NCD) anda pula kekal seperti biasa!\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-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-95291ce standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"95291ce\" 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\">Bila anda boleh failkan tuntutan OD-KFK?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\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\t<p>OD-KFK ditawarkan untuk kereta persendirian yang mempunyai pelan takaful atau perlindungan insurans komprehensif. Adalah lebih baik anda sahkan dengan pengendali takaful atau syarikat insurans anda dan pastikan yang OD-KFK dimasukkan ke dalam sijil\/polisi motor. Ini kerana ada pengecualian-pengecualian tertentu, antaranya seperti:<\/p><ul><li>Kecederaan tubuh badan pihak ketiga, tak kira walaupun sesiapa pun yang bersalah.<\/li><li>Sekiranya kenderaan yang dipandu didaftar di luar negara, dan lokasi pengendali takaful\/syarikat insurans itu tidak terletak di Malaysia.<\/li><li>Kenderaan komersial seperti bas, teksi, limosin, atau kenderaan sewa dan pandu kerana adanya terma-terma dan syarat-syarat tertentu yang diguna pakai untuk kenderaan-kenderaan komersial.<\/li><\/ul><p>Anda juga ada pilihan lain iaitu dengan membuat tuntutan di bawah Kerosakan Sendiri (<i>Own Damage<\/i>), yang hanya ditawarkan jika anda mempunyai sijil takaful\/polisi insurans yang komprehensif. Namun begitu, anda perlu ingat yang anda akan kehilangan NCD anda disebabkan kadarnya akan kembali ke 0% ketika anda memperbaharui takaful\/insurans anda.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5be9e96 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5be9e96\" 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-dfa850f rotateGbG\" data-id=\"dfa850f\" 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-b13e346 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"b13e346\" 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-7123163 elementor-widget elementor-widget-text-editor\" data-id=\"7123163\" 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 semua tuntutan <i>Own Damage Knock-for-Knock<\/i> yang diserahkan oleh pemegang sijil takaful\/polisi komprehensif, Insurans Am dan Pengusaha Takaful ataupun General Insurance and Takaful Operator (GITO) bakal menyelesaikan tuntutan untuk kerugian yang tidak ditanggung dan tidak diinsuranskan, seperti Ekses dan Pampasan untuk tempoh pembaikan yang dianggarkan (CART).\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-7e32fb7\" data-id=\"7e32fb7\" 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-27d1fc5 elementor-widget elementor-widget-image\" data-id=\"27d1fc5\" 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=\"484\" height=\"452\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip02.png\" class=\"attachment-full size-full wp-image-5292\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip02.png.webp 484w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip02-300x280.png.webp 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip02-13x12.png.webp 13w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip02-80x75.png.webp 80w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip02-480x448.png.webp 480w\" sizes=\"(max-width:767px) 480px, 484px\" \/>\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-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\">Apa langkah yang boleh diambil jika saya tak dapat buat tuntutan dengan OD-KFK?<\/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>Sekiranya anda tidak layak untuk tuntutan OD-KFK, anda ada dua pilihan untuk mendapatkan pampasan dan membaiki kenderaan anda. Anda boleh failkan tuntutan di bawah:<\/p><ul><li><strong>Tuntutan Kerosakan Harta Pihak Ketiga atau Third Party Property Damage (TPPD)<\/strong>, di mana anda boleh failkan tuntutan terhadap pengendali takaful\/syarikat insurans pemandu terbabit.<\/li><li><strong>Tuntutan Own Damage (OD)<\/strong>, di mana anda boleh buat tuntutan terhadap pengendali takaful\/syarikat insurans anda sendiri.<\/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-d0c80e7 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d0c80e7\" 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-321465a rotateGbG\" data-id=\"321465a\" 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-d704bc6 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"d704bc6\" 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-1f524ff elementor-widget elementor-widget-text-editor\" data-id=\"1f524ff\" 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\tJangan berunding, membuat pengakuan atau menafikan apa-apa tuntutan tanpa persetujuan daripada pengendali takaful\/syarikat insurans anda dan jangan memberi keizinan untuk membaiki tanpa persetujuan mereka.\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-b2feb0f\" data-id=\"b2feb0f\" 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-d93b42e elementor-widget elementor-widget-image\" data-id=\"d93b42e\" 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=\"487\" height=\"365\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip03.png\" class=\"attachment-full size-full wp-image-5308\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip03.png.webp 487w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip03-300x225.png.webp 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip03-16x12.png.webp 16w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip03-100x75.png.webp 100w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip03-480x360.png.webp 480w\" sizes=\"(max-width:767px) 480px, 487px\" \/>\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\">6 dokumen penting yang perlu diserahkan kepada pengendali takaful\/ syarikat insurans anda<\/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-e68cf5d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e68cf5d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-a29ca36\" data-id=\"a29ca36\" 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-22666cc elementor-position-left elementor-position-top elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"22666cc\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-01.png\" class=\"attachment-full size-full wp-image-5333\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-01.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-01-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-01-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\">Borang tuntutan yang telah lengkap<\/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<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-53fa4fa\" data-id=\"53fa4fa\" 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-452f266 elementor-position-left elementor-position-top elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"452f266\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-02.png\" class=\"attachment-full size-full wp-image-5334\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-02.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-02-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-02-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\">Salinan sijil pemilikan kenderaan<\/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<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6e0096f\" data-id=\"6e0096f\" 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-93ba3b7 elementor-position-left elementor-position-top elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"93ba3b7\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-03.png\" class=\"attachment-full size-full wp-image-5335\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-03.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-03-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-03-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\">Salinan kad pengenalan dan lesen memandu pemandu serta pemegang sijil\/polisi<\/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-7ced76f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ced76f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-826dc07\" data-id=\"826dc07\" 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-fa15a87 elementor-position-left elementor-position-top elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"fa15a87\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-04.png\" class=\"attachment-full size-full wp-image-5336\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-04.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-04-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-04-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\">Salinan laporan polis yang asal<\/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<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-b25ddc7\" data-id=\"b25ddc7\" 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-6ae6104 elementor-position-left elementor-position-top elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"6ae6104\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-05.png\" class=\"attachment-full size-full wp-image-5337\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-05.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-05-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-05-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\">Gambar lokasi kemalangan dan kerosakan pada kenderaan<\/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<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-b2580ed\" data-id=\"b2580ed\" 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-506ca51 elementor-position-left elementor-position-top elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"506ca51\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-06.png\" class=\"attachment-full size-full wp-image-5338\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-06.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-06-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/6-necessary-documents-to-submit-to-your-insurance-companytakaful-operator-icon-06-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\">Diguna pakai untuk kereta yang berusia 5 tahun atau lebih:<\/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-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-4e800ba standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"4e800ba\" 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\">Hubungi pengendali takaful\/syarikat insurans anda<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\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\tGuna saluran khas pengendali takaful\/syarikat insurans anda untuk memulakan tuntutan OD-KFK anda, seperti:\n\n<ul>\n<li>Aplikasi bantuan tepi jalan digital (DRA)<\/li>\n\n<li>Ejen atau wakil<\/li>\n\n<li>Talian khas untuk tuntutan<\/li>\n\n<li>Portal talian pelanggan<\/li>\n\n<li>Cawangan khidmat pelanggan<\/li>\n\n<\/ul>\n\nPilihlah saluran yang termudah untuk anda, dan memenuhi keperluan spesifik anda.\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-35659b2 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"35659b2\" 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-37ee6a2 rotateGbG\" data-id=\"37ee6a2\" 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<div class=\"elementor-element elementor-element-e185599 e-grid e-con-full e-con e-parent\" data-id=\"e185599\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5e0188b e-con-full e-flex e-con e-child\" data-id=\"5e0188b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-332d6a9 elementor-widget elementor-widget-text-editor\" data-id=\"332d6a9\" 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<h3 class=\"noMargin whiteText translation-block\">Panduan ke-4 #<i>Ot-to<\/i><\/h3><p><strong>Ketahui istilah-istilah penting ini!<\/strong><\/p><p><strong>Pampasan untuk tempoh pembaikan yang dianggarkan (CART)<\/strong><br \/>Amaun yang dibayar oleh pengendali takaful\/syarikat insurans pihak lain bagi jumlah hari yang dianggarkan oleh Ajuster untuk membaiki kereta anda (bukan berdasarkan jumlah hari kereta anda berada di dalam bengkel). Ingat untuk simpan resit asal tambang teksi atau sewa kereta untuk tuntutan CART.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eb235a9 e-con-full e-flex e-con e-child\" data-id=\"eb235a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0ffdf70 elementor-widget elementor-widget-image\" data-id=\"0ffdf70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/elementor\/thumbs\/article06-tip04a-qtzndecx4ib0oisituocwk1w01v87hy4471qkf34de.png\" title=\"article06-tip04a\" alt=\"article06-tip04a\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-51204f8 e-con-full e-flex e-con e-parent\" data-id=\"51204f8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2e6c73d e-flex e-con-boxed e-con e-child\" data-id=\"2e6c73d\" 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-4af2273 elementor-position-left elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"4af2273\" 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=\"389\" height=\"353\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip04b.png\" class=\"attachment-full size-full wp-image-5438\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip04b.png 389w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip04b-300x272.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip04b-13x12.png 13w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/09\/article06-tip04b-83x75.png 83w\" sizes=\"(max-width:767px) 389px, 389px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Ekses<\/h3><p class=\"elementor-image-box-description\">Amaun yang anda perlu bayar tak kira ia salah anda ataupun tidak. Pengendali takaful\/syarikat insurans akan membayar baki tuntutan.<\/p><\/div><\/div>\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d24ae2 e-grid e-con-full e-con e-parent\" data-id=\"3d24ae2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-76650af e-con-full e-flex e-con e-child\" data-id=\"76650af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11e92cb elementor-widget elementor-widget-text-editor\" data-id=\"11e92cb\" 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<h3 class=\"noMargin whiteText\">Penambahbaikan pula<\/h3><p>Diguna pakai untuk kereta yang berusia 5 tahun atau lebih:<\/p><ul><li>Apabila alat ganti yang lama digantikan dengan alat ganti baharu yang asli.<\/li><li>Anda akan menanggung sebahagian kos untuk alat ganti baharu asli itu (bergantung pada usia kenderaan anda).<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a558ab8 e-con-full e-flex e-con e-child\" data-id=\"a558ab8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e948bb elementor-widget elementor-widget-image\" data-id=\"6e948bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/elementor\/thumbs\/article06-tip04c-qtznxmtu9408mbedo3k82y84do4owxa38cn1hv30h4.png\" title=\"article06-tip04c\" alt=\"article06-tip04c\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\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-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\t<p><strong>Peringatan:<\/strong> Sentiasa utamakan keselamatan. Jika anda terbabit dalam kemalangan, pastikan semua dalam keadaan baik dan selamat sebelum menghubungi pihak berkuasa, jika perlu. Dengan sedikit perancangan dan pilihan OD-KFK yang anda ada, anda pasti boleh kembali memandu seperti biasa.<\/p><p>Pastikan anda ingat untuk meneliti butiran sijil\/polisi anda, dan jika anda ada apa-apa soalan, pengendali takaful\/syarikat insurans anda sentiasa bersedia untuk membantu!<\/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-6c75073 elementor-widget elementor-widget-image\" data-id=\"6c75073\" 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\/rVYwX7NVPyc3w5rR8\" 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\/12\/JLU_In_Article_Banner_Link_BM.jpg\" class=\"attachment-full size-full wp-image-6286\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/JLU_In_Article_Banner_Link_BM.jpg 1949w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/JLU_In_Article_Banner_Link_BM-500x155.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/JLU_In_Article_Banner_Link_BM-1200x372.jpg 1200w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/JLU_In_Article_Banner_Link_BM-300x93.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/JLU_In_Article_Banner_Link_BM-768x238.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/JLU_In_Article_Banner_Link_BM-1536x477.jpg 1536w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/JLU_In_Article_Banner_Link_BM-18x6.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/JLU_In_Article_Banner_Link_BM-150x47.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/JLU_In_Article_Banner_Link_BM-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.webp 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu-300x126.png.webp 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.webp 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\/11\/Article-6_ENG.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\/11\/Article-6_BM-1.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>Jika anda ada perlindungan komprehensif, Own Damage Knock-for-Knock (OD-KFK) antara pilihan anda untuk tuntutan lebih pantas jika anda alami kemalangan. Pengendali takaful atau syarikat insurans anda akan buat tuntutan bagi pihak anda untuk kos pembaikan, walaupun bukan salah anda.<\/p>","protected":false},"author":1,"featured_media":6285,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5254","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-topics"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>A guide to understanding Own Damage Knock-for-Knock (OD-KFK) - 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\/a-guide-to-understanding-own-damage-knock-for-knock-od-kfk\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A guide to understanding Own Damage Knock-for-Knock (OD-KFK) - Jom Level Up\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re in a car accident, consider an OD-KFK claim for faster claims processing if you\u2019ve comprehensive coverage. 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