{"id":6340,"date":"2024-12-23T17:30:38","date_gmt":"2024-12-23T09:30:38","guid":{"rendered":"https:\/\/jomlevelup.my\/?p=6340"},"modified":"2024-12-26T23:34:12","modified_gmt":"2024-12-26T15:34:12","slug":"claims-settlements-and-your-rightsa-malaysian-drivers-handbook","status":"publish","type":"post","link":"https:\/\/jomlevelup.my\/bm\/claims-settlements-and-your-rightsa-malaysian-drivers-handbook\/","title":{"rendered":"Tuntutan, Penyelesaian, dan Hak Anda: Panduan Buat Para Pemandu di Malaysia"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6340\" class=\"elementor elementor-6340\">\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, Penyelesaian, dan Hak Anda:<br>Panduan Buat Para Pemandu di Malaysia<\/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-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile 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-56d90ce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"56d90ce\" 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-1786c69\" data-id=\"1786c69\" 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-4c1dcc8 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"4c1dcc8\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Rujuk pada panduan berguna ini, yang bermanfaat untuk para pemandu di Malaysia dalam memahami tentang hak-hak mereka, proses tuntutan, dan tip-tip menangani situasi takaful\/insurans.<\/h2>\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-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\/12\/Article11_Otto-1.png\" class=\"attachment-full size-full wp-image-6353\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/Article11_Otto-1.png 622w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/Article11_Otto-1-500x500.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/Article11_Otto-1-300x300.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/Article11_Otto-1-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/Article11_Otto-1-150x150.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/Article11_Otto-1-75x75.png 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/Article11_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>Insiden kemalangan boleh membuatkan kita tertekan. Sama ada insiden kecil atau yang lebih serius, anda boleh menjimatkan masa, wang serta mengurangkan stres jika anda tahu hak-hak anda dan bagaimana untuk menangani kerosakan dan penyelesaian. Rujuk panduan ini untuk memahami apa yang perlu dijangka dan bagaimana anda boleh melindungi diri.<\/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-236f8a7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"236f8a7\" 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-11a0dc5\" data-id=\"11a0dc5\" 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-625465e standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"625465e\" 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\">Jadi, apa sebenarnya penyelesaian dan kerosakan?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63fcfe7 elementor-widget elementor-widget-text-editor\" data-id=\"63fcfe7\" 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>Dalam dunia takaful\/insurans motor, penyelesaian merujuk pada pampasan yang diberikan pengendali takaful\/syarikat insurans anda untuk menanggung kerosakan atau kerugian akibat kemalangan. Kerosakan pula boleh membawa makna sama ada kemudaratan dilakukan terhadap kenderaan anda (atau milik pihak lain) atau pampasan diberikan untuk kerugian tersebut.<\/p><p>Kebanyakan pelan insurans motor di Malaysia menawarkan dua jenis liputan perlindungan utama:<\/p><ul><li><strong>Kerosakan Sendiri (OD):<\/strong> Liputan perlindungan ini menanggung pembaikan terhadap kenderaan anda sendiri, tak kira punca kemalangan daripada siapa.<\/li><li><strong>Liabiliti Pihak Ketiga:<\/strong> Liputan perlindungan ini menanggung kerosakan terhadap kenderaan dan harta pihak lain, serta kecederaan pihak ketiga, untuk kemalangan akibat salah anda.<\/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-3942c11 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3942c11\" 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-6375c30\" data-id=\"6375c30\" 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-7cdfecb elementor-widget elementor-widget-image\" data-id=\"7cdfecb\" 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=\"1140\" height=\"514\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner02.jpg\" class=\"attachment-full size-full wp-image-6355\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner02.jpg 1140w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner02-500x225.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner02-300x135.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner02-768x346.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner02-18x8.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner02-150x68.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner02-480x216.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1140px) 100vw, 1140px\" \/>\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-7a95e13 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a95e13\" 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-2cfe2a4\" data-id=\"2cfe2a4\" 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-da03431 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"da03431\" 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\">Langkah 1: Memfailkan Tuntutan Anda<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f723d7 elementor-widget elementor-widget-text-editor\" data-id=\"4f723d7\" 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>Selepas kemalangan, anda perlu memfailkan tuntutan anda secepat mungkin. Ini yang mesti anda lakukan:<\/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-077b93a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"077b93a\" 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-fe58c03\" data-id=\"fe58c03\" 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-5c6e14f elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"5c6e14f\" 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=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-01.png\" class=\"attachment-full size-full wp-image-6359\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-01.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-01-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-01-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Rekodkan semuanya<\/strong><br>\nAmbil gambar kerosakan, lokasi, dan sebarang kecederaan dengan jelas. Kongsi maklumat anda dengan pemandu\/para pemandu lain yang terlibat.<\/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-ee80504 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"ee80504\" 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\/12\/article11-icon-02.png\" class=\"attachment-full size-full wp-image-6361\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-02.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-02-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-02-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Buat laporan polis<\/strong><br>\nIni wajib dilakukan dalam tempoh 24 jam selepas berlakunya kemalangan. Tanpa laporan polis, tuntutan anda mungkin ditolak.<\/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-1d5cfd9 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"1d5cfd9\" 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\/12\/article11-icon-03.png\" class=\"attachment-full size-full wp-image-6362\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-03.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-03-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-03-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Maklumkan kepada pengendali takaful\/syarikat insurans anda<\/strong><br>\nHantarkan tuntutan anda bersama dengan laporan polis dan dokumen sokongan seperti bukti kerosakan.<\/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-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 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-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\t<p>Baca artikel-artikel ini untuk meningkatkan kefahaman anda tentang kemalangan dan tuntutan:<\/p><ul><li><span style=\"text-decoration: underline;\"><a class=\"whiteText\" href=\"https:\/\/jomlevelup.my\/bm\/got-into-an-accident-key-things-you-must-do-and-how-motor-insurance-takaful-helps\/\">Alami kemalangan? Perkara utama anda kena buat.<\/a><\/span><\/li><li><span style=\"text-decoration: underline;\"><a class=\"whiteText\" href=\"https:\/\/jomlevelup.my\/bm\/dont-get-tow-tally-stressed-a-guide-to-managing-car-troubles\/\">Panduan menunda kereta, supaya masa anda tidak tertunda<\/a><\/span><\/li><li><span style=\"text-decoration: underline;\"><a class=\"whiteText\" href=\"https:\/\/jomlevelup.my\/bm\/how-to-file-motor-insurance-takaful-claims-digitally\/\">Pemfailan tuntutan secara digital. Bagaimana?<\/a><\/span><\/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<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=\"552\" height=\"425\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-01.png\" class=\"attachment-full size-full wp-image-6366\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-01.png 552w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-01-500x385.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-01-300x231.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-01-16x12.png 16w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-01-97x75.png 97w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-01-480x370.png 480w\" sizes=\"(max-width:767px) 480px, 552px\" \/>\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-6acf144 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6acf144\" 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-d9379f4\" data-id=\"d9379f4\" 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-bc6e961 elementor-widget elementor-widget-image\" data-id=\"bc6e961\" 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=\"1140\" height=\"514\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner03.jpg\" class=\"attachment-full size-full wp-image-6371\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner03.jpg 1140w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner03-500x225.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner03-300x135.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner03-768x346.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner03-18x8.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner03-150x68.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner03-480x216.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1140px) 100vw, 1140px\" \/>\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-38e43f4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"38e43f4\" 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-8cfd94d\" data-id=\"8cfd94d\" 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-11f6d94 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"11f6d94\" 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\">Langkah 2: Penyelesaian<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29cf316 elementor-widget elementor-widget-text-editor\" data-id=\"29cf316\" 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 tuntutan anda diproses, pengendali takaful\/syarikat insurans anda akan menilai tahap kerosakan dan menentukan jumlah penyelesaian. Ini yang perlu anda tahu:<\/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-5c62dbd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c62dbd\" 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-012c0c0\" data-id=\"012c0c0\" 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-2bd110e elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"2bd110e\" 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\/12\/article11-icon-04.png\" class=\"attachment-full size-full wp-image-6372\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-04.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-04-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-04-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Kos pembaikan<\/strong><br>\nPengendali takaful\/syarikat insurans akan meluluskan pembaikan di bengkel diiktiraf mereka atau membayar balik anda berdasarkan anggaran yang telah diluluskan.\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-ee3fe12 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"ee3fe12\" 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\/12\/article11-icon-05.png\" class=\"attachment-full size-full wp-image-6376\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-05.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-05-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-05-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Susut nilai<\/strong><br>\nUntuk kereta yang lebih lama (biasanya melebihi 5 tahun), anda mungkin berhadapan potongan penambaikan . Ini bermaksud anda mungkin menerima pembayaran balik yang lebih rendah yang mencerminkan nilai kereta sebelum kemalangan.\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-71e54e2 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"71e54e2\" 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\/12\/article11-icon-06.png\" class=\"attachment-full size-full wp-image-6377\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-06.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-06-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-06-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Ekses<\/strong><br>\nIni adalah sebahagian kos pembaikan yang anda perlu bayar sebelum takaful\/ insurans dikenakan. Jumlah ini bergantung pada sijil\/polisi 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-356e6de elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"356e6de\" 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\/12\/article11-icon-07.png\" class=\"attachment-full size-full wp-image-6378\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-07.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-07-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-07-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><span class=\"mobile\"><strong>CART (Compensation for<br>Assessed Repair Time)<\/strong><br><\/span>\n<span class=\"desktop\"><strong>CART (Pampasan untuk Tempoh Pembaikan yang Dianggarkan)<\/strong><br><\/span>\nJika kereta anda sedang dibaiki dan anda memerlukan pengangkutan lain, anda mungkin layak untuk CART. Elaun harian ini membantu anda menanggung kos sewa kereta atau teksi. Semak dengan 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-a02232b elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"a02232b\" 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\/12\/article11-icon-08-1.png\" class=\"attachment-full size-full wp-image-6380\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-08-1.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-08-1-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-icon-08-1-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Penyelesaian kerugian menyeluruh<\/strong><br>\nJika kos pembaikan melebihi nilai diinsuranskan untuk kereta, pengendali takaful\/syarikat insurans mungkin akan mengisytiharkannya sebagai kerugian menyeluruh dan memberi pampasan kepada anda mengikut nilai dipersetujui atau nilai pasaran kereta tersebut.<\/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-bc833a9 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc833a9\" 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-b4e836a rotateGbG\" data-id=\"b4e836a\" 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-d178f7b standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"d178f7b\" 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-4a766c5 elementor-widget elementor-widget-text-editor\" data-id=\"4a766c5\" 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>Berapa lama sebelum tuntutan saya diselesaikan? Ia bergantung pada tahap kerumitan tuntutan anda. Secara purata, pembayaran untuk tuntutan kerosakan sendiri memakan masa selama dua bulan daripada tarikh notifikasi. Tuntutan kerosakan harta pihak ketiga selalunya mengambil masa lebih panjang untuk mendapat pembayaran.<\/p><p><span style=\"text-decoration: underline;\"><a class=\"whiteText\" href=\"https:\/\/www.bnm.gov.my\/documents\/20124\/2724769\/ar2019_en_box4.pdf\" target=\"_blank\" rel=\"noopener\">Sumber: BNM<\/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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7794e5d\" data-id=\"7794e5d\" 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-9755fd5 elementor-widget elementor-widget-image\" data-id=\"9755fd5\" 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=\"552\" height=\"467\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-02.png\" class=\"attachment-full size-full wp-image-6387\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-02.png 552w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-02-500x423.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-02-300x254.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-02-14x12.png 14w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-02-89x75.png 89w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-02-480x406.png 480w\" sizes=\"(max-width:767px) 480px, 552px\" \/>\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-ab17cc7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ab17cc7\" 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-e3c87b3\" data-id=\"e3c87b3\" 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-ccbe870 elementor-widget elementor-widget-image\" data-id=\"ccbe870\" 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=\"1140\" height=\"514\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner04.jpg\" class=\"attachment-full size-full wp-image-6388\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner04.jpg 1140w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner04-500x225.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner04-300x135.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner04-768x346.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner04-18x8.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner04-150x68.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-banner04-480x216.jpg 480w\" sizes=\"(max-width:767px) 480px, (max-width:1140px) 100vw, 1140px\" \/>\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-0da9cdf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0da9cdf\" 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-f11249e\" data-id=\"f11249e\" 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-96c5247 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"96c5247\" 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\">Langkah 3: Ketahui Hak-Hak Anda<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fd258b elementor-widget elementor-widget-text-editor\" data-id=\"3fd258b\" 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\tSebagai pemegang sijil\/pemegang polisi, anda mempunyai hak untuk mendapat layanan yang adil semasa proses tuntutan. Ini termasuk:\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-f7a23f8 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"f7a23f8\" 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-35dfa14\" data-id=\"35dfa14\" 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-ac2bc4d elementor-widget elementor-widget-image\" data-id=\"ac2bc4d\" 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\/article11-icon-09-qyxd2e4l4mxnbzhlzti26wew7nb9wuliutn4bfyjlc.png\" title=\"article11-icon-09\" alt=\"article11-icon-09\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-743994b elementor-widget elementor-widget-text-editor\" data-id=\"743994b\" 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\tTuntutan pemprosesan mengikut masa sepatutnya (pengendali takaful\/ syarikat insurans mesti mematuhi jangka masa yang ditetapkan).\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-50a87b4\" data-id=\"50a87b4\" 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-291ec81 elementor-widget elementor-widget-image\" data-id=\"291ec81\" 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\/article11-icon-10-qyxd2its2t42y1as8dj71d876ko3zc46jgwjptrkq8.png\" title=\"article11-icon-10\" alt=\"article11-icon-10\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b43169f elementor-widget elementor-widget-text-editor\" data-id=\"b43169f\" 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\tKetelusan mengenai pengecualian dan liputan dalam perlindungan 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<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-7c88555\" data-id=\"7c88555\" 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-0d1ebb8 elementor-widget elementor-widget-image\" data-id=\"0d1ebb8\" 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\/article11-icon-11-qyxd2niz0zaik33ygxkbvu1i5i0y1tmu845z47klv4.png\" title=\"article11-icon-11\" alt=\"article11-icon-11\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2eabb1 elementor-widget elementor-widget-text-editor\" data-id=\"e2eabb1\" 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\tHak untuk membuat rayuan jika anda rasa tuntutan anda dinafikan dengan tidak adil.\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-ecd9e50 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ecd9e50\" 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-23bb922 rotateGbG\" data-id=\"23bb922\" 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-629f135 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"629f135\" 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-cf5e231 elementor-widget elementor-widget-text-editor\" data-id=\"cf5e231\" 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\tSentiasa baca dan fahami polisi insurans\/sijil takaful anda. Lebih baik untuk tahu tentang tahap liputan yang ada sebagai persediaan jika ditimpa kemalangan!\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-cbbe46c\" data-id=\"cbbe46c\" 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-a67b294 elementor-widget elementor-widget-image\" data-id=\"a67b294\" 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=\"552\" height=\"425\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-03.png\" class=\"attachment-full size-full wp-image-6407\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-03.png 552w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-03-500x385.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-03-300x231.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-03-16x12.png 16w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-03-97x75.png 97w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-03-480x370.png 480w\" sizes=\"(max-width:767px) 480px, 552px\" \/>\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-7028acb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7028acb\" 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-097621c\" data-id=\"097621c\" 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-b212d99 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"b212d99\" 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\">Cabaran-cabaran yang kerap dialami dalam penyelesaian<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c4a5d4 elementor-widget elementor-widget-text-editor\" data-id=\"1c4a5d4\" 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>Urusan tuntutan bukan selalu akan berjalan dengan lancar. Ini antara kesulitan-kesulitan lazim yang mungkin dihadapi anda:<\/p><ul><li><strong>Penolakan tuntutan:<\/strong> Selalunya berlaku akibat dokumen yang tidak lengkap, laporan yang lambat dibuat, atau liputan yang tidak mencukupi untuk insiden tersebut.<\/li><li><strong>Pertikaian akibat penilaian:<\/strong> Anda dan pengendali takaful\/syarikat insurans anda mungkin berbeza pendapat mengenai jumlah pampasan.<\/li><li><strong>Penangguhan pembaikan:<\/strong> Kadangkala, bengkel mengambil masa lebih dari dijangka untuk membaiki sepenuhnya.<\/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-0c98ef3 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c98ef3\" 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-f6d89c7 rotateGbG\" data-id=\"f6d89c7\" 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-148e23d standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"148e23d\" 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-961f34e elementor-widget elementor-widget-text-editor\" data-id=\"961f34e\" 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\tJika pertikaian berlaku, anda boleh memanjangkan kes anda kepada Bank Negara Malaysia atau dapatkan bantuan daripada Ombudsman for Financial Services (OFS).\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-89f95ed\" data-id=\"89f95ed\" 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-23778c9 elementor-widget elementor-widget-image\" data-id=\"23778c9\" 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=\"552\" height=\"425\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-04.png\" class=\"attachment-full size-full wp-image-6411\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-04.png 552w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-04-500x385.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-04-300x231.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-04-16x12.png 16w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-04-97x75.png 97w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/article11-tip-04-480x370.png 480w\" sizes=\"(max-width:767px) 480px, 552px\" \/>\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-4d6cbef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d6cbef\" 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-e12fde2\" data-id=\"e12fde2\" 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-5e75efe standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"5e75efe\" 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\">Panduan tambahan ringkas<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a8bedc elementor-widget elementor-widget-text-editor\" data-id=\"5a8bedc\" 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<ol><li><strong>Liputan menunda:<\/strong> Banyak sijil\/polisi ada liputan perkhidmatan menunda untuk kenderaan yang rosak atau kemalangan. Sentiasa hubungi pengendali takaful atau syarikat insurans anda untuk elakkan kos tambahan yang tak perlu dibayar! Gunakan aplikasi bantuan tepi jalan digital, aplikasi mesej, talian khidmat pelanggan atau laman web untuk hubungi mereka.<\/li><li><strong>Bengkel diiktiraf:<\/strong> Menggunakan bengkel yang diiktiraf memastikan pembaikan berkualiti dan proses tuntutan yang lancar.<\/li><\/ol>\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-0b61990 elementor-widget elementor-widget-text-editor\" data-id=\"0b61990\" 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>Pemahaman mengenai proses tuntutan dan hak-hak anda amat membantu dalam menangani penyelesaian takaful\/insurans motor di Malaysia. Amalkan sikap proaktif\u2014tahu dan fahami sijil\/polisi anda, dokumen semua yang perlu selepas kemalangan, dan jangan ragu-ragu untuk tanyakan soalan.<\/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-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-8bfd251 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8bfd251\" 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-6c5ad00\" data-id=\"6c5ad00\" 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-7e4a593 elementor-widget elementor-widget-image\" data-id=\"7e4a593\" 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\/yq8e4Xs9M5Cdpzcy8\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1949\" height=\"606\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/A11_1.jpg\" class=\"attachment-full size-full wp-image-6472\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/A11_1.jpg 1949w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/A11_1-500x155.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/A11_1-1200x373.jpg 1200w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/A11_1-300x93.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/A11_1-768x239.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/A11_1-1536x478.jpg 1536w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/A11_1-18x6.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/A11_1-150x47.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/12\/A11_1-480x149.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<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. 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