{"id":6696,"date":"2025-02-21T16:20:00","date_gmt":"2025-02-21T08:20:00","guid":{"rendered":"https:\/\/jomlevelup.my\/?p=6696"},"modified":"2025-02-24T15:46:40","modified_gmt":"2025-02-24T07:46:40","slug":"what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia","status":"publish","type":"post","link":"https:\/\/jomlevelup.my\/bm\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/","title":{"rendered":"What to do when your car is declared ATL or BER in Malaysia"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6696\" class=\"elementor elementor-6696\">\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\">What to do when your car is declared ATL or BER in 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\/2025\/02\/Article12_Otto-1.png\" class=\"attachment-full size-full wp-image-6703\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Article12_Otto-1.png 622w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Article12_Otto-1-500x500.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Article12_Otto-1-300x300.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Article12_Otto-1-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Article12_Otto-1-150x150.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Article12_Otto-1-75x75.png 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Article12_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>Owning a car comes with its share of ups and downs, but nothing quite prepares you for the moment when your beloved ride is declared a total loss. Total loss occurs when repair costs exceed the vehicle\u2019s actual cash value (ACV).<\/p><p>There are two types of total loss vehicles\u2014<strong>Actual Total Loss (ATL)<\/strong> dan <strong>Beyond Economic Repair (BER)<\/strong>. If the repair costs exceed the vehicle\u2019s ACV determined by its age, condition, and current market or agreed value, insurers or takaful operators (ITOs) may declare it a total loss under BER.<\/p><p>What do they really mean? More importantly, how do they affect your motor insurance\/takaful claim? Let\u2019s break it down!<\/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-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\/2025\/02\/article12-banner02.jpg\" class=\"attachment-full size-full wp-image-6717\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-banner02.jpg 1140w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-banner02-500x225.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-banner02-300x135.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-banner02-768x346.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-banner02-18x8.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-banner02-150x68.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-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-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\">Punca biasa ATL termasuk:<\/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>ATL happens when your vehicle is so badly damaged that the structural integrity is compromised and not roadworthy or unfi t to be driven. ITOs typically classify a car as ATL if :<\/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-2843919 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2843919\" 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-16502e2\" data-id=\"16502e2\" 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-2669123 elementor-position-left elementor-position-top elementor-vertical-align-middle hideTitle elementor-widget elementor-widget-image-box\" data-id=\"2669123\" 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\/2025\/02\/The-damage-is-severe-beyond-repair.png\" class=\"attachment-full size-full wp-image-6727\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-damage-is-severe-beyond-repair.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-damage-is-severe-beyond-repair-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-damage-is-severe-beyond-repair-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">The <strong>damage is severe<\/strong> beyond repair (think massive accidents, floods, or fires)<\/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-475e99a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"475e99a\" 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-cd1adf0\" data-id=\"cd1adf0\" 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-817e521 elementor-position-left elementor-position-top elementor-vertical-align-middle hideTitle elementor-widget elementor-widget-image-box\" data-id=\"817e521\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"#ATL\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-structural-integrity-is-compromised.png\" class=\"attachment-full size-full wp-image-6735\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-structural-integrity-is-compromised.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-structural-integrity-is-compromised-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-structural-integrity-is-compromised-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">The <strong>structural integrity<\/strong> (chassis, frame) is compromised, making it unsafe<\/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-cd9788f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cd9788f\" 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-169d828\" data-id=\"169d828\" 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-22b033f elementor-position-left elementor-position-top elementor-vertical-align-middle hideTitle elementor-widget elementor-widget-image-box\" data-id=\"22b033f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"#ATL\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-vehicle-cannot-be-restored.png\" class=\"attachment-full size-full wp-image-6739\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-vehicle-cannot-be-restored.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-vehicle-cannot-be-restored-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-vehicle-cannot-be-restored-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">The vehicle <strong>cannot be restored<\/strong> to a roadworthy condition<\/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-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<p class=\"elementor-heading-title elementor-size-default\"><i>Examples of ATL:<\/i><\/p>\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<ul>\n \t<li>Your car is completely wrecked in a major accident.<\/li>\n \t<li>Your car is stolen and recovered, but it s been stripped down or severely vandalised.<\/li>\n \t<li>Your car is submerged in a flood and the damage is extensive.<\/li>\n<\/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-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\/2025\/02\/article12-banner03.jpg\" class=\"attachment-full size-full wp-image-6746\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-banner03.jpg 1140w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-banner03-500x225.jpg 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-banner03-300x135.jpg 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-banner03-768x346.jpg 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-banner03-18x8.jpg 18w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-banner03-150x68.jpg 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-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-0db91da elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0db91da\" 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-1f3066c\" data-id=\"1f3066c\" 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-e3e02cb standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"e3e02cb\" 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\">What is Beyond Economic Repair (BER)?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dd526c elementor-widget elementor-widget-text-editor\" data-id=\"9dd526c\" 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\tBER is a financial decision rather than a structural one. Your car is considered BER if the cost of\nrepairing or restoring the motor vehicle to roadworthy condition is higher than the car\u2019s market value or\nthe sum insured at the time of the accident\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-026e0bf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"026e0bf\" 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-8571b1d\" data-id=\"8571b1d\" 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-dbd17cb elementor-position-left elementor-position-top elementor-vertical-align-middle hideTitle elementor-widget elementor-widget-image-box\" data-id=\"dbd17cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"#ATL\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-vehicle-can-be-repaired.png\" class=\"attachment-full size-full wp-image-6750\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-vehicle-can-be-repaired.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-vehicle-can-be-repaired-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-vehicle-can-be-repaired-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">The vehicle can be repaired, but the <strong>cost is uneconomical<\/strong><\/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-2c6143b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c6143b\" 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-8f013e4\" data-id=\"8f013e4\" 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-cf3a2cd elementor-position-left elementor-position-top elementor-vertical-align-middle hideTitle elementor-widget elementor-widget-image-box\" data-id=\"cf3a2cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"#ATL\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-repair-cost-exceeds.png\" class=\"attachment-full size-full wp-image-6751\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-repair-cost-exceeds.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-repair-cost-exceeds-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/The-repair-cost-exceeds-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">The <strong>repair cost exceeds<\/strong> a certain percentage of the car's market value or agreed value<\/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-7d45273 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d45273\" 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-4f3cd74\" data-id=\"4f3cd74\" 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-b98d691 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"b98d691\" 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<p class=\"elementor-heading-title elementor-size-default\"><i>Example:<\/i><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ce27f1 elementor-widget elementor-widget-text-editor\" data-id=\"7ce27f1\" 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\tYour car is valued at RM40,000, but repairs will cost RM45,000. Even though it can technically be fixed, it\u2019s financially impractical\u2014so it makes more sense for the ITO to declare the vehicle BER.\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-fd29a41 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fd29a41\" 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-5495d79\" data-id=\"5495d79\" 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-6b828b8 standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"6b828b8\" 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<p class=\"elementor-heading-title elementor-size-default\"><i>Examples of BER:<\/i><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acf4fb2 elementor-widget elementor-widget-text-editor\" data-id=\"acf4fb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Your car suffers severe damage in an accident.\u001a<\/li><li>The cost of parts and labour to fix your car is prohibitively expensive, even though it s technically<br \/>repairable.<\/li><\/ul><p>Different insurers or takaful operators have different thresholds, so always check your policy\/certificate.<\/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 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><strong>Insuring a BER vehicle<\/strong> is subject to the insurers\u2019 or takaful operators\u2019 underwriting requirements.<br \/><br \/>Be sure to understand coverage required, read the policy\/certificate document and compare options to find the best fit.<\/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-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=\"516\" height=\"500\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-1.png\" class=\"attachment-full size-full wp-image-6765\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-1.png 516w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-1-500x484.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-1-300x291.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-1-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-1-77x75.png 77w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-1-480x465.png 480w\" sizes=\"(max-width:767px) 480px, 516px\" \/>\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\">How do ITOs determine ATL or BER?<\/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\tITOs don\u2019t just take a glance at your car and make a call. Here\u2019s what they consider:\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 loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Repair-costs.png\" class=\"attachment-full size-full wp-image-6764\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Repair-costs.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Repair-costs-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Repair-costs-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> \u2013 ITOs will get assessments from workshops to determine how much it would cost to fix your vehicle<\/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\/2025\/02\/Market-value.png\" class=\"attachment-full size-full wp-image-6775\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Market-value.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Market-value-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Market-value-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Market value<\/strong> \u2013 If fixing your car costs more than what it\u2019s worth, insurers or takaful operators will likely declare it BER.<\/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\/2025\/02\/Agreed-value.png\" class=\"attachment-full size-full wp-image-6776\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Agreed-value.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Agreed-value-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Agreed-value-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Agreed value<\/strong> \u2013 If you have an agreed value in the policy\/certificate, the ITO will compensate you based on a pre-agreed amount, rather than market depreciation.<\/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-49d0a3a elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"49d0a3a\" 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\/2025\/02\/Depreciation.png\" class=\"attachment-full size-full wp-image-6780\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Depreciation.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Depreciation-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Depreciation-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> \u2013 Cars lose value over time, so insurers will take this into account.<\/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-96d982d elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"96d982d\" 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\/2025\/02\/Chassis-and-structural-damage.png\" class=\"attachment-full size-full wp-image-6781\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Chassis-and-structural-damage.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Chassis-and-structural-damage-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Chassis-and-structural-damage-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Chassis and structural damage<\/strong> \u2013 Even if repair costs are low, a compromised chassis = ATL.<\/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-d278879 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d278879\" 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-7f181a9 rotateGbG\" data-id=\"7f181a9\" 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-1570f57 standardTitle18 elementor-widget elementor-widget-heading\" data-id=\"1570f57\" 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-b7f3a3b elementor-widget elementor-widget-text-editor\" data-id=\"b7f3a3b\" 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>Vehicles declared BER by ITOs are assessed and repaired appropriately<\/strong>, with all necessary documentation including the roadworthiness certification by a credible vehicle inspection provider before the vehicles are permitted on the road.<\/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-7c26ddb\" data-id=\"7c26ddb\" 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-2f06dfc elementor-widget elementor-widget-image\" data-id=\"2f06dfc\" 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=\"516\" height=\"516\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-2.png\" class=\"attachment-full size-full wp-image-6785\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-2.png 516w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-2-500x500.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-2-300x300.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-2-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-2-150x150.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-2-75x75.png 75w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-2-480x480.png 480w\" sizes=\"(max-width:767px) 480px, 516px\" \/>\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-5757dcb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5757dcb\" 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-1790e57\" data-id=\"1790e57\" 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-b1d431e standardTitle24 elementor-widget elementor-widget-heading\" data-id=\"b1d431e\" 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\">What to do if your vehicle is declared ATL or BER?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d9c93f elementor-widget elementor-widget-text-editor\" data-id=\"5d9c93f\" 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>If your car is written off, don\u2019t panic\u2014follow these steps:<\/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\/2025\/02\/Communicate-with-insurers-or-takaful-operators-ITOs.png\" class=\"attachment-full size-full wp-image-6789\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Communicate-with-insurers-or-takaful-operators-ITOs.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Communicate-with-insurers-or-takaful-operators-ITOs-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Communicate-with-insurers-or-takaful-operators-ITOs-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Communicate with insurers or takaful operators (ITOs)<\/strong> \u2013 Your ITO will guide you on what to do next.<\/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\/2025\/02\/Prepare-documentation.png\" class=\"attachment-full size-full wp-image-6790\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Prepare-documentation.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Prepare-documentation-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Prepare-documentation-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Prepare documentation<\/strong> \u2013 You\u2019ll need your police report, adjuster\u2019s report, vehicle grant, and insurance policy\/takaful certificate<\/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\/2025\/02\/Settlement-and-payout.png\" class=\"attachment-full size-full wp-image-6791\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Settlement-and-payout.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Settlement-and-payout-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Settlement-and-payout-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Settlement and payout<\/strong> \u2013 Depending on your policy\/certificate, your ITOs will compensate you based on the market or agreed value.<\/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\/2025\/02\/Hand-over-the-vehicle.png\" class=\"attachment-full size-full wp-image-6792\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Hand-over-the-vehicle.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Hand-over-the-vehicle-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Hand-over-the-vehicle-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Hand over the vehicle<\/strong> \u2013 ITOs usually take possession of an ATL vehicle, which will be deregistered and scrapped.<\/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\/2025\/02\/Check-if-you-need-to-pay-the-bank.png\" class=\"attachment-full size-full wp-image-6793\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Check-if-you-need-to-pay-the-bank.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Check-if-you-need-to-pay-the-bank-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Check-if-you-need-to-pay-the-bank-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Check if you need to pay the bank<\/strong> \u2013 If you have an outstanding car loan, ITOs will make a settlement to the bank first. The balance, if any, will be paid to you.<\/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-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-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><strong>If your vehicle is declared ATL or BER<\/strong>, your No Claim Discount (NCD) resets to 0%, meaning your next premium\/contribution will be higher.<\/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=\"516\" height=\"452\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-3.png\" class=\"attachment-full size-full wp-image-6797\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-3.png 516w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-3-500x438.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-3-300x263.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-3-14x12.png 14w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-3-86x75.png 86w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-3-480x420.png 480w\" sizes=\"(max-width:767px) 480px, 516px\" \/>\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-1b63b32 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b63b32\" 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-cd686e4\" data-id=\"cd686e4\" 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-f2e5289 elementor-widget elementor-widget-text-editor\" data-id=\"f2e5289\" 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\tOnce the type of loss has been assessed and determined, these are the following steps that will take place.\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=\"1600\" height=\"2150\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/alt-ber.png\" class=\"attachment-full size-full wp-image-6801\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/alt-ber.png 1600w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/alt-ber-372x500.png 372w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/alt-ber-893x1200.png 893w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/alt-ber-223x300.png 223w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/alt-ber-768x1032.png 768w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/alt-ber-1143x1536.png 1143w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/alt-ber-1524x2048.png 1524w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/alt-ber-9x12.png 9w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/alt-ber-56x75.png 56w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/alt-ber-480x645.png 480w\" sizes=\"(max-width:767px) 480px, (max-width:1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-57b6e2d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"57b6e2d\" 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-2a78c32\" data-id=\"2a78c32\" 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-cec5276 elementor-widget elementor-widget-text-editor\" data-id=\"cec5276\" 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>Note: For more details on claims for ATL and BER vehicles, you may refer to Bank Negara Malaysia\u2019s (BNM) document on <em><a class=\"textLink\" href=\"https:\/\/www.bnm.gov.my\/documents\/20124\/948107\/pd_claims_settlement_practices.pdf\" target=\"_blank\" rel=\"noopener\">Claims Settlement Practices<\/a><\/em>, on page 53 and 54.<\/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-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-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-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\t<p>Types of compensation<\/p><ul><li><strong>Agreed value<\/strong>: Insurer or takaful operator will compensate you as agreed on the motor policy\/certificate.<\/li><li><strong>Market value<\/strong>: Compensation is based on the car\u2019s market value at the time of the accident, not the time of insurance renewal.<\/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-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=\"516\" height=\"511\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-5.png\" class=\"attachment-full size-full wp-image-6812\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-5.png 516w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-5-500x495.png 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-5-300x297.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-5-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-5-150x150.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-5-76x75.png 76w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-5-480x475.png 480w\" sizes=\"(max-width:767px) 480px, 516px\" \/>\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\">How to be better prepared for ATL or BER situations:<\/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-2176a44 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2176a44\" 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-3669eeb\" data-id=\"3669eeb\" 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-5ef7bc9 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"5ef7bc9\" 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\/2025\/02\/Ensure-adequate-coverage.png\" class=\"attachment-full size-full wp-image-6816\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Ensure-adequate-coverage.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Ensure-adequate-coverage-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Ensure-adequate-coverage-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Ensure adequate coverage<\/strong> \u2013 Make sure you have sufficient insurance\/takaful coverage. Consider getting Agreed Value coverage if you want more certainty about the payout in case of a total loss.<\/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-76c6c43 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"76c6c43\" 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\/2025\/02\/Drive-safe.png\" class=\"attachment-full size-full wp-image-6817\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Drive-safe.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Drive-safe-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Drive-safe-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Drive safe<\/strong> \u2013 Avoid risky driving behaviours to minimise the chance of severe accidents.<\/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-a7a5011 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"a7a5011\" 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\/2025\/02\/Contact-your-insurers-or-takaful-operators-promptly.png\" class=\"attachment-full size-full wp-image-6818\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Contact-your-insurers-or-takaful-operators-promptly.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Contact-your-insurers-or-takaful-operators-promptly-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Contact-your-insurers-or-takaful-operators-promptly-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Contact your insurers or takaful operators promptly<\/strong> \u2013 The sooner you report, the faster your claim can be processed.<\/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-955a6c8 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"955a6c8\" 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\/2025\/02\/Review-your-policycertificate.png\" class=\"attachment-full size-full wp-image-6819\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Review-your-policycertificate.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Review-your-policycertificate-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Review-your-policycertificate-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Review your policy\/certificate<\/strong> \u2013 Take the time to read and understand your insurance policy. This will help you know what's covered and what's not.<\/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-691a26b elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-vertical-align-middle standardTitle18 elementor-widget elementor-widget-image-box\" data-id=\"691a26b\" 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\/2025\/02\/Be-cautious-when-buying-second-hand-cars.png\" class=\"attachment-full size-full wp-image-6820\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Be-cautious-when-buying-second-hand-cars.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Be-cautious-when-buying-second-hand-cars-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Be-cautious-when-buying-second-hand-cars-75x75.png 75w\" sizes=\"(max-width:767px) 150px, 150px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><strong>Be cautious when buying second hand cars<\/strong> \u2013 Make sure to make informed decisions. Should you decide to buy a repaired BER vehicle, please request for the roadworthiness certificate issued by PUSPAKOM or any other authorised Vehicle Inspection Provider (VIP).<\/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-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\"><i><i>Ot-to<\/i><\/i> Guide 5<\/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\t<p><strong>Bank Negara Malaysia (BNM) has been pushing for clearer claims settlement practices<\/strong>, ensuring that insurers or takaful operators are fair and transparent in their dealings with policyholders\/certificate holders. This includes how they handle ATL and BER cases.<\/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-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=\"516\" height=\"524\" src=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-4.png\" class=\"attachment-full size-full wp-image-6808\" alt=\"\" srcset=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-4.png 516w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-4-492x500.png 492w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-4-295x300.png 295w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-4-12x12.png 12w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-4-74x75.png 74w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/Otto-Guide-4-480x487.png 480w\" sizes=\"(max-width:767px) 480px, 516px\" \/>\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-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\tDealing with ATL or BER vehicles can be stressful, but understanding what it means can make the process much easier.  Always stay informed about your insurance policy\/takaful, and don\u2019t be afraid of consulting with your insurers or takaful operators!\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-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile 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 500w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu-300x126.png 300w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu-150x63.png 150w, https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/03\/logo-jlu-480x201.png 480w\" sizes=\"(max-width:767px) 480px, 584px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2c2dc79\" data-id=\"2c2dc79\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a655fb elementor-widget elementor-widget-text-editor\" data-id=\"4a655fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Artikel ini adalah sebahagian daripada kempen \u2018Jom, Level Up\u2019 di bawah Liberalisasi Secara Berperingkat 2.0, Program Pendidikan Pengguna (CEP), oleh <span style=\"color: #336842;\"><a style=\"color: #336842;\" href=\"https:\/\/piam.org.my\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Persatuan Insurans Am Malaysia (PIAM)<\/span><\/a> <\/span>dan <span style=\"color: #336842;\"><a style=\"color: #336842;\" href=\"https:\/\/takaful4all.org\/ms\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Malaysian Takaful Association (MTA)<\/span><\/a>.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5d7a691 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d7a691\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a8faf08\" data-id=\"a8faf08\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3330cd8 elementor-widget elementor-widget-text-editor\" data-id=\"3330cd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Penafian: Maklumat-maklumat yang diberikan adalah untuk pengetahuan umum sahaja. PIAM dan MTA tidak membuat sebarang perwakilan atau jaminan berkenaan maklumat-maklumat ini, termasuk dan tidak terhad pada apa-apa perwakilan atau jaminan berkenaan dengan kesesuaian bagi tujuan tertentu bagi maklumat tersebut sejauh mana yang dibenarkan dari sisi undang-undang-undang. Meskipun usaha-usaha sudah dilaksanakan untuk memastikan maklumat yang diletakkan dalam artikel ini adalah tepat, boleh dipercayai dan lengkap ketika tempoh penulisan, maklumat yang diberikan dalam artikel ini tidak sepatutnya diberi kebergantungan untuk membuat sebarang keputusan berkaitan kewangan, pelaburan, hartanah atau undang-undang. Tambahan lagi, maklumat ini tidak sepatutnya menggantikan nasihat daripada individu professional terlatih yang boleh mempertimbangkan fakta dan situasi peribadi anda, dan kami tidak menanggung sebarang liabiliti jika anda menggunakan maklumat ini untuk membuat sebarang keputusan.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2809e42e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2809e42e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-51244f72\" data-id=\"51244f72\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e9dbf39 elementor-align-center eng elementor-widget elementor-widget-button\" data-id=\"5e9dbf39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/ATL-BER-Article-Page-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\/12\/Article-11-BM.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Muat turun dan kongsikan artikel, sekarang!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>This article breaks down what ATL and BER mean, how ITOs assess them, and what you should do if your car is declared a total loss.<\/p>","protected":false},"author":1,"featured_media":6698,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6696","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-topics"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What to do when your car is declared ATL or BER in Malaysia - 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\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What to do when your car is declared ATL or BER in Malaysia - Jom Level Up\" \/>\n<meta property=\"og:description\" content=\"This article breaks down what ATL and BER mean, how ITOs assess them, and what you should do if your car is declared a total loss.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/jomlevelup.my\/bm\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/\" \/>\n<meta property=\"og:site_name\" content=\"Jom Level Up\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-21T08:20:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-24T07:46:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-thumb.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"384\" \/>\n\t<meta property=\"og:image:height\" content=\"299\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"sky\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"sky\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\\\/\"},\"author\":{\"name\":\"sky\",\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/#\\\/schema\\\/person\\\/23d260f0812bada32d34a04f767c4df4\"},\"headline\":\"What to do when your car is declared ATL or BER in Malaysia\",\"datePublished\":\"2025-02-21T08:20:00+00:00\",\"dateModified\":\"2025-02-24T07:46:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\\\/\"},\"wordCount\":1245,\"publisher\":{\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/jomlevelup.my\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/article12-thumb.jpg\",\"articleSection\":[\"Topics\"],\"inLanguage\":\"ms-MY\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\\\/\",\"url\":\"https:\\\/\\\/jomlevelup.my\\\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\\\/\",\"name\":\"What to do when your car is declared ATL or BER in Malaysia - Jom Level Up\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/jomlevelup.my\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/article12-thumb.jpg\",\"datePublished\":\"2025-02-21T08:20:00+00:00\",\"dateModified\":\"2025-02-24T07:46:40+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\\\/#breadcrumb\"},\"inLanguage\":\"ms-MY\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/jomlevelup.my\\\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ms-MY\",\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\\\/#primaryimage\",\"url\":\"https:\\\/\\\/jomlevelup.my\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/article12-thumb.jpg\",\"contentUrl\":\"https:\\\/\\\/jomlevelup.my\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/article12-thumb.jpg\",\"width\":384,\"height\":299},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/jomlevelup.my\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What to do when your car is declared ATL or BER in Malaysia\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/#website\",\"url\":\"https:\\\/\\\/jomlevelup.my\\\/\",\"name\":\"Jom Level Up\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/jomlevelup.my\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ms-MY\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/#organization\",\"name\":\"Jom Level Up\",\"url\":\"https:\\\/\\\/jomlevelup.my\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ms-MY\",\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/jomlevelup.my\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/696.jpg\",\"contentUrl\":\"https:\\\/\\\/jomlevelup.my\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/696.jpg\",\"width\":696,\"height\":696,\"caption\":\"Jom Level Up\"},\"image\":{\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/jomlevelup.my\\\/#\\\/schema\\\/person\\\/23d260f0812bada32d34a04f767c4df4\",\"name\":\"sky\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ms-MY\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/039ed461d55eea69a5e594b9beb294f631703f6798ef57979e456f356c52b30b?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/039ed461d55eea69a5e594b9beb294f631703f6798ef57979e456f356c52b30b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/039ed461d55eea69a5e594b9beb294f631703f6798ef57979e456f356c52b30b?s=96&d=mm&r=g\",\"caption\":\"sky\"},\"sameAs\":[\"https:\\\/\\\/jomlevelup.my\"],\"url\":\"https:\\\/\\\/jomlevelup.my\\\/bm\\\/author\\\/sky\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What to do when your car is declared ATL or BER in Malaysia - Jom Level Up","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/jomlevelup.my\/bm\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/","og_locale":"ms_MY","og_type":"article","og_title":"What to do when your car is declared ATL or BER in Malaysia - Jom Level Up","og_description":"This article breaks down what ATL and BER mean, how ITOs assess them, and what you should do if your car is declared a total loss.","og_url":"https:\/\/jomlevelup.my\/bm\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/","og_site_name":"Jom Level Up","article_published_time":"2025-02-21T08:20:00+00:00","article_modified_time":"2025-02-24T07:46:40+00:00","og_image":[{"width":384,"height":299,"url":"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-thumb.jpg","type":"image\/jpeg"}],"author":"sky","twitter_card":"summary_large_image","twitter_misc":{"Written by":"sky","Est. reading time":"12 minit"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/jomlevelup.my\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/#article","isPartOf":{"@id":"https:\/\/jomlevelup.my\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/"},"author":{"name":"sky","@id":"https:\/\/jomlevelup.my\/#\/schema\/person\/23d260f0812bada32d34a04f767c4df4"},"headline":"What to do when your car is declared ATL or BER in Malaysia","datePublished":"2025-02-21T08:20:00+00:00","dateModified":"2025-02-24T07:46:40+00:00","mainEntityOfPage":{"@id":"https:\/\/jomlevelup.my\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/"},"wordCount":1245,"publisher":{"@id":"https:\/\/jomlevelup.my\/#organization"},"image":{"@id":"https:\/\/jomlevelup.my\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/#primaryimage"},"thumbnailUrl":"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-thumb.jpg","articleSection":["Topics"],"inLanguage":"ms-MY"},{"@type":"WebPage","@id":"https:\/\/jomlevelup.my\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/","url":"https:\/\/jomlevelup.my\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/","name":"What to do when your car is declared ATL or BER in Malaysia - Jom Level Up","isPartOf":{"@id":"https:\/\/jomlevelup.my\/#website"},"primaryImageOfPage":{"@id":"https:\/\/jomlevelup.my\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/#primaryimage"},"image":{"@id":"https:\/\/jomlevelup.my\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/#primaryimage"},"thumbnailUrl":"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-thumb.jpg","datePublished":"2025-02-21T08:20:00+00:00","dateModified":"2025-02-24T07:46:40+00:00","breadcrumb":{"@id":"https:\/\/jomlevelup.my\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/#breadcrumb"},"inLanguage":"ms-MY","potentialAction":[{"@type":"ReadAction","target":["https:\/\/jomlevelup.my\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/"]}]},{"@type":"ImageObject","inLanguage":"ms-MY","@id":"https:\/\/jomlevelup.my\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/#primaryimage","url":"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-thumb.jpg","contentUrl":"https:\/\/jomlevelup.my\/wp-content\/uploads\/2025\/02\/article12-thumb.jpg","width":384,"height":299},{"@type":"BreadcrumbList","@id":"https:\/\/jomlevelup.my\/what-to-do-when-your-car-is-declared-atl-or-ber-in-malaysia\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/jomlevelup.my\/"},{"@type":"ListItem","position":2,"name":"What to do when your car is declared ATL or BER in Malaysia"}]},{"@type":"WebSite","@id":"https:\/\/jomlevelup.my\/#website","url":"https:\/\/jomlevelup.my\/","name":"Jom Level Up","description":"","publisher":{"@id":"https:\/\/jomlevelup.my\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/jomlevelup.my\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ms-MY"},{"@type":"Organization","@id":"https:\/\/jomlevelup.my\/#organization","name":"Jom Level Up","url":"https:\/\/jomlevelup.my\/","logo":{"@type":"ImageObject","inLanguage":"ms-MY","@id":"https:\/\/jomlevelup.my\/#\/schema\/logo\/image\/","url":"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/05\/696.jpg","contentUrl":"https:\/\/jomlevelup.my\/wp-content\/uploads\/2024\/05\/696.jpg","width":696,"height":696,"caption":"Jom Level Up"},"image":{"@id":"https:\/\/jomlevelup.my\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/jomlevelup.my\/#\/schema\/person\/23d260f0812bada32d34a04f767c4df4","name":"sky","image":{"@type":"ImageObject","inLanguage":"ms-MY","@id":"https:\/\/secure.gravatar.com\/avatar\/039ed461d55eea69a5e594b9beb294f631703f6798ef57979e456f356c52b30b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/039ed461d55eea69a5e594b9beb294f631703f6798ef57979e456f356c52b30b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/039ed461d55eea69a5e594b9beb294f631703f6798ef57979e456f356c52b30b?s=96&d=mm&r=g","caption":"sky"},"sameAs":["https:\/\/jomlevelup.my"],"url":"https:\/\/jomlevelup.my\/bm\/author\/sky\/"}]}},"_links":{"self":[{"href":"https:\/\/jomlevelup.my\/bm\/wp-json\/wp\/v2\/posts\/6696","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jomlevelup.my\/bm\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jomlevelup.my\/bm\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jomlevelup.my\/bm\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jomlevelup.my\/bm\/wp-json\/wp\/v2\/comments?post=6696"}],"version-history":[{"count":145,"href":"https:\/\/jomlevelup.my\/bm\/wp-json\/wp\/v2\/posts\/6696\/revisions"}],"predecessor-version":[{"id":6878,"href":"https:\/\/jomlevelup.my\/bm\/wp-json\/wp\/v2\/posts\/6696\/revisions\/6878"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jomlevelup.my\/bm\/wp-json\/wp\/v2\/media\/6698"}],"wp:attachment":[{"href":"https:\/\/jomlevelup.my\/bm\/wp-json\/wp\/v2\/media?parent=6696"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jomlevelup.my\/bm\/wp-json\/wp\/v2\/categories?post=6696"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jomlevelup.my\/bm\/wp-json\/wp\/v2\/tags?post=6696"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}