Cara Mudah Tuntut Pampasan bagi Kerosakan Kenderaan dalam Kemalangan Jalan Raya
Faham Jenis-Jenis Kerosakan
A. Kerosakan Kecil
Kerosakan kecil macam calar atau lekuk kecil tak jejaskan fungsi kereta sangat. Tapi, tetap boleh tuntut insurans.
B. Kerosakan Sederhana
Kerosakan sederhana perlu pembaikan tapi tak rosakkan keseluruhan kereta. Contohnya, bampar patah atau lampu pecah.
C. Kerosakan Teruk
Kerosakan teruk rosakkan struktur utama kereta macam rangka bengkok atau enjin rosak. Kerosakan macam ni memerlukan kos pembaikan yang besar atau mungkin penggantian.
Langkah-Langkah Tuntutan Pampasan
A. Laporkan Kemalangan kepada Polis
Pertama sekali, laporkan kemalangan kepada polis dan dapatkan laporan polis. Laporan ni wajib untuk buat tuntutan insurans.
B. Hubungi Syarikat Insurans
Telefon syarikat insurans lepas peguam kemalangan dan beritahu semua butiran. Ini penting untuk mulakan proses tuntutan.
C. Kumpul Bukti Kerosakan
Ambil gambar kereta yang rosak dari pelbagai sudut. Juga, dapatkan laporan penilaian kerosakan dari bengkel yang diiktiraf.
Isi Borang Tuntutan dengan Betul
A. Isi Borang Tuntutan
Isi borang tuntutan yang diberi oleh syarikat insurans dengan lengkap dan tepat. Semua maklumat kena betul.
B. Sertakan Dokumen Sokongan
Hantar semua dokumen sokongan seperti laporan polis, gambar kerosakan, dan laporan penilaian bersama borang tuntutan. Ini akan bantu cepatkan proses tuntutan.
Siasatan dan Penilaian Kerosakan
A. Siasatan oleh Syarikat Insurans
Syarikat insurans akan buat siasatan untuk pastikan semua maklumat dalam tuntutan betul. Mereka mungkin akan tengok kereta yang rosak.
B. Penilaian Kerosakan
Penilai dari syarikat insurans akan buat laporan penilaian kerosakan untuk tentukan jumlah pampasan.
Rundingan dan Penyelesaian Tuntutan
A. Rundingan Pampasan
Kalau tak setuju dengan jumlah pampasan, boleh runding lagi. Sediakan bukti tambahan kalau perlu.
B. Penyelesaian Akhir
Lepas setuju, syarikat insurans akan bayar pampasan. Simpan semua dokumen untuk rujukan masa depan.
Kesimpulan
Prosedur tuntutan pampasan kerosakan kereta tak susah kalau ikut langkah yang betul. Laporkan kemalangan cepat, kumpul bukti yang cukup, dan isi borang dengan tepat. Kalau ada masalah, tanya syarikat insurans atau dapatkan nasihat peguam.
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