Cara Tuntut Insurans Kemalangan Kereta dengan Mudah
Kenapa Perlu Laporkan Kemalangan?
A. Panggil Polis Dulu
Lepas kemalangan, benda pertama yang kena buat ialah panggil polis. Laporan polis ni penting sebagai bukti kejadian kemalangan. Jangan lupa, syarikat insurans mesti nak tengok laporan ni.
B. Hubungi Syarikat Insurans Anda
Lepas panggil polis, terus telefon syarikat insurans. Beritahu mereka semua detail kemalangan, macam tarikh, masa, tempat dan kereta yang terlibat.
Kumpul Bukti Kerosakan dan Kecederaan
A. Tangkap Gambar Tempat Kejadian
Ambil gambar dari pelbagai sudut kereta yang rosak dan tempat kejadian. Gambar-gambar ni penting sebagai bukti bila nak buat tuntutan nanti.
B. Simpan Semua Rekod Perubatan
Kalau ada kecederaan, simpan semua rekod perubatan, termasuk laporan doktor dan bil hospital. Dokumen ni semua penting untuk tuntutan insurans.
Isi Borang Tuntutan dengan Betul
A. Lengkapkan Borang Tuntutan
Isi borang tuntutan yang syarikat insurans bagi dengan betul. Pastikan semua maklumat lengkap dan tepat.
B. Sertakan Semua Dokumen Sokongan
Hantar sekali semua dokumen sokongan, macam laporan polis, gambar kerosakan, dan rekod perubatan. Lagi cepat hantar, lagi cepat tuntutan diproses.
Proses Siasatan Insurans
A. Siasatan oleh Syarikat Insurans
Syarikat insurans akan buat siasatan untuk pastikan semua butiran tuntutan betul. Mereka mungkin akan periksa kereta dan lihat kerosakan.
B. Penilaian Kerosakan
Penilai dari syarikat insurans akan tengok kerosakan kereta dan buat laporan penilaian. Laporan ni yang akan tentukan berapa banyak pampasan yang layak anda dapat.
Rundingan dan Penyelesaian Tuntutan
A. Runding Pampasan
Kalau tak setuju dengan jumlah pampasan yang ditawarkan, boleh runding lagi dengan syarikat insurans. Pastikan anda ada bukti tambahan untuk sokong tuntutan.
B. Penyelesaian Akhir
Lepas setuju dengan jumlah pampasan, syarikat insurans akan bayar. Simpan semua dokumen untuk rujukan masa depan.
Kesimpulan
Nak tuntut insurans kemalangan kereta ni tak susah kalau tahu langkah yang betul. Laporkan kemalangan cepat-cepat, kumpul bukti yang cukup, dan isi borang dengan tepat. Kalau ada masalah, jangan segan untuk tanya syarikat insurans atau dapatkan nasihat peguam.
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