{"id":10001,"date":"2026-04-29T15:21:11","date_gmt":"2026-04-29T07:21:11","guid":{"rendered":"https:\/\/www.fmos.org.my\/?p=10001"},"modified":"2026-05-19T17:47:31","modified_gmt":"2026-05-19T09:47:31","slug":"assessment-of-vehicle-loss-of-use-claim","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/assessment-of-vehicle-loss-of-use-claim\/","title":{"rendered":"Penilaian Tuntutan Hilang Guna Kenderaan"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Peter menuntut pampasan bagi tuntutan hilang guna kenderaannya, juga dikenali sebagai CART selama 186 hari pada kadar RM30 sehari serta kos sewaan kereta sebanyak RM6,000 (RM1,200 x 5 bulan). Jumlah keseluruhan tuntutan yang dikemukakan ialah RM11,850.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>PENEMUAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph translation-block\">Kes ini dinilai berdasarkan Garis Panduan Amalan Penyelesaian Tuntutan BNM (disatukan) BNM\/RH\/GL\/003-9 yang dikeluarkan pada tahun 2014 memandangkan kemalangan berlaku pada 2024. Skala CART dalam garis panduan tersebut menyatakan seperti berikut:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><em>Skala di atas mentakrifkan jumlah minimum yang perlu di bayar oleh penanggung insurans pihak ketiga untuk tuntutan CART dimana penuntut tidak dapat mengemukakan bukti dokumentasi yang memuaskan, resit dan sebagainya untuk menyokong tuntutan CART itu.<\/em><\/li>\n\n\n\n<li><em>Dalam kes di mana <strong>resit boleh dikemukakan untuk penyewaan kenderaan, penanggung insurans hendaklah membayar jumlah yang ditunjukkan dalam resit asal dan perjanjian penyewaan kereta asal<\/strong>, tertakluk kepada prinsip indemniti dan sentiasa tertakluk <strong>bahawa penuntut hanya berhak mendapat penyewaan kenderaan yang setaraf dengan kenderaan yang rosak<\/strong>. Sewaan tersebut mestilah hanya daripada agensi\/syarikat penyewaan yang berdaftar dan dilesenkan oleh pihak berkuasa yang berkaitan.<\/em><\/li>\n\n\n\n<li><em>Bilangan hari untuk pengiraan CART hendaklah <strong>berdasarkan cadangan pelaras kerugian bebas mengenai bilangan hari pembaikan kenderaan yang rosak<\/strong> tertakluk kepada budi bicara Pengendali Takaful untuk memohon <strong>tambahan tempoh selama tujuh hari bekerja bagi kelewatan luar jangka yang bukan dalam kawalan.<\/strong>.<\/em><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Peter memiliki sebuah Perodua Myvi (1,495 cc) dan mengemukakan resit yang menunjukkan beliau menyewa sebuah Perodua Axia pada kadar RM1,200 sebulan. Di bawah terma polisi, hanya satu jenis tuntutan kehilangan penggunaan boleh dibuat dan tidak dibenarkan untuk membuat pelbagai tuntutan di bawah peruntukan yang berbeza bagi tempoh kerugian yang sama. Oleh itu, CART dinilai berdasarkan kadar sewaan harian RM40 seperti yang diperuntukkan di bawah item 2 terma polisi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pelaras kerugian mengesyorkan tempoh pembaikan selama 12 hari, dan Pengendali Takaful pihak ketiga, atas dasar budi bicara dan ihsan, menambah 18 hari lagi bagi kelewatan luar jangka yang bukan dalam kawalan, menjadikan jumlah keseluruhan CART sebanyak 30 hari, yang melebihi tempoh ihsan 7 hari yang dicadangkan dalam Garis Panduan BNM.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KEPUTUSAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pengurus kes memutuskan bahawa tawaran CART oleh Pengendali Takaful pihak ketiga sebanyak RM1,200 (30 hari \u00d7 RM40) adalah mematuhi Garis Panduan BNM yang berkenaan dan mengeluarkan syor yang memihak kepada pengendali takaful tersebut. Peter tidak berpuas hati dengan syor pengurus kes dan merujuk pertikaiannya ke adjudikasi. Setelah meneliti pertikaian tersebut, Ombudsman bersetuju dengan penemuan pengurus kes dan membuat keputusan yang memihak kepada pengendali takaful.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Peter claimed compensation for the loss of use of his vehicle, also referred to as the CART for 186 days at a rate of RM30 per day and car rental amounting to RM6,000 (RM1,200 x 5 months). The total claim amount submitted was RM11,580. FINDINGS This case was assessed based on BNM\u2019s Guidelines on Claims [&hellip;]<\/p>","protected":false},"author":4,"featured_media":10004,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25,27],"tags":[],"class_list":["post-10001","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies","category-insurance-takaful"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Assessment of Vehicle Loss-of-Use Claim - FMOS<\/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:\/\/www.fmos.org.my\/bm\/assessment-of-vehicle-loss-of-use-claim\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assessment of Vehicle Loss-of-Use Claim - FMOS\" \/>\n<meta property=\"og:description\" content=\"Peter claimed compensation for the loss of use of his vehicle, also referred to as the CART for 186 days at a rate of RM30 per day and car rental amounting to RM6,000 (RM1,200 x 5 months). The total claim amount submitted was RM11,580. 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