{"id":5598,"date":"2025-03-27T04:43:57","date_gmt":"2025-03-27T04:43:57","guid":{"rendered":"https:\/\/fmos.org.my\/?p=5598"},"modified":"2026-04-29T15:37:29","modified_gmt":"2026-04-29T07:37:29","slug":"motor-own-damage-criminal-breach-of-trust","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/motor-own-damage-criminal-breach-of-trust\/","title":{"rendered":"Kerugian Kenderaan Sendiri \u2013 Pecah Amanah Jenayah"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Luis telah mengiklankan kenderaannya untuk dijual di Facebook Marketplace, dan seorang pembeli yang berminat meminta untuk melihat dan memandu uji kereta tersebut pada hari yang sama. Namun, semasa sesi pandu uji, pembeli tersebut melarikan diri bersama kenderaan berkenaan dan tidak lagi dapat dihubungi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Luis segera membuat laporan polis dan seterusnya memfailkan tuntutan kecurian kepada pihak penanggung insurans. Namun, tuntutan tersebut ditolak kerana insiden itu diklasifikasikan sebagai pecah amanah jenayah, yang tidak dilindungi di bawah terma dan syarat polisi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>PENEMUAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Penanggung insurans merujuk kepada peruntukan polisi yang secara khusus mengecualikan sebarang kerugian atau kerosakan akibat penipuan atau pecah amanah jenayah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pecah amanah jenayah merujuk kepada perbuatan mengambil harta hak milik orang lain yang telah diamanahkan dengan niat untuk memiliki atau memindahkan harta tersebut secara tidak sah. Dalam kes ini, Luis telah memberikan kepercayaan kepada pembeli tersebut untuk memandu uji kenderaan, memenuhi unsur-unsur pecah amanah jenayah.<\/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 telah mengeluarkan syor memihak kepada pihak penanggung insurans kerana keputusan mereka adalah selaras dengan terma dan syarat polisi motor yang mengecualikan perlindungan bagi kerugian akibat pecah amanah jenayah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Luis listed the vehicle for sale on Facebook Marketplace, and a potential buyer expressed interest, prompting a meeting on that day. While on a test drive, the potential buyer absconded with the vehicle, leaving Luis unable to establish contact. Subsequently, Luis promptly reported the incident to the police. Luis filed a theft claim with the [&hellip;]<\/p>","protected":false},"author":1,"featured_media":5412,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25,27],"tags":[],"class_list":["post-5598","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>Motor Own Damage - Criminal Breach of Trust - 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\/motor-own-damage-criminal-breach-of-trust\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Motor Own Damage - Criminal Breach of Trust - FMOS\" \/>\n<meta property=\"og:description\" content=\"Luis listed the vehicle for sale on Facebook Marketplace, and a potential buyer expressed interest, prompting a meeting on that day. While on a test drive, the potential buyer absconded with the vehicle, leaving Luis unable to establish contact. Subsequently, Luis promptly reported the incident to the police. 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