Koc Merah Jambu, koc khas yang diperuntukkan hanya kepada penumpang wanita bagi perkhidmatan komuter Keretapi Tanah Melayu Bhd (KTMB) yang diwujudkan sejak lapan tahun lepas dilihat tidak menepati matlamatnya.
Koc yang menjanjikan keselamatan buat penumpang wanita, sering diceroboh oleh penumpang lelaki, malah berlaku beberapa kes seperti mencabul kehormatan serta pertelingkahan antara penumpang lelaki dan wanita.
Sehubungan itu, Persatuan Wanita Unity Malaysia (Perwim) menggesa kerajaan mewujudkan undang-undang khas bagi membolehkan tindakan diambil terhadap lelaki yang menyalahgunakan koc tersebut.
Pengerusi Perwim, Ema Syuhaili Sukor berkata ia penting supaya kaum lelaki patuh dengan peraturan yang ditetapkan, dan sekaligus menghindar penumpang wanita daripada diganggu oleh lelaki yang sengaja mengambil kesempatan,
“Sudah banyak kes yang berlaku melibatkan penumpang wanita dan masalah ini berterusan kerana tiada tindakan undang-undang. Pihak bertanggungjawab tidak sepatutnya memandang remeh dan sepi dalam masalah ini,” katanya kepada Bernama.
Ema Syuhaili turut mencadangkan supaya pihak KTMB memperbanyakkan pemasangan ‘loceng kecemasan’ di dalam koc komuter itu bagi membolehkan bantuan segera dapat diberikan jika berlaku kejadian tidak diingini.
Katanya, PERWIM juga sedia berkerjasama dengan KTMB untuk mengadakan kempen kesedaran bagi mendidik orang ramai berkaitan etika penggunaan koc khas itu.
Sementara itu, Timbalan Menteri Pengangkutan Datuk Ab Aziz Kaprawi berkata kerajaan sedang merangka untuk meminda peraturan berkaitan bagi membolehkan tindakan diambil terhadap lelaki yang memasuki koc wanita.
"Buat masa ini belum ada sebarang peraturan yang membolehkan tindakan undang-undang diambil. Namun, pihak KTMB terus membuat pemantauan secara berkala di dalam komuter dan di stesen-stesen Komuter,” katanya kepada Bernama melalui WhatsApp.
Penganalisis jenayah Kamal Affandi Hashim pula berpendapat penumpang lelaki yang menaiki koc wanita perlu menyedari dan menganggap tindakan mereka itu adalah perkara yang memalukan kaum Adam.
"Masalah ini adalah berkaitan prinsip moral seseorang lelaki. Untuk itu, kaum lelaki patut menasihati kaum mereka yang menyalahgunakan koc tersebut dengan menghalang atau beri amaran kepada lelaki terbabit.
"Walaupun belum ada perundangan, golongan lelaki perlu beringat bahawa tujuan koc wanita diwujudkan adalah bagi mengelak berlakunya kejadian jenayah dalam kalangan penumpang wanita seperti kes ragut dan cabul semasa berhimpit-himpit di dalam komuter," katanya.
Selain mengharapkan pengawasan oleh pihak berkuasa, Kamal Affandi berkata kaum lelaki mestilah memainkan peranan penting dalam membantu membendung masalah itu daripada terus berulang, dan sekaligus mengurangkan kadar jenayah dalam pengangkutan awam.
KTMB baru-baru ini dalam satu kenyataan berkata pihaknya sedang meneliti semula tatacara pengoperasian koc wanita bagi menjamin dan memastikan koc berkenaan digunakan khas untuk wanita sahaja.
Sementara itu, tinjauan Bernama mendapati golongan lelaki masih menaiki koc wanita tanpa rasa bersalah atau malu, dan seolah-olah sengaja melanggar peraturan walaupun tanda larangan banyak dilekatkan di dalam dan luar koc tersebut.
Rata-rata wanita yang ditemui menyuarakan kehadiran golongan penceroboh itu mendatangkan suasana tidak selesa dan tidak selamat buat mereka.
Mahasiswa Universiti Teknologi Mara Perlis Nur Azreen Mohd Abdul Jalil, 23, mahu pihak berkuasa memandang serius masalah itu agar kebajikan golongan wanita terjaga dan dapat menikmati perjalanan yang selamat.
Mahasiswa Universiti Kebangsaan Malaysia Wan Nur Hidayah Zahari, 21, pula mengharapkan agar petugas keselamatan membuat pemantauan di stesen komuter dengan lebih efektif dan tegas bagi menghalang kaum lelaki memasuki koc wanita.
Sumber: https://www.malaysiakini.com/news/416921
Sumber: https://www.malaysiakini.com/news/416921
WHAT DOES CAR INSURANCE COVER?
A single car insurance policy can include several types of coverage. To decide what to buy, it’s important to research the options available, which types of coverage are required and how different forms of coverage work. Keep in mind that your policy covers you, the licensed members of your household who are listed on the policy, and usually anyone else you give permission to drive the car. See more.
Meeting your state’s car insurance requirements Almost every state requires you to carry a minimum amount of auto insurance to cover the cost of damage or injuries caused by your car in accidents. The minimum car insurance requirements vary by state. Here are types of coverage that may be required where you live: Liability insurance Personal injury protection or medical payments Uninsured or underinsured motorist coverage » COMPARE:
Car insurance quotes Liability insurance Liability insurance pays for damage and injuries you cause others in accidents. All states except New Hampshire require minimum amounts of liability coverage. Bodily injury liability pays the medical expenses of others who are injured; property damage liability pays to repair or replace their cars or other damaged property. The amount of liability coverage is usually expressed as three numbers, such as 100/300/50. Here’s how to translate that: $100,000 bodily injury per person $300,000 bodily injury per accident $50,000 property damage per accident. Your car insurance will pay up to the limits on the policy. You’re on the hook for expenses that exceed those limits. Personal injury protection or medical payments insurance Liability insurance pays out to other people.
For your own medical costs, you might consider personal injury protection (PIP) or medical payments coverage (MedPay), which may be available as part of your car insurance quotes. These pay any medical bills you or your passengers may incur if you’re injured in an accident. They can also pay for funeral costs. One or the other is required in 16 states, but coverage works a little differently in each state. PIP can also cover lost wages and the cost to replace services normally performed by the injured person.
MedPay is usually sold in smaller amounts than PIP. Uninsured or underinsured motorist coverage Even though most states require liability insurance there are a lot of uninsured drivers on the road. You could try to sue them if they crash into you, but they might not have the money to pay you. In that case, uninsured motorist (UM) coverage might come in handy. It pays your medical expenses if you’re injured in an accident caused by a driver who is uninsured. There’s another closely related coverage type: Underinsured motorist (UIM) coverage pays out if the other driver doesn’t have enough liability insurance to pay all your medical expenses. The coverage kicks in once the costs exceed the other driver’s liability limits. UM or UM/UIM is required in 19 states.
Another type of coverage, uninsured motorist property damage (UMPD), pays to repair or replace your car if an uninsured driver wrecks your vehicle. UMPD isn’t available everywhere. Collision and comprehensive coverage While liability insurance pays to fix others’ cars, collision and comprehensive insurance pays to fix your car or reimburse you for its current value if it’s damaged beyond repair. No state requires drivers to carry collision and comprehensive coverage, but your lender will require it if you financed or are leasing a vehicle. Collision insurance pays out if your car crashes into an object or another car or if it flips over. Comprehensive insurance pays out if your car is stolen, or damaged by anything other than car accidents.
That includes damage from storms, floods, falling objects, explosions, earthquakes, vandalism or contact with an animal, such as hitting a deer. Collision and comprehensive are usually sold together and include a deductible, which is how much of the insurance claim you’ll have to pay before your insurance pays. The higher the deductible you choose, the lower the premium for collision and comprehensive coverage. Gap insurance If you’re leasing a car, the leasing company might also require you to carry “gap” insurance. If your leased car is damaged beyond repair, gap insurance pays the difference between the claim check for the car’s value and the amount you owe on the lease. Usually the car dealer will provide gap insurance, and the cost will be included as part of the lease. You can also buy gap coverage if you have a car loan. This protects you in case your car is totaled and you owe more on the loan than the insurance company pays out. You’ll need to talk to a car insurance agent or company representative to buy a gap insurance policy.
Car insurance extras
You can choose from a variety of extra perks, which usually don’t cost much to add to a policy, but can come in handy in an emergency. You’ll need to buy collision and comprehensive to be eligible to purchase most extras, such as: Rental reimbursement, which pays for a rental car if your car is in the shop following a covered collision or comprehensive claim. Roadside assistance or towing insurance, which provides help if you need a battery jump, flat tire changed or tow to a repair shop after a mechanical breakdown. Full glass coverage, which pays to repair or replace chipped or broken window glass, without a deductible. Comparing car insurance quotes for coverage Once you understand the types of coverage available, decide the kinds and levels of insurance protection you need. NerdWallet’s car insurance comparison tool helps you choose from a variety of packages. Hide this content.
Car insurance quotes Liability insurance Liability insurance pays for damage and injuries you cause others in accidents. All states except New Hampshire require minimum amounts of liability coverage. Bodily injury liability pays the medical expenses of others who are injured; property damage liability pays to repair or replace their cars or other damaged property. The amount of liability coverage is usually expressed as three numbers, such as 100/300/50. Here’s how to translate that: $100,000 bodily injury per person $300,000 bodily injury per accident $50,000 property damage per accident. Your car insurance will pay up to the limits on the policy. You’re on the hook for expenses that exceed those limits. Personal injury protection or medical payments insurance Liability insurance pays out to other people.
For your own medical costs, you might consider personal injury protection (PIP) or medical payments coverage (MedPay), which may be available as part of your car insurance quotes. These pay any medical bills you or your passengers may incur if you’re injured in an accident. They can also pay for funeral costs. One or the other is required in 16 states, but coverage works a little differently in each state. PIP can also cover lost wages and the cost to replace services normally performed by the injured person.
MedPay is usually sold in smaller amounts than PIP. Uninsured or underinsured motorist coverage Even though most states require liability insurance there are a lot of uninsured drivers on the road. You could try to sue them if they crash into you, but they might not have the money to pay you. In that case, uninsured motorist (UM) coverage might come in handy. It pays your medical expenses if you’re injured in an accident caused by a driver who is uninsured. There’s another closely related coverage type: Underinsured motorist (UIM) coverage pays out if the other driver doesn’t have enough liability insurance to pay all your medical expenses. The coverage kicks in once the costs exceed the other driver’s liability limits. UM or UM/UIM is required in 19 states.
Another type of coverage, uninsured motorist property damage (UMPD), pays to repair or replace your car if an uninsured driver wrecks your vehicle. UMPD isn’t available everywhere. Collision and comprehensive coverage While liability insurance pays to fix others’ cars, collision and comprehensive insurance pays to fix your car or reimburse you for its current value if it’s damaged beyond repair. No state requires drivers to carry collision and comprehensive coverage, but your lender will require it if you financed or are leasing a vehicle. Collision insurance pays out if your car crashes into an object or another car or if it flips over. Comprehensive insurance pays out if your car is stolen, or damaged by anything other than car accidents.
That includes damage from storms, floods, falling objects, explosions, earthquakes, vandalism or contact with an animal, such as hitting a deer. Collision and comprehensive are usually sold together and include a deductible, which is how much of the insurance claim you’ll have to pay before your insurance pays. The higher the deductible you choose, the lower the premium for collision and comprehensive coverage. Gap insurance If you’re leasing a car, the leasing company might also require you to carry “gap” insurance. If your leased car is damaged beyond repair, gap insurance pays the difference between the claim check for the car’s value and the amount you owe on the lease. Usually the car dealer will provide gap insurance, and the cost will be included as part of the lease. You can also buy gap coverage if you have a car loan. This protects you in case your car is totaled and you owe more on the loan than the insurance company pays out. You’ll need to talk to a car insurance agent or company representative to buy a gap insurance policy.
Car insurance extras
You can choose from a variety of extra perks, which usually don’t cost much to add to a policy, but can come in handy in an emergency. You’ll need to buy collision and comprehensive to be eligible to purchase most extras, such as: Rental reimbursement, which pays for a rental car if your car is in the shop following a covered collision or comprehensive claim. Roadside assistance or towing insurance, which provides help if you need a battery jump, flat tire changed or tow to a repair shop after a mechanical breakdown. Full glass coverage, which pays to repair or replace chipped or broken window glass, without a deductible. Comparing car insurance quotes for coverage Once you understand the types of coverage available, decide the kinds and levels of insurance protection you need. NerdWallet’s car insurance comparison tool helps you choose from a variety of packages. Hide this content.
Advertisement