Car insurance claims must be taken care of immediately because the time limit is short. Insurance claims can be delayed if the claim handling exceeds the time specified in the policy. Insurance always provides a certain time limit for handling claims. Through that, claims can be rejected. Car insurance claims must be taken care of immediately because the time limit is short, only 3 x 24 hours. The document must be complete, starting from the photocopy of the insurance policy, photocopy of SIM and vehicle registration, and of course the claim submission form. A certificate from the police is also needed if there is severe damage. Another reason that makes an insurance claim rejected is if the policy holder commits an unlawful act. For example, if he has a comprehensive type of insurance then the car crashes because of reckless driving or breaking traffic, he cannot file a claim.
The same thing applies if the policy holder does not have a SIM while driving, parking in any place, and getting drunk. The insurance policy may include a clause regarding the area into the agreement. Claims are only served if the incident occurs in a particular area. If someone insures his vehicle in Indonesia and the policy states that the claim can only be filed if he accidents in Indonesia, it means that the claim will be rejected if he has an accident abroad. Every addition to car accessories must be reported to the insurance company and attach the insurance coverage. In order for a claim to occur, the accessory can be covered by an insurance company.
The addition of NSA (Non Standard Accessories) will be charged the same rate as the vehicle. And it will be multiplied by the NSA value to get the premium value that needs to be added. Premium additions are limited to the remaining unused periods. In this case, the insurance company will indeed return the vehicle as before. Therefore it is necessary to conduct surveys and photos as evidence. Here explains if the car has been damaged before it is insured, it is certainly not claimed. It means that the damage to the car that occurred accidentally by the insured. Suppose the insured accidentally collides the car into another car or he hits the vehicle so that it is dented, then this cannot be claimed. Or accidentally crashing floods that can make the car break down due to the engine experiencing water hammer.