The first step to claim car insurance when an accident occurs. If the process is carried out properly and the completeness of the file is fulfilled, car insurance claims are now easy to do. When processing a car insurance claim, the insurance customer is subject to his own risk fee (own risk is usually abbreviated as OR), the amount of which depends on the insurance company's policy and is also regulated for each incident. In general, the first step to claiming a car insurance when an accident occurs is to take a photo of the damaged car. This is important to do especially when the car has suffered heavy damage until it can no longer advance. The existence of a photo can be used as evidence as proof of an insurance claim. After that the next process can follow some of the following general procedures.
Contact the insurance company and prepare important documents in the filing of claims, such as insurance policy letters, driver's license, ID card, and also a police certificate if the vehicle is severely damaged in an accident or subject to criminal action. After all the requirements are considered complete and fulfill all the provisions of the insurance, then you can just bring the car to the workshop that is the partner of the insurance. Do not try also to repair the car in the workshop that is not an insurance partner because the claim may be rejected. The last procedure in submitting a claim is that you will be told to fill out the form as clearly as possible. The completed form usually contains detailed accident data in both hours and places. For that, fill it out honestly because the insurance or workshop will know if you do a lie. This will have an effect because if there is only one data that contradicts the incident while in the field, it is probable that the claim will be rejected.
After all the data is filled in, then just ask the workshop about the duration of the vehicle repair. For a long time or not, this work will be determined based on the severity of the damage. For minor damage only 1-2 days, it will be finished, but if the damage is very severe, it may take weeks or even more than a month.
The easy process of claiming a car insurance should make vehicle owners aware of the risk of the vehicle they own and ultimately protect by buying insurance products. For the sake of convenience in choosing insurance products, here is how to calculate car insurance premiums to increase knowledge.