Vehicle Insurance provides special insurance coverage to protect the insured from the risk of damage or loss arising from various types of events involving vehicle safety conditions. Vehicle Insurance is a loss insurance that protects the insured when there is a risk of damage or loss arising from events such as: vehicle damage, accidents, loss, disasters, and riots. In Indonesia, the applicable Traffic Law contains and determines that every driver must be responsible for the loss of another innocent party. Combined insurance (Comprehensive) or All Risk is coverage protection that guarantees partial or total loss or damage that occurs to a Vehicle caused by risks and accompanied by additional collateral expansion such as damage caused by flooding or damage due to riots, and loss vehicle.
Total Loss Insurance (Total Loss Only / TLO) is coverage protection that guarantees the overall loss or damage that occurs to motorized vehicles. Vehicle repair costs for this insurance are estimated to be equal to or more than 75% (seventy five percent) of the coverage price or lost due to being stolen. One of the benefits of insurance is to replace the cost of car repair. Your car insurance claim may be refused if you do not carry out a clear insurance claim procedure. The insurer has a clear way so that claims can be disbursed. Contact car insurance by telephone no later than 3 × 24 hours after the incident. Tell the chronology and say that you want to make a claim through a partner workshop. If an accident causes a damaged car to occur outside the city, immediately contact the insurance company representative office in the area.
Then tell the incident and ask for instructions to make a claim there. Then document the condition of the car from various angles. Especially if the car is severely damaged. This documentation can be proof that you actually had an accident. In the car insurance policy there is information about documents that must be prepared to file a claim. Prepare all the documents to bring to the workshop. After the file is collected, go to the partner workshop and say you want to claim insurance. Partner workshops will contact car insurance companies and conduct damage surveys. Don't go to a non-partner workshop and immediately service, because your claim will definitely be rejected later.