Car insurance is a facility that can prevent losses, which must be borne by the car owner when a disaster (accident, or even loss) befall his car. These facilities can be purchased for personal reasons, or become a mandatory requirement for those who purchase cars on credit. The theory of insurance benefits is certainly becoming more common and increasingly known. Likewise with the sense of security and peace that is obtained from its ownership. But does everyone also understand the twists and turns of the claim process that will be faced when disaster arrives? And is the compensation value obtained according to what is imagined? Or even knowing that under certain conditions the insurer has the right to reject the sentence?
For that, besides knowing what benefits will be obtained from insurance, also understand the procedures that must be done to get it. The following are the procedures you need to do in filing an insurance claim. If a disaster happens to your car, report the incident to the insurance company as soon as possible. Prepare a chronological attachment for the incident that you experienced briefly but clearly. Make a loss report at the nearest police station if your car is lost. Complete supporting documents such as policy data, vehicle registration, identity of other drivers involved in the incident, etc. when making a claim. For submission of claims outside the city, first document important telephone numbers, the location of the representative office and the list of partner workshops.
Claim surveys can be carried out by showing the condition of the car at the branch office, partner workshops, or vice versa, survyor can approach your home or office. Be proactive when the survey process takes place. Make sure that the insurance company issues SPK (Work Order) to make repairs in the workshop. It is recommended to make repairs in the partner workshop. Because in addition to administrative cooperation with insurance companies is well established, the standard of quality of work, time of processing and the amount of repair costs are already standard. Do not hesitate to continue to monitor and inquire about the progress of the vehicle repair process on the insurance and workshop.
Even though the car has guaranteed insurance, under certain conditions the insurer has the right to refuse the claim. The following are things you need to avoid to prevent rejection of claims.