Car insurance is a facility that can prevent losses

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.

Car insurance claims must be taken care of immediately because the time limit is short

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.

Vehicle insurance alleviates the burden of an accident

Vehicle insurance alleviates the burden of an accident. When in the workshop, you will be presented with a claim form. Fill out the form as clearly and honestly as possible. Don't underestimate the details of events such as what time, road number, and so on. If the data on the form does not match the one on the field, your claim will definitely be rejected. After all the steps above are passed, just wait for news from the workshop. If the damage is small, usually the repair and claim of the car insurance can be completed in one week. But if the damage is very severe, it is usually two weeks or even a month of repair. Especially if you have to bring in spare parts from overseas, aka imports. The item is only available after getting an order. For car insurance, most car insurance companies now provide replacement vehicles for car insurance participants whose cars must stay in the garage for a long time. The right step if your car owner registers your vehicle on all risk car insurance or total loss only. But unfortunately many people still do not understand correctly about the type of insurance. Not even a few who feel cheated when they know All risk car insurance does not bear all the risks. Though this is stated in the policy.

This is of course very unfortunate, considering that as a car user Carmudian should be smarter and know about product details paid every month. Every policy owner must pay close attention to the conditions that make his claim approved or not. Each definition and explanation in the clause must be understood correctly. It does take time indeed to understand it, because the language used is legal language that is sometimes difficult for ordinary people to understand. But learning this will mean a lot when you need to make a claim. Unfortunately not everyone understands the important things related to insurance claims. This is why car insurance claims are denied. Using vehicle insurance can certainly protect your favorite car from accidental damage. This is because the insurance function can alleviate when there is a risk to him or the insured object.

"In general, insurance owners do not want to read when given a clause when the agreement is first made. This causes insurance companies to make claims, "said Laurentius Iwan Pranoto, Communication and Event Manager of Astra Insurance. Some submission of claims that are rejected by the insurance because it does not comply with several agreements at the first time. Therefore, it is necessary to understand some of the causes of claims being rejected and the reasons.

Vehicle Insurance provides special insurance coverage

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.

The commonly asked question is, do we have to extend the vehicle insurance

For the process of buying a car that is done on credit, insurance is usually included in one package in the credit process. So after the car loan system is paid off, simultaneously the insurance purchased is usually also due. The commonly asked question is, do we have to extend the vehicle insurance? For some people, buying car insurance may be seen as not important enough. However, there are many things that can be your consideration for continuing car insurance that has been paid off. Starting from the reasons for security of the home environment that is prone to theft, to the reason not to lose when the car is lost.

Understandably, the case of car disappearance has not occurred once or twice. Very often heard cases of car theft even when parking in front of the house. Or just because it was left for a moment to take a helmet inside the house. The thief of course never thought about whether the car he took had been paid off or was still in credit. Insuring a car, however, will eliminate your anxiety about various types of losses or loss of the vehicle. Insurance has provided protection against all kinds of risks that can occur at any time.

At present, there are many insurance companies that provide car insurance services. You only need to be careful in choosing the best and most appropriate for your needs. After all, a car is a high value asset that needs to be protected. When deciding to use a car insurance service, the first thing you have to do is know exactly what type of insurance your car needs. Adjust to the condition of the car as a whole, such as age, type, and economic value contained in it. Like car insurance, in car insurance there are also two types of protection.

First, Comprehensive Insurance: which guarantees almost all damage suffered by a vehicle. Both the risks that arise due to small and large accidents that occur in your vehicle. Second, Total Lost Only Insurance (TLO). This insurance will only protect the vehicle due to an accident that causes damage above 75 percent or the risk of losing the vehicle due to theft or embezzlement. Do a preliminary survey and understand the contents of the insurance policy correctly, so that you do not experience losses and can get the maximum benefit from the insurance you use.

Do not let you choose car insurance that does not suit your needs

Do not let you choose car insurance that does not suit your needs, so instead of experiencing your profits you will experience losses.  Are you looking for the right insurance for your car? Careful is the thing you have to do when you will choose insurance for your car. Before you choose insurance for a car, there are several things you need to pay attention to. One of the things you need to pay close attention to is knowing and understanding what an insurance policy is. Basically, every insurance certainly has a variety of insurance policies and one of them is a car insurance policy.

Not a few who think that an insurance policy is a fund that must be paid to an insurance company but this assumption is certainly not true because it is an understanding of insurance premiums. A car insurance policy is an agreement or written agreement made between the insured (client) and the insurer (insurance company) regarding the provisions relating to protection and all risks regarding the car in the future. Problems such as the amount of premium that must be paid within a certain time are also included in the car insurance policy. Simply stated, this insurance policy is often referred to as a contract or insurance agreement.

After you know what is meant by a car insurance policy, you must know what things are in the contents of the car insurance policy. Here are the basic things in a car insurance policy that you must know. As the insured, you must ensure and check all the details of the insurance products offered by the insurance company. Do not hesitate to ask everything to the insurance company before an agreement occurs, because when the agreement has been established, the two parties are established and an insurance policy is issued, then automatically there is a legal provision in it.

After you know the basic things that are usually written in a car insurance policy, you will be able to find out how far the level of protection is provided and which aspects cannot get protection from the insurance company. When you realize how important the function of a car insurance policy is, of course you cannot afford to underestimate it. Being sensitive to the things in the car insurance policy can prevent you from losing money in choosing the right insurance for your car. So, if you want to have your car insurance, check each point in the insurance policy to make sure everything is correct and appropriate. Good luck!

Vehicle insurance that guarantees loss if the vehicle has an accident

Vehicle insurance that guarantees loss if the vehicle has an accident. As a car owner, you can make comparisons of the two types of car protection offered by insurance companies. All Risk Car Insurance. This type of car insurance is called comprehensive or whole. This means that insurance will pay claims for all types of damage. Ranging from minor damage, weight, to losing a vehicle. Lost Only Total Insurance (TLO). The type of vehicle insurance coverage that guarantees loss if the vehicle has an accident with damage above 75% such as a burning vehicle, lost due to being stolen, and forced seizure. Both types of insurance do have their own advantages and range. All risk insurance costs are indeed much higher than TLO insurance especially if you want to increase the protection coverage.

If the price of the car you have is said to be high so it requires a large cost, even though it has minor damage, then you should choose all risk insurance. This type of car insurance is suitable for car rental businesses or car courses. This is because the risk of being just lightly damaged is high. The frequency of car usage affects the type of insurance to be taken. So, the more often it is used, the greater the chance of an accident.

Especially if the route that is often used is a solid route. So, all risk can be the right choice. In addition, all risk insurance is a car insurance for new cars that are right for you. Conversely, if the car is parked more often at home than invited to go out or rarely used then it is better to choose TLO insurance.

In addition, accidents are not the only determining factor. The level of crime also needs to be observed. Crime in certain areas is relatively high. If you live or often go to the area like that then you should insure your car with TLO insurance. So, both all risk insurance and TLO insurance have their advantages and goodness. You can consider it according to your needs. To choose car insurance for a new car, you really need to be able to consider various things and suit your needs.

How to Calculate Car Insurance Premiums to Not be Treated

How to Calculate Car Insurance Premiums to Not be Treated. Now the provision of premiums has been regulated by the OJK (Financial Services Authority) so that there is no longer a tariff war that tends to make prospective insurance customers feel fooled. Another consideration that determines the amount of premium other than the area is the selling price of the vehicle. The more expensive the price of a vehicle, the smaller the premium percentage. All risk insurance and TLO also allow customers to add benefits or expand protection. For example, there are often demonstrations, you want to protect your car for fear of being damaged by the masses. The cost is not expensive, you just pay 0.05 percent for All Risk insurance or 0.35 percent for TLO insurance. 

But that minimum premium rate is in accordance with OJK regulations, the amount will depend on the insurance company chosen. With the addition of these premiums you will get an extension of coverage that protects vehicles from events such as natural disasters, sabotage, terrorism, and passenger accidents that are usually not covered by motor vehicle insurance. At first glance, the insurance premium is indeed greater than the cost of repairs. However, if there is an accident that is the same as the case above, even though in reality the damage caused by accident can be predicted? Even though we are careful, if other drivers are inconsiderate, we can still get hit. Especially if we live in a city where traffic is always congested.

It could be in one year that we have experienced several accident risk claims. Another benefit is if the car has to stay overnight, he can get a replacement car for a certain period of time. Usually 3 x 24 hours after the car enters the garage. The review above provides an overview of some things that affect the amount of premium so that you can adjust your needs with the budget you have. Actually premium costs are not expensive, you just adjust to the needs and types of insurance needed.

Especially if calculated potential risks such as the illustration above. If the risk of a small accident does look wasteful at its own risk, but if the risk is large, it will benefit greatly from the insurance protection.

The first step to claim car insurance when an accident occurs

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.