You Won't Regret Car Insurance, Damaged Vehicles Can Be Profitable, Here's How!

Anyone would not want their vehicle to be damaged.

However, that wish is unlikely to come true.

The reason is, damage vehicle can occur anytime and anywhere and happen to anyone who owns a vehicle .

The causes are varied. It could be from the carelessness of the driver or someone else.

For those who have insured their vehicle, the occurrence of the damage can be directly claimed to the company insurance .

But, for those who haven’t, you can imagine how much rupiah must be spent to repair the damage. Of course it would be very burdensome.

On the other hand, a less in-depth understanding of insurance vehicle makes people reluctant to follow insurance .

In fact, out there have a lot of insurance to choose from. The premium is also very affordable. And most importantly, the benefits will be much greater.

Reporting from lifepal , here are tips for getting insurance the best and cheapest car :

  • Choose type of insurance the appropriate (all risk / TLO)

Identify needs and the terrain is often impasable by vehicle car , whether in crowded urban areas or roads were damaged.

Usually insurance is all risk suitable for drivers car city because there is a high risk of getting blisters. Meanwhile , insurance is TLO suitable for cars located in crime-prone areas.

  • Choose an insurance company with trusted credibility

Credibility is not only a well-known brand, but also trustworthy about its services and as much as possible minimal complaints.

  • Choose insurance that has a wide partner workshop

Insurance usually works with an authorized (authorized) repair shop from your brand car .

However, there are also those who work with non-authorized workshops.

Well, only a few brands insurance allow us to be able to make repairs to any workshop. So far, the product that has this benefit is ACA Otomate Solitaire from ACA.

Usually this kind of benefit is very useful if for example our car is damaged in an area that we are not familiar with.

  • Compare premium prices versus service features

Insurance premiums are already regulated by the OJK. However, the features and services from one product to another can vary even though the premium is the same.

There is insurance insurance for that only covers the damage to the car, but there is also the driver and passengers as well. Even without additional fees.

So, when you receive an insurance policy, you should first examine what protection, features, and extra benefits are provided, then sign.

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Losses due to accidents can be covered by insurance, these are the conditions

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Even though we obey the rules, there are still some risks that we can find when driving, one of which is an accident. Using vehicle insurance can certainly protect your favorite car from damage due to an accident.

Head of Communication and Customer Service Management of Asuransi Astra, said that when referring to the Indonesian Standard Motor Vehicle Insurance Policy (PSAKBI) article 1 paragraph 1.1, accidents are included in the guaranteed risk because they are classified as losses and/or damage caused by collisions, collisions, slipping. , or get stuck. However, the insurance company will first investigate the cause of the accident.

“Basically, the policy owner must understand in advance that the insurer will look at the cause of the accident, whether it is a risk that can be covered or including an exception,” said Iwan in Jakarta.

Make sure the driver and vehicle are in top condition. In addition, the most important thing is to obey traffic rules such as obeying the vehicle speed limit, choosing a predetermined vehicle path, and keeping a distance from other vehicles. Insurance is ready to bear losses due to accidents as long as the policy owner has complied with the applicable rules.

As stated in PSAKBI article 3 paragraph, this insurance does not cover loss, damage and/or costs for motorized vehicles and/or third party legal liability if 4.2 at the time of the loss or damage, the motorized vehicle was driven by someone who does not have a license. Driving (SIM) which is still valid and in accordance with its designation as regulated in the laws and regulations concerning traffic; 4.3 driven by a person who is under the influence of alcohol, illegal drugs or any other harmful substance; 4.5 entering or passing through closed, prohibit, not intended for motorized vehicles or violating traffic signs.

Policy owners also need to know and pay attention to several things when they want to make a claim so that they are not rejected by the insurance. When an accident occurs, the policy owner is required to immediately report the details of the incident and damage to the insurance company, complete the required data, and then the surveyor team will check the vehicle.

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