After The Accident

Terakhir Diubah : 02:47:29 - Monday, 31 January 2022

When an accident occurs, sometimes we panic and don't know what to do.

Check out Sahabat Insurance's safety tips in the event of an accident on the road:

1. Immediately pull over to the side of the road to avoid the flow of traffic and reduce the risk of accidents or collisions.

2. Turn on the hazard lights and check passengers and yourself for injuries. If necessary, immediately call emergency services or paramedics.

3. Photo of the scene and vehicle for proof of claim to insurance.

4. Meet the driver of another car who was in an accident, look for witnesses from several residents or pedestrians who saw the incident.

5. Exchange insurance information. Take notes, take photos and save them on your smartphone or a piece of paper. If the driver of another car does not have insurance, write down the name, driver's license number, license plate number, address and contact number.

Call us at 021-50508080 for information about vehicle insurance.

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Parking: Shift to “P” Or Pull the Handbrake First?

The parking brake is essential to your safety and those around you. If you have an automatic gearbox, apply the handbrake first, then put it in P. This ensures that the car’s weight isn’t resting on the parking pawl. If you don’t use the handbrake, you’ll be putting constant pressure on the parking pawl and transmission components which will eventually fail, leading to costly repairs.

Your car’s brakes are controlled by something called a parking pawl.The parking pawl locks the transmission's output shaft to the transmission casing by engaging a pawl (a pin) that engages in a notched wheel on the shaft, stopping it (and thus the driven wheels) from rotating.When you shift into “P” first, the weight of the car rests on that tiny metal bit we call the parking pawl. That’s not great. When you do this, you will hear the unpleasant “clunk” when shifting out of “P” later.

If you have an automatic transmission, apply the handbrake first, then put it in P. Shifting to 'P' before pulling the handbrake is how you damage your automatic transmission.

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How Long After A Car Accident Can You File a Claim?

Make a call to Sahabat Insurance hotline number 021-50508080 within 5 x 24 hours. Survey will be carried out within 3 working days. Complete the claim documents: Claim Form, ID (KTP), Driver’s License (SIM), Vehicle Registration (STNK), Police Report if needed. For more info please call 021-50508080 or visit sahabatinsurance.id

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Ramadhan Charity

On April 22, 2022, Sahabat Insurance visited one of the orphanages and dhu'afa Ar - Rohmat in Pasir Jambu Village, Bogor Regency, West Java, in order to carry out the Sahabat Peduli activity, as a form of the company's commitment to be present to help the community.
Sahabat Insurance is a trusted insurance company that provides protection for travel, vehicles, housing, transportation, heavy equipment, money and others.

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Factors Affecting Your Car Insurance Premium

Type of Coverage and Insurance Extension
The premium amount will be influenced by the type of coverage and also the insurance extension you choose. Generally, there are two types of coverage that you need to know, Comprehensive and Total Loss Only (TLO). With different types of insurance coverage available, the resulting premium is going to be affected. A comprehensive package with numerous features will naturally cost more than a lower-tier option. The same goes for optional extras, should you wish to add them on to your existing policy.
When buying insurance, it's crucial to carefully consider the coverage limits and ensure they align with your potential risks and needs.

Vehicle Age
The age of a vehicle is a key factor in determining car insurance premiums, both for comprehensive and Total Loss Only (TLO) policies. The Financial Services Authority (OJK) regulates which vehicles are eligible for comprehensive and TLO insurance in Indonesia.

Location
Motor Vehicle Insurance premiums are indeed affected by the area where the vehicle is primarily used. Insurance companies assess risks based on location, with areas experiencing higher accident rates, theft, or severe weather events often resulting in higher premiums.

Vehicle Usage
Car insurance premiums are indeed calculated based on risk, and vehicle usage is a significant factor in determining that risk level. Cars used for different purposes, like private, official, or commercial use, have varying levels of risk, and this is reflected in the premiums charged by insurance companies.

Always double check every policy guarantee and insurance premium offer according to your needs. Contact Sahabat Insurance marketing team for more info via WA 021-50508080.

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