Avoiding The Dangers of Modifying Your Car

Terakhir Diubah : 14:18:54 - Wednesday, 21 December 2022

Car modifications come in all shapes and sizes but there remains a worrying trend that poor decisions are making the practice dangerous for some.

The worst thing that can happen is your car parts breaking down in the middle of driving. This can cause serious danger even to the vehicles around you. Modifications can interfere or disrupt the system.

Make a bed in the back seat. It’s perfectly legal to sleep in your car, as long as you stick to a couple of rules: You must be safely parked. In a crash, if you're not wearing a seat belt, could cause severe injury or death.

There are benefits to window tinting, tindow tint blocks harmful UV Ray. According to experts, 40% tint is an excellent option as it blocks the harsh glare, UV rays, and heat to make your driving experience safer. Dark window tints are a clear danger and illegal according to the law. (Article 277 Law No. 22 of 2009 concerning Road Traffic and Transportation, Republic of Indonesia).
What happens if your windows are too dark?
This reduces your visibility as you drive, especially at night or when it is raining; this will make it more dangerous for you to drive and could potentially result in an accident.

Vehicles that are modified without taking into account the Indonesian National Standard (SNI) have the potential to endanger the driver, passengers and other road users.

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Motor Vehicle Insurance: Comprehensive vs TLO

Car insurance is an essential solution for vehicle owners, especially as traffic conditions become more congested and driving risks continue to increase. Whether your car is being used daily or parked at home or at work, the risk of accidents, damage, or theft is always present and often unpredictable.

With car insurance from Sahabat Insurance, you can drive with greater peace of mind knowing your vehicle is well protected.

Why Is Car Insurance Important?

Even if you drive carefully, unexpected incidents may still occur at any time. Car insurance helps protect you from costly repair expenses and financial losses caused by accidents or vehicle theft.

Today, car insurance products are widely available at affordable premiums. When compared to the benefits and coverage provided, the cost of car insurance is well worth the protection and security you receive.

Types of Car Insurance You Should Know

Before choosing a car insurance policy, it is important to understand the available coverage options.

1. Total Loss Only (TLO) Insurance

Total Loss Only (TLO) insurance provides coverage for total loss of your vehicle due to theft or severe damage. A loss is considered total if the estimated repair cost reaches or exceeds 75% of the vehicle’s market value immediately before the incident.

Please note that TLO insurance does not cover minor damages such as small scratches or dents. These types of repairs remain the responsibility of the vehicle owner.

2. All Risk / Comprehensive Insurance

All Risk or Comprehensive insurance offers broader and more complete protection. This type of coverage includes minor damages such as scratches and small dents, as well as major damages caused by serious accidents or vehicle theft, as long as they are stated in the policy.

Comprehensive insurance from Sahabat Insurance can also be enhanced with additional coverage, including:

* Protection against natural disasters such as floods and earthquakes
* Coverage for riots and civil disturbances
* Third-party liability coverage if an accident causes injury or damage to others

These extended protections help ensure your vehicle is safeguarded against a wide range of potential risks.

Choose the Right Car Insurance for Your Needs

By understanding the differences between car insurance types, you can select the coverage that best suits your vehicle and lifestyle. Sahabat Insurance is committed to helping you find reliable and effective car insurance solutions tailored to your needs.

For more information about car insurance products, premiums, and coverage options, contact Sahabat Insurance at 021-50508080 and get the best protection for your vehicle.

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Sahabat Insurance Holds Kick Off Agency 2026 and APU PPT Training in Surabaya

Sahabat Insurance successfully executed two major agendas: the Kick Off Agency 2026 and a specialized Anti-Money Laundering and Counter-Financing of Terrorism (APU-PPT) General Insurance training for its insurance agents in Surabaya on Wednesday, December 10, 2025.

APU-PPT is a crucial regulatory program often expanded to include the Prevention of Proliferation Financing of Weapons of Mass Destruction (APU-PPT). This program is mandatory for the entire general insurance industry. Its core objective is to prevent insurance products from being misused as a vehicle for financial crimes, such as money laundering or terrorism financing.

This training serves as an integral part of Sahabat Insurance's outreach and literacy program for all agents. By conducting this training, the company ensures full compliance with the Financial Services Authority (OJK) regulations, specifically POJK 8/2023, demonstrating Sahabat Insurance's commitment to clean, transparent, and responsible business practices.

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Sahabat Insurance Ramadan Charity

Sahabat Insurance continues to demonstrate its commitment to social responsibility through meaningful community initiatives in Makassar and Cirebon. These activities reflect the company’s dedication to supporting communities, especially during the blessed month of Ramadan.
On Friday, March 13th 2026, the Sahabat Insurance Makassar team held a charitable event with children at Nur Siamatu Orphanage. The event was filled with warmth and togetherness, aiming to spread joy, strengthen relationships, and share kindness with those in need.
Through this initiative, Sahabat Insurance hopes that every act of giving becomes a source of blessings and brings positive impact to everyone involved. The smiles and happiness shared during the event highlight the importance of compassion and social care.
In addition, Sahabat Insurance Cirebon carried out a food aid distribution program to Yayasan Abulyatama Waddu'afa LKSA Siti Khodijah Al Zahroh, located in Kesambi, Cirebon, West Java, Tuesday, March 17th 2026.
The aid was handed over by Mr. Isa Muhammad, Head of Sahabat Insurance Cirebon Representative Office. This initiative is part of the company’s ongoing commitment to supporting community welfare and strengthening humanitarian values.
Sahabat Insurance extends its gratitude to all parties who contributed and supported these activities. It is hoped that these efforts will inspire continued acts of kindness and sharing in the future.

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Is personal accident cover necessary?

Accidents can happen anytime and anywhere - whether you are at home, at work, or even on vacation. Personal accident insurance is useful to get the financial assistance to you and your family in the event of an accident that leads to death, bodily injuries, temporary total disability, permanent total disability and permanent partial disability. Just as it essential to give your family the financial protection in the event of your demise, you must also think about how they would manage in case of an accident that may lead to disability. You must be prepared for such unexpected situations with accident insurance. Make sure that you know the inclusions, exclusions and other terms and conditions of the policy before you sign the policy.Call 021-50508080 for more info about Personal Accident Insurance.

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