Car Insurance Protection
We really never know about things that might happen in the future. For that, it is also important that you have protection from various risks, in this case regarding the car, such as the risk of damage to loss. Pity your expensive car is damaged? Moreover, because there is no protection, you also have to pay dearly for the cost of repairing it.
Vehicle insurance is useful to protect you from losses due to accidents. What are some examples of vehicle insurance benefits and protections?
In general, examples of types of car insurance consist of total loss only (TLO) car insurance and all risk (comprehensive) car insurance.
1. Total Loss Only Car Insurance Benefits (Total Loss/TLO Car Insurance)
As the name implies, total loss only (TLO) car insurance offers car insurance benefits in the form of claims that can only be made if there is a total loss. The total loss in question is damage that occurs above 75% or loss due to theft or confiscation. The amount of damage of 75% is used as a benchmark because the car will certainly not be able to be used again.
2. All Risk (Comprehensive) Car Insurance Benefits
All risk insurance is a long-term and comprehensive protection insurance, it protects the vehicle from losses, for example from accidents, other people's evil deeds, fire, and others.
Ask us about vehicle insurance via the WhatsApp chat application or contact us at the Sahabat Insurance call center 021 - 50508080
Tips For Safe Exercise
Exercising on the highway turns out to be a risky accident, you know! Especially if you exercise on protocol roads or highways with heavy traffic. Choose a sport venue that is not too crowded with vehicular traffic such as in parks or residential complex roads, wear safety equipment such as helmets if you are a cyclist and avoid exercising at night. For Personal Accident Insurance, contact Sahabat Insurance at 021-50508080.
Sahabat Insurance launches new representative office in Jambi
PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) launch the 18th representative office in Jambi on Wednesday 21 September 2022, in order to expand the official representative office in Indonesia.
Sahabat Insurance is committed to continuing to provide customer satisfaction, by always maintaining and improving service quality, as well as reaching customers spread across Indonesia.
Visit Sahabat Insurance - Jambi at Jl. Sumbiono Blok A2, Jelutung, Jambi. If you need immediate assistance, please call us at 0741-3622176, 021-50508080 or email [email protected]
Sahabat Insurance is a general insurance company with products such as:
•Motor Vehicle Insurance
•Personal Accident Insurance
and so on.
For more information call us at 021-50508080.
Tips on Insurance Claims If Car Loans Lost?
Of course you will experience panic when you realize that the private car you usually ride is not there and has definitely changed hands to an irresponsible party or stolen, sad because you know the missing car has not paid off its credit payment, worried for fear of not being able to claim, it's natural but take it easy, because usually at every leasing company, cars that have not been paid off are still guaranteed to the insurance and can be a solution if you experience a disaster like this.
Released from Asuransi Magazine, the first step and must be taken immediately is to report to the creditor of the incident and or contact your car insurance provider directly, try within 3 X 24 hours after the theft occurs, so that there is no disruption in the claim process. insurance. To facilitate the process of filing a claim, complete the theft report with an official letter from the police, because the police agency is the only institution authorized to declare the status of the stolen car lost.
After receiving a police letter, prepare important documents such as a Motor Vehicle Insurance Policy, a photocopy of STNK, and a driver's license to be included in a report to the car insurance company. After the document submission process is complete, the police and insurance will examine the case that happened to you, to ensure the validity of the incident. If it is proven that it complies with the clauses and definitions of the theft victim (reference PSAKBI and KUHP), the total lost stolen claim can be processed. As a car owner, you will be given a cover letter from the insurance company to help make a vehicle registration block letter from the local regional police (POLDA)
Insurance claims can generally be disbursed from 14 days or 21 days from the day of the incident, if the documents needed to support the claim submission have been completed. However, if the car is found within 60 days, you can change the type of claim, from total lost stolen to partial loss. So that the damage that occurs during the process of loss, can be compensated by the insurance.
Conclusion In Making a Car Insurance Claim
- Make sure the loss report is not delayed, so that the car insurance can act quickly.
- Always put important documents, related to your car insurance policy in a safe and easy to find place, so that they are easy to find in the event of a theft case.
- It must be remembered that, the car insurance only covers loss in the category of car theft. Meanwhile, losses resulting from fraud or embezzlement are not covered by insurance coverage.
- Before looking for a suitable insurance company, first compare the services and prices offered, then provide possible theft scenarios, and ask if they can protect you from these risks.