Does Car Insurance Cover Flood Damage?

Terakhir Diubah : 15:03:38 - Jumat, 20 Mei 2022

Berita - Does Car Insurance Cover Flood Damage? - Sahabat Insurance | Solusi Lengkap Perlindungan Asuransi Anda

If you have car insurance, check the benefits you have, as standard auto insurance policies do not have flood protection.

This explanation is contained in the Indonesian Motor Vehicle Insurance Standard Policy (PSAKBI) article 3. It states that insurance will not replace and guarantee losses, damage, costs for motorized vehicles caused by: 3.2. earthquake, volcanic eruption, hurricane, storm, tsunami, hail, flood, puddle, landslide or other geological or meteorological phenomenon.

In order for the car to be guaranteed from these risks, you must expand to protect the vehicle from losses due to flooding.

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Dengue Hemorrhagic Fever

Dengue Hemorrhagic Fever is a mosquito-borne disease that occurs in tropical and subtropical regions of the world. For mild dengue fever, it will cause a high fever and flu-like symptoms.

Many people have no signs or symptoms of dengue hemorrhagic fever infection. When symptoms do occur, they are mistaken for other illnesses, such as the flu. Usually symptoms will appear from four to 10 days after you are bitten by a mosquito.
This disease can cause a high fever of up to 40 degrees Celsius. In addition, some other symptoms, including:

  • Headache.
  • Muscle, bone or joint pain.
  • Nausea and vomiting.
  • Pain behind the eyes
  • Swollen glands.
  • Rash.
Dengue Fever Prevention
  • Use air conditioning or mosquito nets installed in the vents and beds. In addition, mosquitoes that carry the dengue virus are most active from dawn to dusk, but they can also bite at night.
  • Wear protective clothing when you go to mosquito-infested areas, wear long sleeves, long pants, socks and shoes.
  • Use insect repellents such as permethrin as they can be applied to clothing, shoes, camping gear, and mosquito nets. You can also buy clothes made with permethrin already in them. For skin, use a repellent that contains at least a 10 percent concentration of DEET.
  • Reducing mosquito habitat by closing standing water. Mosquitoes that carry the dengue virus usually live in and around homes, breeding in standing water that can congregate on used car tires. You can help reduce mosquito populations by eliminating the habitats where they lay their eggs. At least once a week, empty and clean containers that contain standing water, such as planting containers, animal dishes, and flower vases. Keep the water container closed between cleanings. (Source: halodoc.com)

Essential Checks Before a Long Car Journey

We all know we’re supposed to check our car before we set off on a long journey. But what does that actually involve?
These checks can be done by anyone at any time and will not need any special equipment or prior knowledge.

1.Check Your Tires
There are three elements that you should check:
Appearance
Tread
Pressure

2. Check Your Oil Levels
To check the oil level you will need to remove the dipstick. You should be able to easily locate this as it will be either a bright yellow or orange pull ring.
Once you’ve pulled out the dipstick you should then wipe it clean so that no residual oil remains and could provide a false level.

3. Check The Engine Coolant
It is especially important that this check and top up is done when the engine is cold, and we recommend leaving the vehicle for at least eight hours since it was last used before opening the coolant tank. This is because the coolant can get incredibly hot and with the pressure in the tank opening it when not cool can cause serious injury.

4.Make Sure Your Lights are Working
To check your headlights and high beams face the reflective surface, and turn them on. You can also check your cabin light, and your front fog light, if your vehicle has one.

5.Test Your Brakes
You should also check your brakes are working correctly before setting off.
There are two checks to complete. The first is to press down on the brake pedal before starting the engine, it should feel spongy and not slack at all. Then turn the engine on and conduct the second test. In a safe place you should apply the brakes firmly when driving. The vehicle should stop promptly and not pull to one side.

6.Check your battery
Before you head off you should check that your essential electric systems (battery) are working. A problematic battery will reduce the ability to supply electricity to a number of components, such as lights, wipers, door locks, air conditioners, audio systems and others. The characteristics are easy, these components do not work stably if the battery has a problem.

7.Fill Up
If you’re setting off on a long trip, then you should fill up at the fuel station.
Drivers should refuel their vehicle when they have anywhere between a quarter of a tank or half of a tank left for maximum efficiency.The less fuel in your tank, the greater the risk of running out completely in a bad spot.

For more info about car insurance, please call 021-50508080.