Driving Tips: Prevent Parking Lot Crashes
While driving, the car is at risk of being damaged not only while on the road, but also when it is parked. To prevent this, there are some tips that you can do when parking the car, including:
- Choose a large area, safe and not too close to buildings, sidewalks, fences or piles of heavy and large items.
- Try to always park the car in a location with a flat surface.
- There are various risks that can occur when the car is parked under a tree.
- Many car owners choose to park their cars outdoors. Extreme weather changes, from heat to rain, during the changing seasons can also accelerate the deterioration of your car's paint.
- It would be easier to stay unseen while stealing from a car in darkness or in quiet area.
- Parking a car is not an easy affair, especially for drivers who are beginners. Often accidents happen when the driver tries to park his car, for example if he grazed a nearby car or stepped on the wrong pedal and hit a shop wall. Understand the limits of your driving ability and always be aware of your surroundings whenever you want to park your car.
Call us for information on vehicle protection at 021-50508080.
Driving Tips on Uphill Road
Driving on uphill road conditions is often a challenge. Moreover, the contours of the roads that are passed are quite diverse, ranging from climbs, steep descents, slippery and dense vehicles alias jammed. In fact, parking at the mall sometimes has narrow roads due to the limited building area. In general, there are three aspects that cause a car to fail to climb, namely the road surface factor, the condition of the vehicle and the driver himself. Road condition means a condition where the sandy road is steep, potholed or slippery which has the potential to make the vehicle fail to climb. While the condition of the vehicle that is not powered may be due to lack of maintenance, tires, small cc engine power but a lot of cargo. While the driver factor, for example, the skill of the driver to master the vehicle when on an uphill road.
Because, in this situation, the driver tends to panic, then reflexively steps on the gas so that the system perceives a sudden spike in vehicle acceleration.
This is very dangerous, because tire slippage can occur, making the momentum to go on an incline lost. As a result, instead of moving forward, the car is going backwards. The driver must adjust the momentum and step on the gas pedal (acceleration) which regulates the engine rotation rhythm and is not too high so that the car can still climb without slipping.
What is Own Risk?
Hi, Sahabat! If you have vehicle insurance, you must recognize some insurance terms so as not to get confused.
When purchasing a vehicle insurance product, you will be introduced to the term Own Risk (OR). Own risk can be interpreted as payment of compensation costs made by the vehicle owner or the insured for any loss and or damage that occurs when submitting a claim. If you do this, it means that you already know your responsibilities as a vehicle owner. As a form of your sense of responsibility to always be careful when driving. The standard, in accordance with OJK Letter No. 6 of 2017 stipulates that the current OR fee is a minimum of IDR 300,000 per incident.
Please note, standard car insurance policies actually only cover loss or damage caused by accident, collision, impact, overturning, slipping, or falling; evil deeds; theft; as well as fire and all risks covered by the motor vehicle insurance policy. However, if due to a disaster caused by natural disasters such as rain, flood, tsunami, hurricane, hail, tsunami, a product is provided in the form of an extension to protect your car from the causes mentioned above.
If you want to get further explanation regarding self-risk calculation or car insurance closing procedure through Sahabat Insurance Customer Service Online, we are happy to answer your questions via our hotline at 021-50508080 or Whatsapp at 021-50508080.
What to Know About Lending Your Car
There are times you may want to help out a friend, or may not be in a state to drive yourself. It’s normal to want to lend you car, or let someone else drive. But, unfortunately, Vehicle Insurance can deny policyholders’ claims if your friend/family /driver is at fault for the accident or stolen car. Vehicle Insurance can deny your claim if your friend/family/driver were in violation of state law when the accident happened. One example of that would be driving without a valid license. Another is if you were driving while intoxicated.
If the car is lend to a friend, driver or family according to your permission and approval, then when the car is lost, commits a crime or is damaged in an accident, Vehicle Insurance can reject the claim according to the Indonesian Motor Vehicle Insurance Standard Policy Chapter II article 1.3 concerning Exceptions, article theft and/or malicious acts committed by: spouses, children, parents or siblings of the Insured; people working for the Insured, people with the knowledge or with the consent of the Insured. For info about Vehicle Insurance please call Sahabat Insurance 021-50508080.