How To Claim Car Insurance
Terakhir Diubah : 09:37:44 - Jumat, 29 Oktober 2021
Before filing a claim for a car that was damaged in an accident or lost, you need to prepare several documents, including:
Insurance policy in original and photocopy.
Copy of SIM and STNK.
Proof of a police report if the car is seriously damaged due to an accident or loss.
Completely filled and signed claim form.
Written chronology of events.
Photos of damage such as, scuffs, dents and others.
To find out how long a car insurance claim will take, you can directly ask an agent or Sahabat Insurance customer service at 021-50508080.
After The Accident
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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.
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.