Safety Tips for Driving in The Rain

Terakhir Diubah : 08:56:29 - Wednesday, 14 September 2022

Berita - Safety Tips for Driving in The Rain - Sahabat Insurance | Solusi Lengkap Perlindungan Asuransi Anda

Driving in rain, whether a sprinkle or a heavy downpour, can be one of the most difficult driving situations a driver encounters. Rainy conditions are directly associated with higher accident rates. Things To Know Before You Start Driving In The Rain:

  1. Turn on your headlights not your hazard lights. Turning on the hazard lights during heavy rain will confuse other vehicles behind you, especially if you are at an intersection.
  2. Break through puddles or flooded areas. Water may enter the engine and damage your vehicle. The hole or drain may not be visible in the puddle. Avoid breaking through flooded areas.
  3. Traffic accidents are often caused by ignorance, violating traffic due to rain may result in accidents with other road users.
  4. Slow down ! Not only should you adhere to the posted speed limit when driving in wet weather conditions, you should drive considerably slower than you normally would. Wet roads are very dangerous.
  5. Avoid heavy braking, try to slow your vehicle by taking your foot off the accelerator earlier than you normally would in preparation to slow down or stop. Don’t use cruise control so your attention on using both the gas and brake are in tune.

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Heavy rainfall causes flooding in Greater Jakarta

Rain that has flushed Jakarta since Friday, July 16, 2022, has caused flooding. A total of 92 area in the capital were flooded. The data was collected on Saturday, July 18, 2022 (DKI BPBD Data and Information Center) Source: merdeka.com

Disaster mitigation is a series of efforts to reduce disaster risk, both through physical development as well as awareness and capacity building to deal with disaster threats (Article 1 paragraph 6 PP No 21 of 2008 concerning the Implementation of Disaster Management).

So what to do if there is a flood?

  1. Secure important objects and documents, such as house certificates, birth certificates and so on
  2. Turn off the gas and electricity in your home before the flood comes, do not touch electrically charged equipment when you are standing on/in the water.
  3. When you decide to evacuate your house, be aware of undercurrents, drains, sewers, puddles, and other places that are inundated with water.
  4. Do not drive a car in flooded areas. When the water starts to rise, ignore the car and get out. Immediately evacuate to higher ground.
  5. Consider flood insurance for vehicles and homes due to flooding to avoid future losses.
Call Sahabat Insurance at 021-50508080 for information on protecting homes and cars from floods and other natural disasters.

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Driving with smartphone is dangerous!

Playing a smartphone or cellphone can be a problem because it can cause accidents. Someone who drives while playing a smartphone is very possible to lose focus on driving, so they cannot pay close attention to their surroundings. Believe it or not, traffic accidents are also dominated by motorists who lose concentration while driving. In order to minimize the occurrence of accidents due to this, a law was made to make anyone driving more concentrated, disciplined and careful. This is stated in Article 106 paragraph (1) of Law no. 22 of 2009 concerning Road Traffic and Transportation, which reads, "Everyone who drives a motorized vehicle on the road must drive his vehicle fairly and with full concentration."

Then, the sanctions received for violating these rules have also been stated in article 283, Law no. 22 of 2009 concerning Road Traffic and Transportation, motorists may be subject to a maximum imprisonment of 3 (three) months or a maximum fine of Rp. 750,000.00 (seven hundred and fifty thousand rupiah).

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Term Insurance Definition & Meaning

Insurance policy: is a legal contract between the insurance company (the insurer) and the person(s), business, or entity being insured (the insured).

Premium: is the amount of money you must pay to the insurance company for your insurance policy.

Claim : An insurance claim is a formal request from the policyholder (that's you) to their insurance company asking for payment after a covered incident.

Insured:  A person whose life  or property is the subject of insurance.

Insurer: Parties that already have formal permission to carry out business activities related to taking over the risk of other parties based on a policy; for this coverage, the risk insurer receives a premium from another party as the insured; usually, the Insurer is an insurance company.

The age of the Insured: is determined based on the last birthday on the Effective Date of Insurance and will increase on each Policy Birthday.

The coverage period :is the period of insurance protection for the Insured from the Effective Date of Insurance to the Expiry Date of Insurance as stated in the Policy Data.A coverage period is the period of time during which an insured event is protected by an insurance contract.

Fore more information please call Sahabat Insurance 021-50508080.
Source: https://sikapiuangmu.ojk.go.id

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Difference of insurance, savings, investment

What is the difference between insurance, savings and investment? Before we know the difference, it is better if we know the meaning first.

  • According to the Big Indonesian Dictionary (KBBI), insurance is coverage, an agreement between two parties. Meanwhile, the definition of insurance is quoted from the Financial Services Authority (OJK), which is an agreement between an insurance company and a policy holder which is the basis for receiving premiums by insurance companies as compensation in the form of replacing or reducing losses.
  • Meanwhile, the definition of savings as reported by the Financial Services Authority (OJK) is money deposits in banks whose withdrawals can only be made according to certain conditions. Generally, banks will provide a passbook that contains information on all the transactions you have made and an ATM card complete with a personal number (PIN). In its current development, there are several types of savings that no longer use passbooks but internet/mobile banking.
  • Investment is investment, usually in the long term for the procurement of complete assets or the purchase of shares and other securities for profit.

Now, after knowing the meaning, let's see what the difference is:

 1. Insurance is to provide protection against risks that may occur to your assets in the future, savings are a means to save wealth from unused income while investment is an investment of funds in the long term to earn profits.

2. Insurance has an element of necessity because it is bound by a contract in the policy, savings and investment are more flexible and according to the ability of each individual.

3. While the risks that may occur will be protected in insurance according to the terms and conditions in the policy, while the investment risk depends on market conditions.

Well, hopefully this article provides information about insurance, savings and investment. For further inquiries regarding insurance and how to claim, you can contact us at 021-50508080

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