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.
Earthquake Insurance: Extension Coverage
Earthquakes may happen naturally , but we do not know exactly when. Vehicle insurance, as in the Indonesian Automotive Insurance Standard Policy issued by AAUI, does not have Earthquake Coverage included in the Standard policy. To have an Earthquake Risk Guarantee, the Insured needs to extend the Earthquake Protection Guarantee as Extension Coverage (Additional Coverage). For more info about the extension coverage, please contact Sahabat Insurance call center or via WhatsApp chat: 021-50508080.
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).