These are the fines and dangers of taking shelter under a JPO or Flyover

Terakhir Diubah : 04:13:58 - Tuesday, 16 November 2021

During the rainy season, motorcyclists usually take advantage of the JPO (Jembatan Penyeberangan Orang), underpasses, or flyovers for shelter. Unfortunately, this turned out to be a violation of traffic laws and regulations.Stopping on the shoulder of the road like that is not only a danger to yourself but also other motorists. The movement and speed of the vehicle will also be hampered.The prohibition on stopping carelessly is stated in Law No. 22 of 2009 concerning Road Traffic and Transportation (LLAJ). Precisely in article 106 paragraph 4 which reads that everyone who drives a motorized vehicle on the road must comply with the following provisions:
Command Signs or Prohibition Signs
Road markings
Traffic Signaling Tool
Traffic Movement
Stop and Park
Warning
As for the criminal provisions related to road marking violations, it is stated in Article 287 paragraph 3. It reads, every person who drives a motorized vehicle on a road that violates the rules of traffic movement, shall be punished with imprisonment for a maximum of 1 (one) month or a fine of a maximum of Rp. 250,000.

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vehicle insurance terms

Often confused to see the term vehicle insurance? Don't worry, Friends of Insurance are ready to help with terms that are often used in Vehicle Insurance.
Insurance policy
You may have heard this term many times, but do you really know the meaning behind it? Policy and insurance policy have almost the same meaning, an insurance policy is an agreement or agreement between the policyholder and the insurance company to perform obligations such as loss or damage protection that has been agreed by both parties.
Insurance premium
A word you will also hear often is premium. In short, the premium is the value or nominal payment agreed by the policyholder with the insurance company. The amount of premium to be paid will also be listed on your vehicle insurance policy.
Sum Insured
Simply put, the price of coverage is the purchase price of a motor vehicle when you make an insurance policy. This purchase price will be listed in the policy and will later become the maximum limit of the liability value of the insurance company if you make a claim at any time.
Total Loss Only or TLO
Well, this one term is very closely related to car insurance. Total Loss Only or TLO is one of the most common types of vehicle insurance in Indonesia. If you choose Total Loss Only motor vehicle insurance, it means that in the event of a loss or damage the insurance will provide repair or replacement costs of only 75%.
All Risk
Just like the term TLO, all risk is also related to the type of insurance you can choose for your vehicle. The difference between the two is that all risk insurance will accept all claims for loss or damage to a motorbike or car up to 100%.
Deductible or Own Risk
Deductible, own risk, or own risk have the same meaning, namely the value that becomes your burden for each damage or loss that occurs. This burden or value is usually calculated from the amount of compensation to be paid. As a policyholder you must really pay attention to these details in the insurance policy purchased.
TJH III or Third Party Legal Liability
In simple terms, TJH III talks about the liability guarantee that will be given by the insurance party to a third party if the insured vehicle suffers a loss or damage. You can ask the insurance party for points regarding Third Party Legal Liability when making a policy.
At least you need to understand the terms mentioned above, besides that, pay attention to the points that talk about losses caused by natural disasters, riots or acts of terrorism. Don't forget to read the motor vehicle insurance policy in full and in detail so that you know exactly what protection you have.
If you still want to find out more details or complete information about vehicle insurance, you can find all the information at www.sahabatinsurance.id or call 021-50508080.

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PEFINDO has assigned its idBBB financial strength rating with stable outlook to Sahabat Insurance

PEFINDO has assigned its idBBB financial strength rating with stable outlook to PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance). The rating reflects Sahabat Insurance’s moderate capitalization, adequate liquidity, and moderate asset quality.
However, the rating is constrained by modest operating performance, concentrated
business profile, and intense competition in the industry.
The rating may be raised if Sahabat Insurance could substantially improve its business position, reflected by doubling its market share in terms of gross written premiums (GWP) in the insurance industry on a sustained basis, while demonstrating its capability to diversify into other profitable line of businesses and maintain its financial profile. The rating could be lowered if the Company's business position declines substantially,
which can be indicated by its market share of GWP in the insurance industry persistently shrinking by more than 40%.

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Sahabat Insurance CSR - Sahabat Peduli Lingkungan

The issue of increasing waste production has become an ongoing problem, particularly in Indonesia. Garbage would have always continued to grow and posed a problem whose accumulation cannot be avoided because all living things will always produce waste in their daily lives.

With the latest corporate social responsibility (CSR) program - Sahabat Peduli Lingkungan, Sahabat Insurance is committed to protecting the environment by providing waste disposal facilities.
The waste will then be distributed to local waste banks and will be recycled into objects of economic value that are useful for the community.

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Embrace Differences by Transforming Workplace Culture Through Diversity and Inclusions

Sahabat Insurance conducted a training session titled “Embrace Differences by Transforming Workplace Culture Through Diversity and Inclusions” on Thursday, October 2, 2025, at the Sahabat Insurance Head Office in Jakarta.

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