When you have a private vehicle like a car, of course you will think about caring for and protecting it in various ways.
including car insurance, motorcycle. Vehicle insurance will make you comfortable and you will feel calm when driving on the road.
What we don't know is that the risk that might occur at any time to the vehicle will be borne by the insurance company.
Of course, all this convenience must be paid for by a number of obligations to the insurer in the form of a premium
of the service they provide to the car.
As consumers, of course we always want to get better service in return for the obligations we have paid.
Therefore, it is very important to ensure that you have chosen and used the best insurance services and of course those that suit your needs.
This will help you get the best service and maximum benefits from using this insurance.
a. Claim for Car Insurance
One of the most important things to look at before choosing and using the services of an insurance company is claims.
Basically, this process will be a very important stage in insurance services.
Claim is an attempt made by the insured (insurance policy holder) to get some compensation.
This occurs due to an accident or theft of a car insured by the insured to the insurer (insurance company).
Claims can be applied to all types of car insurance, namely TLO (Total Loss Only) car insurance and All Risk car insurance.
Claims are rights obtained for obligations (premium payments) that have been made to
the insurer (insurance company) and the insurance company have an obligation to fulfill this.
Provisions regarding insurance claims are generally used as material for consideration by prospective customers if they want to use insurance for cars.
The easier the claims process implemented by insurance companies, the more customers use their services.
Several Stages and ways to Claim Car Insurance that Experiencing Accidents
The claims process implemented by insurance companies will greatly affect the sales figures for the products they get.
As a customer, of course you don't want to experience difficulties when making claims, let alone to the detriment and waste of a lot of time and effort.
The following are some of the standard steps that must be carried out when submitting an insurance claim, if a car is involved in an accident or theft.
1. Reporting Stage
The first step that must be done if the car gets into a disaster or accident. Don't forget to do this report immediately,
because there are time limits and other conditions set by the insurance company for this process. Check out some of the points below
when reporting the incident that you experienced.
Do It Fast
The insurance company usually determines the maximum limit for reporting accidents that occur with a maximum limit of 3x24 hours after the incident.
Don't let the claim be rejected just because the reporting of the incident is far from the applicable time provisions. This can be done by calling
insurance party by phone, SMS, email, or come directly to the insurance company concerned.
Include Clear Evidence
Include a photo of the car after the accident, so the insurance company can see the latest condition and how much damage was done to the car.
This can help smooth claims filed.
Provide Clear Information
When submitting an accident report, provide clear information about the details of the incident. Describe what actually happened and what didn't
convoluted, so that the insurance company can understand and understand the detailed information provided. Be honest, so that all matters can run smoothly.
2. Complete Accident Data and Documents
When you have an accident and are going to submit a claim to the insurance company, complete the claim supporting documents that are regulated in the insurance agreement.
This will help you to be able to submit claims smoothly and get approved by the insurance company you use.
The following are some of the documents that must be included when submitting an insurance claim.
Claim Form
Copy of Insurance Policy
Certificate from the Police where the accident occurred
photocopy of SIM
photocopy of STNK
3. Vehicle Repair Stage
The next step after submitting an insurance claim is to make repairs to the vehicle. However, before doing this,
pay attention to some things as below.
Wait for Handling From the Insurance Company
After reporting, give time to the insurance company to conduct a claim survey. This is to prove
the truth about the incident that you have experienced and see the condition of the car damage. This process can be done with
how to bring a car to an insurance company partner repair shop, an insurance company branch office, or with a direct visit from an officer
appointed by the insurance company at the place agreed to meet.
Get SPK
Before carrying out repairs, get a Work Order (SPK) issued by the insurance company as a cover letter for
Carry out vehicle repairs in the workshop.
Use the Partner Workshop Services
Carry out vehicle repairs at partner workshops that have been appointed by the insurance company. This will make it easier for you to get
good service and up to standard. In general, insurance companies only work with repair shops whose performance can be trusted.
Do It In Accordance With The Applicable Conditions
Do not try to enter the car into the garage before getting approval from the insurance. Because, it will make you suffer
the risk is not paid by the insurance company.
Several Ways And Steps You Want To Claim For Car Insurance
Third Party Handling Stage
When you have an accident, third parties could be involved in the incident. For example, a third party is affected or involved in an accident.
This of course will require special handling, in order to avoid a number of expenses for the incident.
Basically, vehicle insurance also guarantees losses that occur or are experienced by third parties who are outside the object
directly caused by the vehicles they own. This is regulated in the provisions of Legal Responsibility (TJH)
against third parties which include: motor vehicle damage, property damage, medical expenses, bodily disabilities, and even death.
But in this case, there are several things that must be known and observed.
Never take responsibility for third party losses, before confirming the willingness or approval of the insurance company for this.
Complete the report documents for losses suffered by third parties, in this case include third party data :
Photocopy of KTP
Copy of SIM
Photocopy of STNK
Statement of claim for compensation
a. statement from the police confirming the accident.
b. Car Insurance Claim Due to Theft
If you have lost your car due to an act of theft, then the first thing you must do is report it to
authorities and insurance companies. You must also complete your claim with the following documents.
Completely filled claim form.
Photocopy of KTP, SIM, STNK.
Certificate from the police
STNK blocking letter.
Follow the Applicable Procedures So that Car Insurance Claims Smoothly
Car insurance claims are part of your right to participate in vehicle insurance. It can
help you avoid losses and also expenses that could arise as a result of an accident or theft of the vehicle.
Complete all documents and follow the procedures set by the insurance company, so that claims submitted can be approved with a fast process.