Insurance companies generally offer two types of vehicle insurance in terms of protection or proteksinya conditions, namely:
1. Comprehensive (All Risk)
Ensure that the risk of loss or damage to vehicles, in part or whole, including the replacement here to third parties (victims) who suffer.
2. Total Lost Only (TLO)
Which ensures protection against the risk of a vehicle if the loss or damage costs equal to or exceeding 75% of the price of the vehicle and insurance for lost or stolen car.
The amount of premium for both types of vehicle insurance is of course different. Given the magnitude of risk is the possibility of a thing of the vehicle is also not the same.
Comprehensive insurance type (All Risk) bear the risk of loss as a whole, both vehicles are missing because of theft or loss as small as a broken mirror because terserempet another car. That's what makes premiums more expensive.
While insurance type Total Loss Only (TLO) the premiums are cheaper, because it knows the minimum losses. So the damage that causes loss of a few (less than 75% the price of the vehicle) not covered by insurance. Comparison premiums could double or more. Suppose that in a large vehicle insurance company premiums it TLO 1.25% of the value of the vehicle, the greater the premium All Risk can be reached 3% of the value of the vehicle.
Choose The Right Insurance Company
Vehicle insurance world developments in Indonesia from year to year is fluctuating. For example, before a riot or a flood some time ago, the business of insurance or not much can be said ogled'm lonely-lonely. As soon as the rains came that made a big flood in some areas of Jakarta, many vehicles that need serious improvement, because the submerged and the water washed away. Or, when a riot in the election. There was little damaged vehicles that can not be right again, because the whole bodinya charred burned. Can be estimated how many losses to be borne vehicle owners, because it does not take insurance. Perhaps because of such events that ultimately affect people's views will use vehicle insurance.
Since then people began to think again of the need to issue vehicle insurance. Because of the high market demand for vehicle insurance services, it is captured by the owners of capital as a profitable business opportunities. Therefore, many insurance companies emerged a new vehicle. Until now there are over 100 car insurance companies. Of course not all good service quality. This makes the competition among the insurance companies themselves become increasingly stringent. During the competition more healthy and improve the quality of service to consumers, the better. For example service claims process quick, emergency road assistance 24 hours a day, a third-party indemnification (the victim) until a certain amount, and so on. The problem now is that starting a war alarming premium rates that are less healthy and more illogical between them. While his claim service is very bad and disappointing. For that before submitting an application, we should choose an insurance company which is a public company, transparent and reliable. Health insurance companies, always reported its financial results periodically. By knowing the financial statements, we can know that certain insurance in insolvent circumstances (difficult to meet its obligations) or profitable (profitable). That way, we believe, that the premium we pay in a certain period not in vain. From time to time a consumer must file a claim, the insurance company will meet its commitments. So be careful and do not be affected by the insurance that offers low premiums alone.
Post Insurance
Actually to apply fairly easy vehicle insurance. The important thing is to determine the choice of insurance companies who really trusted. Come directly to the companies we choose to fill out and study the contents of the deal well before it was signed.
Determine which type of risk dependents who want to ditanggungkan by insurance companies (TLO or All Risk). Customize your vehicle with our risk, especially regarding the nature of the use of vehicle, year of manufacture, and other types of additional dependents.
Of applications that the company will conduct a survey vehicle concerned (the condition and feasibility). The insurance company will consider his willingness to be a guarantor of the submission of our application. Sometimes it can also not an agreement. For example because the vehicle was known as the dependents are insured in other companies. Or vehicles older than 5 years from the time of filing. But it could also depend on the amount of premiums we sanggupi.
What is certain is that the application had listed all the agreements which are agreement guidelines for the insurer (the insurance) and the insured (the owner of the vehicle). So that in the event of a claim, there are already clear rules for both parties.
Never Too Late Submits Claim
As a participant insurance, there are things that need attention. If a disaster such as having a traffic accident or theft, you should immediately contact the insurance company underwriter of our vehicles and report to the nearest police station. Equally important is taking care of paperwork requirements for insurance claims. If you can not be done alone because they have to go to the hospital, can provide a power of attorney to someone else. This is important because the prerequisite is the insurance claim accident certificate from the police or medical information from hospitals (if there are victims). Within a period of less than 3 × 24 hours since the incident, we must make a claim. After 3 × 24-hour insurance companies are not serving anymore. Why should 3 × 24 hours? That period was a stipulation and agreement among all insurance companies. This is to avoid misunderstanding, considering the number of external factors on the objects moving in public places such as vehicles. With the provision that if the insurance companies still need information from other parties will not require a long time.
source: translated from jualmobilbekas.com
Source: Mobilmotor January 2003
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