About Car Insurance
Recognize the Types and Importance of Car Insurance
For those who own a car, now it seems like insurance is an obligation. This is the reason car insurance is so important. A car is a favorite asset for some people, especially when the car they own is a dream car. Of course, the car will be properly cared for and protected.
One way to protect a car is to register it with insurance so that it is covered from various unwanted risks, including accidents, disasters, and even loss. To make sure your car stays safe, this is why car insurance is so important.
Know the type of Car insurance
However, before knowing the importance of car insurance, it's a good idea to get to know the types of insurance first. Currently there are several types of car insurance available, such as all-risk insurance that can cover all the bad risks to your car, especially for new cars.
This type of insurance will protect your car from minor damage, such as minor scratches on the car body, serious damage, to loss. Then there is also total loss only (TLO) which provides protection if the car you own is lost, in the case of robbery, theft or robbery.
For accident insurance, there is collision coverage insurance . As the name implies, this type of insurance is specifically for financing car accidents caused by a crash caused by the driver.
Not much different from collision coverage , liability insurance also provides claims services based on the same case. But the difference is, this insurance can provide additional coverage, covering the cost of medical bills for injuries suffered by the driver. The last car insurance that you can register for is a personal injury protection (PIP) product. This insurance provides special protection for drivers who have an accident against themselves while driving a car.
Safe from disaster
There are several companies or insurance service providers that include flood-damaged cars in their all-risk package . But there are also those that require you to buy an additional policy. Therefore, when buying all-risk insurance , make sure to what extent the policy can protect the car you have.
If the car is damaged by floods, it is not covered by insurance, you better buy a policy that covers it separately to protect the car from unwanted events, especially if your house is located in a flood-prone area.
Insurance is currently very widely used by the public because it is important to protect cars from unwanted incidents, one of which is damaged by riots. Before you claim insurance, first make sure the car insurance coverage has been extended to the SRCC coverage package (Strike, Riot, and Civic Commotion). SRCC is an additional insurance protection service, which covers riots, strikes, and riots.
Of course there are additional costs that must be paid according to the terms and conditions of the insurance. With that, the car damaged by the demo will get compensation from the insurance company if you join the SRCC coverage package.
Furthermore, if you want to file an insurance claim, prepare insurance documents, such as a photocopy of the insurance policy, a copy of your SIM and STNK, and a Police Certificate (if the vehicle is heavily damaged in a serious accident). After arriving at the partner shop, the workshop will provide a document in the form of an insurance form that you must complete. Fill in correctly and in accordance with the data in the complete document.
When all is done, you just need to sit at home and be patient. Your car will be repaired by the repair shop no later than 3-4 days, a maximum of 7 working days.However, if the damage is severe, it can take a long time or the insurance company will replace it with a new one. As long as you have the right insurance, you don't need to panic if something goes wrong with your favorite car, including flooding. For that, always protect your car from all the risks that can occur with insurance
You pay less with a greater return
Insurance frees you from extra costs in the event of a natural disaster or other incident. We know that natural disasters are unpredictable or predictable. In the event of a landslide, flood, earthquake, or anything else - that causes damage to your car - insurance will be there to cover you. This includes if you experience vandalism or car theft. Now you can imagine a world without car insurance.
Every time a car breaks down you must replace every spare part of your car with your personal pocket, risking your bank account and some or all of your assets. Accidents are more than just inconveniences, they take the form of more material and immaterial losses. A car insurance policy protects your finances from unexpected costs..
Save Time and Minimize Inconvenience When Accidents Happen
Your busy activities are also the reason it is important to have car insurance.
If you have car insurance, your insurance company will help you through the unpleasant post- accident process , such as working with another driver's insurance company, assisting you with the claim process, helping to find a large repair shop, and helping your claim process to be resolved quickly. and fair. The post- accident process is quite difficult on your own.
Insurance can be a great investment vehicle Cash
If you are thinking of saving while protecting your assets, insurance can be the right choice. Wouldn't it be nice to have a single tool that could cover multiple goals at once?
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