When you have a personal vehicle such as a car, then you would think to care for and protect it in various ways, including by using services car insurance, Vehicle insurance will make you comfortable and feel at ease when driving on the road, because of the risks that may occur at any time on your vehicle will be borne by the insurance company.
All the comforts of course you have to pay with a number of
obligations to the insurer, where you have to pay a premium for the services
they provide to your car. As a consumer, you always want to get the best
service in return for the obligations you have paid, because it will be
important to ensure that you have chosen and use the best insurance services
that match the needs of your vehicle. This will help you get the best service
and the maximum benefit from the use of such insurance.
Claims In Car Insurance
One of the most important things for you to look at before
choosing and using the services of an insurance company is the claim, because
basically this process will be a most important stage in an insurance services.
You certainly do not want to run into trouble and all sorts of things that
trouble at the time of claim, is not it?
The
claims are an attempt by the insured (policyholder) to get some compensation,
where it arises as a result of an accident or theft of the car that is insured
by the insured to the insurer (insurance company). Good for the type Car insurance TLO (Total Loss Only)or Car insurance All Risk the
claims made about the same.
In other words, it can be concluded that the claim is a
right that you get on liability (premium payments) you've made to the insurer
(insurance company), in which the insurer has an obligation to fulfill it.
Basically, each insurance company will have standard rules they set for
customers who wish to claim, in which this would often be a special
consideration for potential customers when they choose an insurance company
that they will use. The easier the claims process employed by an insurance
company, it will be more and more customers using their services, because
basically everyone dislikes report and get the slow service in all respects.
Stages Experiencing Car
Insurance Claims Accident
The claim process applied by an insurer, will greatly affect
the sales of the products they get, where typically each insurance company will
have its own policy in this regard. As a customer, you certainly do not want to
run into difficulties when making a claim, because it will hurt and waste a lot
of time and effort.
Here
is a standard stage you must do at the moment willinsurance claim, If at any time your car is in an accident or theft:
Reporting Phase
This is the first step that is required for you to do if at
any time your car is getting natural disasters or accidents. Do not forget to
immediately undertake this reporting, because there are time limits and
conditions set by the insurance company for this process. Pay attention to a
few points below the next time you will be reporting on the incidents you
experienced:
1. Do Immediately
The
insurance company usually sets a limit on the reporting of accidental injuries
that occur to a maximum of 3x24 hours after the incident. So it is very
important for you to examine these rules, lest your claim is rejected just because you report it away from the provisions of the
applicable reporting period. You can do this by contacting the insurer by
telephone, SMS, email, or come directly to the insurance company concerned.
2. Include a Clear Evidence
You can also provide you with the way the report included a
photo of your car after the accident, so the insurance company can see the
final shape and extent of the damage that occurs to your car. This can help
smooth your claim.
3. Provide clear information
When filing an accident report that you are experiencing, it
is mandatory for you to provide information that is clear and details about the
accident events that you have experienced it. Describe events truthfully and
straightforward, so the insurance company can know and understand in detail the
information that you provide. Be honest, so that all things could run smoothly.
4. Special Handling
This applies for those who have an accident outside the city
(outside the registration area of insurance that you do), then you can do the
reporting to the branch office nearest insurance, you can get information about
their location by contacting the head office in advance.
5. Report to the authorities
When an accident, then you should also report the incident
to the authorities. It also will help you at the time of filing a claim,
especially if you have an accident outside the city or involve another vehicle.
Complete
Document Accident
When you have an accident and will submit a claim to the
insurance company, then you are also required to complete your claim with
various supporting documents have been arranged in the insurance agreement.
This will help you to be able to file a claim with smoothly and could be
approved by the insurance company you use. Here is a document that you must
include when filing a claim:
1. Claim Form
Make sure you have filled out this form completely and in
accordance with the rules set out in the agreement.
2. Copy of Insurance Policy
It is also one of the documents that are required to
include, because the policy will be important evidence regarding your
participation in an insurance service. Polis also be references to the amount
of the premium and payment information regarding the premiums you've done so
far.
3. Letter of the Local Police, where you have an
accident.
4. Copy SIM
5. Copy of vehicle registration
Stage
Vehicle Repair
The next step you do after filing a claim is to make improvements
to your vehicle. But before doing this, you need to look at some things like
this:
1. Wait Handling Of Insurance
After doing reporting, then you should give some time to the
insurance company to conduct the survey claims, it is to prove the truth of an
event that you have experienced, as well as the condition of the damage caused
to your car. This process can be done by bringing your car to the workshop
partners insurance company, the insurance company's branch office, or by direct
visits from officers appointed by the insurance company to your home.
2. Get SPK
Before doing repairs on your vehicle, then you are obliged
to get a Work Order (SPK) issued by the insurance company as a letter of
introduction to repair the vehicle in the garage.
3. Use Client Services Workshop
Make your vehicle repair workshop partners that have been
appointed by the insurance company, this will help you get a good service and
meet the standards, because in general the only insurance company in
collaboration with workshops that can be trusted performance.
4. Do Accordance With Conditions
Never enter your car to the shop, before you get approval
from the insurer as this will make you run the risk of not being paid by the
insurance company.
Stage Third Party Management
When an accident, could you involve a third party in the
incident, in which a third party affected by or involved in a collision that
you experience it. This will certainly require special handling, so you avoid a
number of expenditure for the incident.
Basically, the vehicle insurance has ensured losses incurred
or suffered by third parties that are outside the insured object but is
directly caused by the object (vehicle you have). This is governed by the
provisions of Liability (TJH) against third parties that includes: motor
vehicle damage, property damage, medical expenses, disability, and even death.
But in this case, there are some things that you must look
like this:
- Do not take over responsibility for third party damages, before you ascertain the willingness or consent of the insurance company on the matter.
- Complete documentation of your report on the losses suffered by third parties, in this case you are required to include data about third parties, such as: copy of ID, copy of driver's license, photocopy of registration, a statement of claims for compensation, a letter from the police who confirmed the existence of the accident.
Stages Experiencing Car
Insurance Claims Theft
Follow Procedure Applicable
Car insurance claim is part of your
rights to participation in vehicle insurance, it can help you avoid losses and
expenses that may arise as a result of an accident or theft of your vehicle.
Complete all the documents and follow the procedure established by the
insurance company, so that your claim can be approved quickly.