How to claim car insurance, of course, must be known to the vehicle owner.
Because sometimes unexpected things can happen on the highway. For this
reason, vehicle owners must have car protection or insurance to minimize the
risk due to traffic accidents or damage.
With an insurance policy, you don't have to worry about repair costs because
everything will be covered by the insurance. However, there are differences
in how to claim all risk car insurance with total loss only.
Terms of car insurance claim Summarized from the official statement, you
need to prepare the following documents for car insurance claim
requirements:
- Insurance policy in original and photocopy.
- Copy of SIM and STNK.
- Proof of police report if the car is seriously damaged due to an accident or loss.
- Completely filled and signed claim form.
- Written chronology of events.
- Photos of damage such as, scuffs, dents and others.
- Don't forget to prepare the claim fee or own risk for the claim you submit.
To find out how long a car insurance claim takes, each car insurance company
usually has a different policy. Therefore, you can directly ask the agent or
customer service.
Total loss only (TLO) car insurance will only grant a claim if the car
suffers a total loss. The indicator is the damage suffered at least 75% of
the total or experiencing theft.
If you buy a car on credit, it will generally automatically get TLO
insurance. Even so, you can also buy it yourself if you buy a car in cash.
Summarized from the official Lifepal.co.id statement, here is how to claim
TLO car insurance:
- If the insured car is lost, the claim process begins with making a loss report first at the police station where the incident occurred.
- You will be asked to write a written chronology of the events.
- Don't forget to bring all the required documents for vehicle insurance claims such as KTP, SIM, STNK and BPKB (if any). Also insurance policies and loss reports.
- Submit the document to the insurance company.
How to claim All Risk car insurance
If you want to have vehicle insurance that will cover all risks that may
occur, including all types of damage, both on a light and heavy scale, even
loss of units, then the choice is all risk car insurance. The following are
the steps for all risk car insurance claims:
- Attach a photo of the damage, make a chronology in writing, or visit a repair shop that is your insurance partner.
- If you are out of town, you can contact an insurance agent and tell them the problem so they can recommend a particular repair shop in that city.
- Fill out the claim form available at the workshop that has been signed with stamp duty and attach other requirements.
- If everything is complete, the workshop will confirm with the insurance company. If approved, your damaged car will be repaired immediately.
- If the accident involves a third party, you can also file an insurance claim.
The way to claim third-party car insurance is almost the same, you can add
photo evidence and a certificate from a third party regarding the losses
experienced.
