5 Types Of Motor Insurance Coverage


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Insurance as an error of protection products that are currently needed the direct mount. This is not a date according to the many types of bad possibilities that occur in the middle of the trip.

In anticipation of porto, which has a possible impact earlier, the insurance contribution arrives as a financial savior. With the insurance contributions, part of the existing port as a dependent of the company’s insurance contributions.

The type of collateral for motor vehicle insurance coverage that is usually given by the company is as follows.

Insurance as an error of protection products that are currently needed the direct mount. This is not a date according to the many types of bad possibilities that occur in the middle of the trip.

In anticipation of porto, which has a possible impact earlier, the insurance contribution arrives as a financial savior. With the insurance contributions, part of the existing port as a dependent of the company’s insurance contributions.

The type of collateral for motor vehicle insurance coverage that is usually given by the company is as follows.

five types of motor insurance coverage

The type of collateral for motor vehicle insurance coverage that is usually given by the company is as follows.

Guarantee A: total loss is also partial

This guarantee is given to the insured who insures a four-wheeled vehicle. Compensation will be awarded for any type of port that causes losses for the insured. In addition, damage & loss is also a responsibility according to the insurance company concerned.

The amount of coverage provided does not exceed the value of the insured four-wheeled vehicle. If the price of a four-wheeled vehicle at that time was Rp 300 million, then the coverage port provided by the company for a total loss of less than Rp 300 million.

Guarantee B: one-time aporisma loss

The company indemnifies the restoration port for any damage or accident that may have occurred. However, the loss incurred is only one event, not more.

That is, if the four-wheeled vehicle in question wants to file a claim home for total loss, the claim is automatically rejected. The exception is if the insured four-wheeled vehicle is different, but still at one company.

Guarantee C: loss of impact of third party claims

The insurance contribution company is willing to put porto indemnity for damage as well as losses suffered by the policy. In it, including if the loss was the impact of third-party claims.

For example, when the insured nir accidentally hit another four-wheeled vehicle, then porto compensation demanded by other motorists as the responsibility of the company’s insurance contributions.

If the damage that occurs is more than 75% or the four-wheeled vehicle is declared lost & not found during the 60-day aporisma period, then this loss is included in the total loss category. The insurance contribution company will compensate for this loss as recorded in the policy provisions.

Guarantee D: total loss

Holistic loss or damage resulting in motor mounts can not be used home anyway as the responsibility of the company’s insurance contributions. This is as stated in the policy policy when registering mounts in the insurance contribution product.

As for losses that are not included in the category of total losses, then the compensation port will follow other types of collateral.

Warranty E: coverage only for third party

The last Guarantee is a type that is only given to third parties. In this case, the port of coverage is granted if a third party demands a port of compensation according to the insured whose vehicle is included in the Insurance Contribution Policy.

The amount of porto indemnity is given synchronously using the policy of the insurance company concerned. But for the record, the compensation port will not be the same as using the amount of restoration port for the damage suffered by the third party.

Things to consider when filing a claim

Completing the claim submission documents is crucial to facilitate the claim process. However, there are several things that must be considered so that Nir claims are rejected, including:

It’s not an intentional element

If the customer is proven to have deliberately crashed a four-wheeled vehicle in order to receive compensation according to the insurance contribution company, the claim submission will undoubtedly be rejected. Therefore, do not create accidents that are far-fetched so that the port that has been paid according to the bag is immediately replaced by the company.

Not a form of violation

A claim is accepted if the accident was due to a literal event that occurred on the trip. If the accident is caused by Direct Action, for example breaking traffic signs or parking the vehicle carelessly, there is the potential for claims of insurance contributions to be exclusively rejected.

Self-driving cars to drive

The cost of compensation must not be replaced if the vehicle is driven when the condition is not roadworthy. In the sense of the terms the engine is worn out or parts are damaged. It would be better to take the mount to the relation workshop to receive an intense restoration if the condition is not worth traveling.

Driven by a person who does not have a driver’S license

Whoever rides your private ride, make sure they have a driver’S license. if a bad event occurs on the trip, for example an accident, the insurance contribution company will cover the existing compensation port. But if the driver does not have a driver’S license, do not be upset apajika claim for damages incurred flatly rejected.

The driver is under the influence of liquor

Consuming alcoholic beverages, drugs, or other addictive substances before driving a vehicle can endanger the safety of the driver. in the event of an accident due to this, the costs are not the responsibility of the insurance company.



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