4 Important Steps for a Smooth Car Insurance Claim

Vehicle insurance is now an important requirement for car owners. The vehicle will be protected from various risks that lurk with the right insurance product.

To get the best car insurance , you need to choose an insurance company that offers complete services. Premiums must also be competitive, not cheap, but not too expensive.

In addition, you are also required to understand the rules of the game applied by the insurance company in order to use the service optimally. Because many of the customers do not read carefully and study the insurance policy before signing the agreement.

Generally, problems occur when claiming car insurance. There are often rejections because they are not in accordance with the policy. Even though you think it will be easy to file a claim. If so, you will lose. I have paid a premium every month, but it was my turn to claim that it was not according to the rules of the game.

Similar to other insurance products, for car insurance, the claim submission process must be carried out according to the procedures established by the insurance company. If you do not fulfill it, there is a risk of claim being rejected.

Avoid denial of insurance claims in a proper way. Here are 4 important steps so that a car insurance claim goes smoothly:

1. Immediately contact the insurance company

When something bad happens to your car, for example an accident, loss, damage due to flooding or other risks that must be addressed immediately, then contact your car insurance company.

Maximum reporting requirements are 3 x 24 hours after the incident. So if you can report as soon as possible, so as not to be late. The report will make it easier for you to submit claims and the survey process as one of the claim procedures.

Explain to the insurance company the chronology of events that you have experienced, so they understand and are clear. If your car, for example, has an accident, immediately call the insurance and file a claim. you will get a tow truck service, repair at a partner workshop, or others.

The insurance company will provide you with a claim form. Fill out and complete this form, so that it can be used to repair the car at the partner workshop. Don't forget to convey that the claim submission documents are being prepared.

2. Prepare and show evidence

Submitting a car insurance claim should be equipped with clear evidence. This shows that you are not making up an event to get compensation from the insurance company.

Evidence of an accident, for example, can be a photo of a dented car body . The car was lost in the parking lot, shown by CCTV evidence, or other evidence. In addition, this evidence can also be used as material for reports to the authorities (police).

3. Explain the chronology of events in detail and clearly

When submitting a car insurance claim , you will be asked to explain the chronology of an event clearly. Not only that, you also need to answer various questions that may be asked by the insurance claims employee.

Make sure you answer the question properly. So keep that in mind, the chronology of events, the location, the time of the incident, the position of the car driver at the time of the incident, and so on.

4. Complete and submit the required documents

Submitting a car insurance claim, the condition is that you must submit several important documents. This document is tailored to the needs of your claim and is incidental.

Car accident claims:

Claim submission form
Certificate from the police
Photocopy of car insurance policy
Photocopy of KTP and SIM
Evidence of the incident (several photos after the accident occurred).

If the accident involves another person or a third party:

Photocopy of KTP, SIM, STNK from a third party
Certificate from the police
Letter of statement on claim for damages from a third party affixed with seal
A statement from a third party, where it is written that the person concerned does not have insurance services

For claims for loss due to theft:

Claim submission form
Photocopy of KTP, SIM, STNK
Certificate from the police regarding the theft of your car
Proof of blocking your vehicle's STNK.

Choose TLO Car Insurance or All Risk Yes?

Before buying an insurance product, make sure you first choose an insurance service that provides protection according to your needs and financial capabilities. There are 2 types of protection in car insurance, namely All Risk or Comprehensive and TLO ( Total Loss Only ).

All risk guarantees all damage to your car. Starting from minor damage, heavy, to the loss of the car. Meanwhile, TLO provides a guarantee in case of loss or damage of more than 75%. If the car is slightly damaged, such as a broken or scuffed rearview mirror, the insurance will not compensate you.

Both types of car insurance offer different premiums. Of course the all risk type, the premium is bigger than TLO. So , which one do you want to choose?