L&G Insurance Broker Claims Experience
This article is part of a series of true stories documenting L&G Insurance Broker’s experience in overseeing and resolving client insurance claims across various industry sectors. Each article demonstrates that risks are real, insurance is the solution, and the role of experienced brokers is crucial when business crises are unavoidable.
In the world of fuel distribution, timing is everything. Every delay means queues, public pressure, and increased operational risk. But on July 20, 2024, a routine trip turned into a near-disaster—and that’s where the role of an insurance broker was truly tested.
Fuel Delivery Should Be Normal
A Pertamina fuel tanker truck, belonging to one of Pertamina’s subsidiaries, departed carrying a full load of fuel to a gas station in Parepare City, South Sulawesi.
For energy logistics companies, this is a daily activity.
Familiar routes. Ready vehicles. Experienced drivers.
No one thought that the day would end beyond plan.
Decisions Under Time Pressure
When the truck arrived at the gas station, it was extremely crowded. The long queue prevented the truck from entering to unload.
In situations like this, time becomes the enemy.
Waiting means delay in distribution.
Looking for alternatives means new risks.
To save time, the driver decided to direct the truck to another gas station several kilometers from the first location.
A decision that seems reasonable—but carries hidden risks.
The Moment on the Hill That Changed Everything
En route to an alternative gas station, the truck had to navigate an uphill road. With a full tank of fuel, the vehicle’s load was at its maximum. On the incline, the truck lost power. The driver tried to slow the vehicle down. However, the laws of physics were unforgiving. The truck began to roll backward, lost balance, swerved, and then overturned. Within seconds, the vehicle, worth billions of rupiah, lay sprawled on the road.
Severe Damage and Spilled Cargo
As a result of the accident:
- The fuel tank suffered serious damage
- The truck body was crushed
- Broken glass
- Most of the fuel load spilled
This situation is potentially very dangerous. But there’s one thing to be thankful for:
- The driver was safe and did not suffer any injuries.
- There are no third party victims
- There was no fire or explosion
The material losses were great—but lives were saved.
Very Real Panic
For the truck-owning company, this accident raises many questions:
- What will happen to the vehicle?
- How is the load loss?
- Will the claim be accepted?
- How quickly can this be done?
In the energy sector, vehicles like these can’t afford to be idle for long periods. Downtime means disruption to the fuel supply chain.
Fortunately, one important decision had been made long before the accident occurred.
Insurance Already Prepared Through L&G
The tanker truck has been insured through L&G Insurance Broker.
It means:
- The risks have been mapped
- Policies are prepared according to operational needs
- Insurance companies are selected based on claims considerations
- Administration of policies and premiums in orderly condition
These things that are often taken for granted are the deciding factors when a crisis comes.
Fast Report, Accurate Response
Immediately after the accident, the owner company reported the incident to L&G.
Without delay, L&G:
- Receive official report
- Helps compile a chronology of events
- Directing initial documentation
- Immediately report the claim to the insurance company
The insurer that covers this risk is JP Insurance (disguised as JP), one of the national insurance companies.
The initial response from the insurance was positive and cooperative.
Loss Adjuster Appointed, Process Begins
The insurance company appointed Prima Adjusterindo Mandiri (Prima) as its independent loss adjuster. For many insureds, this is where the process can feel complicated and confusing. But not for L&G clients.
L&G Gives Up Full Power
L&G immediately followed up actively by:
- Collecting supporting documents for claims
- Collecting photos of accidents
- Set up a field survey schedule
- Accompanying clients during surveys
- Technical discussion with loss adjuster
- Clarifyingscope of damage
- Discussing repair cost estimates
Everything is done in a structured and coordinated manner.
Clients are not left to face this process alone.
A Process That Is Not Always Smooth
Discussions with the loss adjuster were intense:
- How much damage is done to the tank?
- Can the body be repaired or does it need to be replaced?
- What is a reasonable loss value?
- Is all damage covered by the warranty?
Differences in viewpoints are normal in claims.
This is where L&G’s experience becomes crucial:
- Keep the discussion objective
- Refer to policy, not assumptions
- Ensuring client interests are fairly represented
Two Decisive Months
The claims process takes approximately two months from the date of the accident. It’s not an instant process.
However, it was much quicker and more focused than many similar claims that stalled for months, until finally, an official decision was issued.
Claim Approved and Paid
After all evaluations are complete:
- Claim approved
- The claim value is around IDR 500 million
- Payment is made to the insured
For clients, it’s not just about money. It’s about:
- Certainty
- Operational continuity
- And the belief that the decision to use a broker is the right decision
Important Lessons from This Incident
This story reaffirms the reality on the ground:
- The accident really happened
- Operational risks are unavoidable
- Insurance claims are not automatically paid
- And insurance brokers are the key differentiator
Handling claims yourself or hoping the process goes “as is” is an additional risk that is often realized too late.
Conclusion: L&G as a Reliable Source in Critical Times
In this tanker truck overturning incident, L&G proved its role is not just a policy intermediary, but a strategic partner in times of crisis.
Starting from:
- insurance planning,
- rapid response after an accident,
- claims process escort,
- until the claim is actually paid.
Risk is unavoidable. But losses can be managed with L&G Insurance Broker.
Contact L&G Insurance Broker for proper insurance planning and claim monitoring until payment, not just promises.
Disclaimer
This article is written for educational purposes and to share professional experiences. All names, values, and timelines have been modified to maintain the confidentiality of the parties involved. The information contained herein is not intended as legal, technical, or claims underwriting advice, and results may vary depending on the policy conditions and the specific circumstances of each individual event.
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DON’T WASTE YOUR TIME AND SECURE YOUR FINANCES AND BUSINESS WITH THE RIGHT INSURANCE.
HOTLINE L&G 24 JAM: 0811-8507-773 (PHONE – WHATSAPP – SMS)
Website: lngrisk.co.id
Email: halo@lngrisk.co.id
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