\u00a0<\/span><\/p>\nThroughout this article, we\u2019ll review real-life examples, hidden risks in vehicle transportation, and insurance protection tips and advice that can help you avoid significant losses.<\/span><\/span><\/span><\/p>\n <\/p>\n
Why did the car fall into the sea?<\/span><\/span><\/span><\/h3>\nVehicle falls into the sea can be caused by a variety of factors, including technical errors and human errors. These include:<\/span><\/span><\/span><\/p>\n\n- Human error in ferry loading and unloading<\/span><\/span><\/span><\/li>\n
- Extreme weather such as strong winds causing cars to skid<\/span><\/span><\/span><\/li>\n
- Stopping in the port area in case of brake system failure<\/span><\/span><\/span><\/li>\n
- The boat was rocking because of the storm and the car was not locked properly.<\/span><\/span><\/span><\/li>\n
- Criminal theft resulting in car being dumped in the sea<\/span><\/span><\/span><\/li>\n<\/ul>\n
Each of these causes carries different legal and financial implications. Without proper vehicle insurance and protection, the owner could face a total loss with no compensation.<\/span><\/span><\/span><\/p>\n <\/p>\n
Does car insurance cover these risks?<\/span><\/span><\/span><\/h3>\nAs explained in the text, standard auto insurance does not usually cover vehicle falls into the sea unless there is relevant extended coverage. In most motor vehicle policies, such accidents are classified as “accidental damage” or “natural acts”, depending on the specific cause.<\/span><\/span><\/span><\/p>\nHowever, common extensions include:<\/span><\/span><\/b><\/p>\n\n- Increased risk of damage from hurricanes, floods and storms<\/span><\/span><\/span><\/li>\n
- Expanded maritime transport accident insurance<\/span><\/span><\/span><\/li>\n
- If the loss is caused to others, third party liability insurance (TPL) is required.<\/span><\/span><\/span><\/li>\n<\/ul>\n
\ud83d\udcccFive <\/span><\/span><\/span>Italian Records <\/span><\/span><\/b>Some insurance companies consider a vehicle that has fallen into water as a “total loss”, which means that the claim amount can reach the full insured value. However, this depends largely on the cause of the accident and the results of the investigation.<\/span><\/span><\/span><\/p>\n <\/p>\n
Case Study: When a car falls into the sea, it’s more than just a story<\/span><\/span><\/span><\/h3>\nCase 1: Car falls into water on ferry<\/span><\/span><\/span><\/h4>\nIn 2023, at Ketapang-Gilimanuk Port, a private car slid into the sea because the handbrake was not pulled while waiting to board a ship. Fortunately, no one was injured, but the loss was as high as 400 million rupiah.<\/span><\/span><\/span><\/p>\nThe investigation revealed that insurance coverage did not extend to marine transportation and the claim was therefore rejected.<\/span><\/span><\/span><\/p>\nCase 2: Logistics vehicle falls during loading and unloading<\/span><\/span><\/span><\/h4>\nA truck belonging to a shipping company fell into the sea while loading and unloading cargo at Tanjung Priok Port because the safety rope could not withstand the huge waves.<\/span><\/span><\/span><\/p>\nFortunately, the company has purchased vehicle and marine cargo insurance, so all losses can be claimed.<\/span><\/span><\/span><\/p>\n <\/p>\n
Proper insurance coverage advice<\/span><\/span><\/span><\/h3>\nHere are some insurance suggestions you can consider to prevent this from happening:<\/span><\/span><\/span><\/p>\na. Motor vehicle insurance (including marine risk expansion)<\/span><\/span><\/span><\/h4>\nAsk your broker or insurance company to provide special insurance for marine transportation risks (handling or transportation).<\/span><\/span><\/span><\/p>\nb. Marine Cargo Insurance<\/span><\/span><\/span><\/h4>\nIf your vehicle is transported by sea (e.g. roll-on\/roll-off), it is highly recommended that you purchase marine cargo insurance. This type of insurance usually covers:<\/span><\/span><\/span><\/p>\n\n- Losses caused by shipwreck<\/span><\/span><\/span><\/li>\n
- Damage caused during loading and unloading<\/span><\/span><\/span><\/li>\n
- Other risks during transportation<\/span><\/span><\/span><\/li>\n<\/ul>\n
c. All risks (including natural disaster extended insurance)<\/span><\/span><\/span><\/h4>\nComprehensive insurance can be extended to include coverage for storms, floods, hurricanes, and even tsunamis. While not all policies cover this, some situations may qualify for coverage under this policy.<\/span><\/span><\/span><\/p>\n <\/p>\n
Who is responsible? Legal review and liability<\/span><\/span><\/span><\/h3>\nIf the car went overboard under the supervision of a third party (such as a port or ferry operator), it will be necessary to review who is legally responsible:<\/span><\/span><\/span><\/p>\n\n- If the fault lies with the operator, <\/span><\/span><\/b>the owner can file a claim. However, the legal process may take some time.<\/span><\/span><\/span><\/li>\n
- If the car owner is negligent <\/span><\/span><\/b>, all responsibilities shall be borne by the car owner and cannot claim compensation from the operator.<\/span><\/span><\/span><\/li>\n
- Third Party Liability <\/span><\/span><\/b>Insurance (TPL) <\/span><\/span><\/span>becomes very important in this situation to avoid long-term financial conflicts.<\/span><\/span><\/span><\/li>\n<\/ul>\n
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How to claim compensation if this happens?<\/span><\/span><\/span><\/h3>\nIf this happens to you, here is the general process for filing a claim:<\/span><\/span><\/span><\/p>\n\n- Record events <\/span><\/span><\/b>(photos, videos, chronological order)<\/span><\/span><\/span><\/li>\n
- Call the police <\/span><\/span><\/b>and file a formal report<\/span><\/span><\/span><\/li>\n
- Contact the insurance company <\/span><\/span><\/b>within 3×24 hours after the incident occurs<\/span><\/span><\/span><\/li>\n
- Submit supporting documents such as:<\/span><\/span><\/span>\n