Liga Asuransi – Dear readers, how are you? See you again at the forum for various information about risk management and vehicle insurance.
As we all know, nowadays vehicles are needed to support daily activities.
Having a car as a personal vehicle is, of course, very profitable. Private cars are also often included in the list of valuable assets. The reasons are various. It could be because it is a witness to life’s journey, and it could also be because it is a gift from a loved one.
However, you must know the importance of car insurance to protect your favorite vehicle from unexpected risks.
On this occasion, we invite you to discuss why it is important to have insurance for your personal vehicle.
If you are interested in this article, please share it with your colleagues so they can understand it just like you.
What is Vehicle Insurance?
As you already know, car insurance is a form of protection or protection product that can guarantee a loss, damage, or loss of a motorized vehicle due to a risk that befalls your car.
This is why everyone needs to have car insurance because this insurance is not only a means of compensation in the event of an accident but also a maintenance investment.
You can use this insurance for new or used cars by paying cash as a protection solution.
The protection that can be provided is vehicle insurance. In the world of insurance, there are two types of vehicle insurance: comprehensive insurance and total risk-only insurance (TLO).
Both of these insurances have differences that form the basis of the assessment of deficiencies and advantages. TLO insurance is somewhat less in terms of premiums, but in terms of coverage, comprehensive insurance is superior with a broader range.
Before you choose the right insurance, there are several things and advantages you need to know if you have car insurance, including:
- Covering Repair Costs If Damage Occurs
Vehicles will be damaged if you don’t take care of them properly. In the case of car damage, insurance can help cover repair costs when the car is damaged for various reasons. It could be due to fire, other people’s evil/fad deeds, and other consequences.
For the claim process, the insurer has worked with various repair shops throughout Indonesia to simplify the claim process to repair damaged cars.
- Early Protection If a Car Has an Accident
We certainly never want something terrible like an accident to happen. However, in mobility on the road, sometimes we cannot avoid it when there are factors that can increase the risk of an accident.
So, for early protection, car insurance is needed. Vehicle insurance can be used as a convenience for the post-accident car repair process.
- Providing Protection in the Event of a Loss
The crime rate is relatively high in Indonesia, making us “familiar” with various criminal acts. One of them is car theft. The risk of losing a car due to theft can happen to anyone and anywhere.
For those who have a private car, this is a disaster that must be anticipated. In addition to ensuring that the vehicle is safe when parked, avoiding vulnerable points of criminal behavior on the streets, and preparing vehicle insurance.
By having car insurance, you can provide extra protection if this disaster occurs. However, submitting claims and reimbursing the protection must be readjusted to the type of insurance chosen.
Usually, in submitting a lost car claim, it would be better to complete it with CCTV and other evidence. In addition, this evidence can also be used as material for reports to the police as authorities.
In certain insurance products, replacement for a new car can be obtained as long as it meets the applicable terms and conditions.
- Helping Financial Plans
You want to avoid losses due to damage or loss of a car, right? Conditions such as damage, loss or other accidents usually reduce the emergency fund that has been prepared.
Unforeseen situations like these are sometimes burdensome, especially if you are preparing a budget for other needs.
Therefore, insurance can be a solution for better protection. By having car insurance, you can free yourself from the burden of extra costs that may have to be incurred at any time.
Thus, the financial expenses you have planned will not be disrupted, and your economic conditions will be more prepared.
- Overcoming Price Declines
If we look at it in general, when it comes to price matters, the resale price of a car will decrease. Especially if any part of the car is damaged. In order to avoid a drastic reduction in resale prices, providing car insurance from the start can be used as a solution. With specific terms and conditions, the insurer usually prepares protection in the form of a new replacement for the damaged part of the car.
- Free from Third Party Liability
In many accident cases, sometimes a driver who is not careful makes other drivers “involved” in the accident case. As a result, accidentally involved parties are also blamed and held accountable.
For cases like this, there is a complete insurance package that not only covers yourself and your private car but can also cover the cost of repairing third-party cars that are victims of accidents. Thus, the burden of fees to be paid will be lighter.
- Can Take Advantage of Additional Service Features
In addition to the main benefits, car insurance also generally provides additional service features such as for example, towing facilities if the car has a flat tire, breaks down due to running out of fuel, or other damage that requires repair facilities.
In addition, there is also a hotline service that can be contacted in an emergency when the car is experiencing problems or damage.
One of the best ways to get motor vehicle insurance coverage is to use the services of an experienced insurance brokerage company.
Insurance brokers will help collect data, process and make analyzes and statistics so that insurance programs can be created that can provide maximum benefits to owners and operators and bring benefits to insurance companies.
To get more information, please contact the leading insurance broker in Indonesia.
Source: https://www.indonesiana.id/read/155786/7-alasan-pentingnya-had-asuransi-kendaraan-for-mobil-private
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