Insurance Claim Challenges When a Transport Truck Breaks Down on Cikupa Industrial Road: The Role of Professional Brokers in Saving Operations

Unexpected Accident on Industrial Road

One afternoon in March 2025, Jalan Industri Cikupa, one of Tangerang’s most important distribution routes, was drenched by heavy rain since morning. The slippery road and heavy traffic created a high-risk combination for logistics fleets.

Container trucks owned byPT Nusantara Logistics(pseudonym), carrying 15 tons of electronic packages, industrial chemicals, and important documents, overturned on a steep bend. The driver,Mr. Arif, managed to escape without serious injury, but the truck and its cargo sustained significant damage.

Initial losses were estimated at Rp1.8 billion, including damage to trucks and goods. Furthermore, delivery delays threatened client confidence, with some export contracts nearly cancelled.

Frustration and Disappointment: Insurance Claims Not Immediately Disbursed

The company previously purchased Comprehensive Motor Vehicle Insurance (CMV) and Goods in Transit (GIT) policies. However, the claims process wasn’t as straightforward as expected:

• Verify the chronology of the accident: The insurance company asks for details of how the truck overturned, whether the driver complied with SOPs, and the road conditions at the time of the incident.
• Restrictions on certain goods: Some chemicals and documents are not covered by standard GIT.
• Losses due to late delivery: Not guaranteed as there is no BI or PL for distribution.

Operational manager,Mr. Rudi, expressing his frustration:

“We pay our regular premiums every month, but when an accident happens, it’s hard to get a claim. It feels like we’re all alone.”

This is a common experience for logistics entrepreneurs in industrial areas: many assume a CMV + GIT policy is sufficient, even though claims can be rejected if specific risks are not listed.

Important Fact: It’s Not Always the Insurance Company’s Fault

This disappointment is not solely due to the insurance company’s bad intentions, but rather the policy’s incompatibility with the actual risks.

• CMV covers vehicle damage due to accidents, but there are restrictions on the types of items carried.
• GIT protects goods in transit, but special goods such as chemicals require additional endorsements.
• Losses due to disruption of distribution or loss of contracts require Business Interruption or Public Liability.

Many entrepreneurs only realize the policy limits after an incident occurs, resulting in disappointment.

Economic and Operational Impact

This accident had significant consequences:

• Damage to truck and cargo: Rp1.8 billion
• Late delivery: Contract penalties and disappointed customers
• Alternative shipping cost: Rp. 200 million
• Potential loss of new contracts: if reputation is damaged

Total losses, both direct and indirect, can reach more than IDR 2 billion in just a few days. In the logistics industry, time is money. Every day of delay impacts revenue and customer trust.

Illustration of a Similar Case

This incident is not the first on Cikupa Industrial Road. Previously, there were incidents:

• TruckPT SatriaExpressrolled over due to brake failure, partially damaged electronic goods, claim only paid after 2 months because documents were incomplete.
• TruckPT Cargo Mandiriexperienced a minor accident, but additional distribution costs accumulated due to not having Business Interruption coverage.

This comparison demonstrates the importance of a professional broker who can assess risks, tailor policies, and ensure claims are processed smoothly.

The Role of Insurance Brokers: L&G Becomes the Savior

Following the incident, PT Nusantara Logistik contacted L&G Insurance Broker, headquartered in Bintaro, South Tangerang, just 30 minutes from the scene. The L&G team took the following strategic steps:

1. Transportation Risk Audit
   The team reviews driver SOPs, vehicle conditions, routes, loads, and types of goods to identify any risks not covered.
2. Optimal Policy Recommendations
   L&G has put together a more comprehensive policy package:

• CMV + GIT + Business Interruption + Public Liability
• Special endorsements for chemicals and electronic goods

1. Fast Claim Assistance
   The L&G team prepared all the chronological documentation, damage photos, driver SOP reports, and communicated directly with the loss adjuster. As a result, the claim was approved within three weeks, enough to repair the truck and some of the cargo.
2. Future Risk Mitigation
   Technical recommendations:

• Driver training and emergency SOPs
• Routine vehicle maintenance
• Fleet monitoring with GPS and load sensors

Positive Impact of Broker Assistance

With the assistance of a professional broker:

• Faster, more transparent and efficient claims process
• Financial losses can be reduced significantly
• Business operations continue, contracts are not disrupted
• Customer trust is maintained

This demonstrates the strategic value of insurance brokers, not just as policy intermediaries.

Human Values: Ethics and Caring

This incident teaches the importance of human values ​​in the midst of a crisis:

• Humility: Management recognizes the limitations of its knowledge about transportation risks.
• Patience: The claims process requires careful coordination and documentation.
• Kindness: Driver staff still receive moral and medical support even if they are not seriously injured.
• Temperance: Focus on operational recovery and fleet security.
• Charity (Care): Items that are still suitable for donation to those in need.

These values ​​are in line with the philosophy of L&G Insurance Broker, that insurance is not just a financial transaction, but also a social and moral responsibility.

Comparative Study: With and Without a Broker

Conclusion: Targeted Protection Saves Businesses

The truck accident on Cikupa Industrial Road emphasized:

1. Standard CMV + GIT is not always sufficient — special endorsements for high-risk items are required.
2. Business Interruption and Public Liability are important to maintain cash flow and reputation.
3. Professional brokers like L&G assess risks, tailor policies to your needs, and assist with claims processes to ensure a smooth process.

With its headquarters in Bintaro, South Tangerang, L&G is able to be directly present on site to monitor claims and mitigate risks, ensuring everything runs quickly and accurately.

“We were frustrated by the lengthy claims process, but L&G helped expedite the process and strengthen our fleet protection. Now our fleet is safer, and we know that a professional broker isn’t just a middleman, but a lifeline for our business.”
— Mr. Rudi, Operations Manager of PT Nusantara Logistik (pseudonym)

Disclaimer 

The names, characters, and events in this article are fictionalized for educational purposes. This article was created to help the public understand the importance of having and managing insurance properly. Any similarities to real events are purely coincidental and not intended to offend anyone.

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DON’T WASTE YOUR TIME AND SECURE YOUR FINANCIAL AND BUSINESS WITH THE RIGHT INSURANCE.

HOTLINE L&G 24 JAM: 0811-8507-773(CALL – WHATSAPP – SMS)

Website: lngrisk.co.id

Email: halo@lngrisk.co.id

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