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Hello, welcome to <\/span>Liga Asuransi<\/span><\/a>! We’re delighted to welcome you back to our trusted information channel, covering various aspects of risk protection and insurance solutions for the business and transportation worlds. This time, we’re addressing a topic that’s quite extreme yet very real: <\/span>car plunged into the sea <\/b>during the shipping process. Cases like this are not only surprising but can also result in significant losses if not anticipated with proper insurance coverage.<\/span><\/p>\n This article has been published in the Insurance League with the title <\/span>“Car Falls into the Sea: Real-Life Examples, Protection Tips, and the Right Insurance Solutions \u2013 Insurance League”<\/span><\/i>. Click to read:<\/span> Through this article, we will review real-life examples, hidden risks in vehicle shipping, as well as insurance protection tips and recommendations which can help you avoid big losses.<\/span><\/p>\n <\/p>\n Incidents involving vehicles plunging into the sea can occur due to various factors, both technical and human error. Some of these include:<\/span><\/p>\n Each of these causes has different legal and financial implications. Without proper vehicle insurance and coverage, the owner could face a total loss without reimbursement.<\/span><\/p>\n <\/p>\n In the main article it has been explained that basically,Standard car insurance does not necessarily cover the incident of a car falling into the sea., unless there is a relevant extension of coverage. In most motor vehicle insurance policies, such events fall under the category of “accidental damage” or “natural disaster,” depending on the exact cause.<\/span><\/p>\n However, common extensions include:<\/b><\/p>\n \ud83d\udccc <\/span>Vital Records<\/b>: Some insurance companies consider a vehicle that fell overboard to be a \u201ctotal loss,\u201d meaning claims can reach the full insured value. However, this depends heavily on the cause of the incident and the results of the investigation.<\/span><\/p>\n <\/p>\n In 2023, at the Ketapang-Gilimanuk port, a private car skidded into the sea after failing to use the handbrake while waiting to board a ship. Fortunately, there were no casualties, but damages reached Rp 400 million.<\/span><\/p>\n The results of the investigation stated that there was no extension of insurance to maritime transportation, so the claim was rejected.<\/span><\/p>\n A truck belonging to a shipping company plunged into the sea while loading and unloading at Tanjung Priok port because the safety rope was not strong enough to withstand the high waves.<\/span><\/p>\n Fortunately, the company already has vehicle and marine cargo insurance coverage. All losses can be claimed.<\/span><\/p>\n <\/p>\n Here are some insurance coverage recommendations that you can consider to anticipate this incident:<\/span><\/p>\n Ask your broker or insurance company to include special coverage for maritime transport risks (loading\/unloading or shipping).<\/span><\/p>\n If your vehicle is being shipped via sea freight (such as a Ro-Ro ship), marine cargo insurance is highly recommended. This coverage typically covers:<\/span><\/p>\n All-risk insurance can be extended to include protection against storms, floods, hurricanes, and even tsunamis. While not all covers fall overboard, some scenarios may fall under this coverage.<\/span><\/p>\n <\/p>\n In the case of a car falling into water while under the supervision of a third party (such as a port or ferry operator), it is necessary to review who has legal responsibility:<\/span><\/p>\n <\/p>\n If you are facing a situation like this, here is the general procedure for filing a claim:<\/span><\/p>\n \ud83d\udccc Important: Make sure you read the policy extension terms and conditions carefully to avoid any surprises when making a claim.<\/span><\/p>\n <\/p>\n While a car falling into the sea may seem like a rare occurrence, the consequences can be significant. This can happen due to weather, negligence, or even when you’re not in the vehicle.<\/span> For additional information, you can read our basic articles:<\/span> To find the right insurance product, you can consult with a trusted broker. They will help you identify your needs, risks, and budget. Don’t underestimate extreme risks; the right protection can save you hundreds of millions of rupiah in losses.<\/span><\/p>\n
\n<\/span> \ud83d\udc49<\/span> https:\/\/ligaasuransi.com\/mobil-tercebur-ke-laut-apa-bisa-ditanggung-asuransi\/<\/span><\/a>\u00a0<\/span><\/p>\nWhy Do Cars Fall into the Sea?<\/span><\/h3>\n
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Does Car Insurance Cover These Risks?<\/span><\/h3>\n
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Case Study: When a Car Falls into the Sea, It’s Not Just a Story<\/span><\/h3>\n
Case 1: Car plunged into water while on a ferry<\/span><\/h4>\n
Case 2: Logistics truck falls during loading and unloading<\/span><\/h4>\n
Appropriate Insurance Protection Recommendations<\/span><\/h3>\n
a. Motor Vehicle Insurance with Marine Risk Extension<\/span><\/h4>\n
b. Marine Cargo Insurance<\/span><\/h4>\n
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c. All Risk Insurance with Natural Perils Extension<\/span><\/h4>\n
Who Is Responsible? Legal Review and Liability<\/span><\/h3>\n
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How to Claim If This Incident Occurs?<\/span><\/h3>\n
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Conclusion:\u00a0<\/span><\/h3>\n
\n<\/span>With the right insurance coverage and appropriate coverage extensions, you can minimize losses and have financial security.<\/span><\/p>\n
\n<\/span> \ud83d\udc49<\/span> Is insurance covering a car falling into the sea?<\/span><\/a><\/p>\n