How To Claim Motor Vehicle Insurance In Accordance With Its Type Of Responsibility

Illustration. (Photo: Doc. Antara)

YOGYAKARTA How to claim motor vehicle insurance is not complicated as long as you fulfill everything required by an insurance service provider company.

Quoted by VOI from the official website of the Financial Services Authority (OJK), Thursday, November 17, 2022, motor vehicle insurance is divided into two types, namely Comprehensive (All Risk) and Total Loss Only (TLO).

Comprehensive Insurance (All Risk), guarantees overall loss risks, both small and large losses including loss. Meanwhile, TLO only provides replacement guarantees if your vehicle experiences damage whose value reaches 75% of vehicle value and loss due to vehicle loss.

As mentioned above, all risk car insurance is an insurance type that guarantees the overall risk of loss. Therefore, all risk insurance is the product most chosen by motorized vehicle owners, especially those with luxury cars.

Compiled from various sources, how to claim motor vehicle insurance that you can do:

The first thing to do when you want to file an all risk insurance claim is to make documentation of the damage or losses that occur to your vehicle.

Next, make a report to the insurance company by showing evidence of damage or loss. Attach other supporting documents as well, such as photocopies of a driving license (SIM), STNK, policy book, and a certificate from the police (if necessary).

The next step is to contact the insurance agent and explain the chronology of the damage or losses suffered. If the claim is approved, the insurance agent will recommend a partner repair shop.

After obtaining a workshop recommendation, the next procedure is to fill out the form provided by the insurance service provider.

Fill in the form completely and make sure you have attached all the required documents for the car insurance claim.

If all the requirements have been met, the workshop will confirm with the insurance company. If your claim is received, the workshop will immediately repair your motor vehicle.

For more information, car insurance claims can be made even if you are out of town.

The application for TLO insurance claims can only be granted if motorized vehicles suffer total losses or exceed 75 percent.

The way the TLO motor vehicle insurance claims are as follows:

Cause of Asuransi Claims

There are several conditions that make applications for motor vehicle insurance claims, rejected by the company. Anything?

Here are some of the reasons why motor vehicle insurance claims are rejected:

That's information about how to claim vehicle insurance in accordance with its type.