What To Note To Ensure Our Accident Insurance Is Covered

Photo illustrations (Source: Pexels)

JAKARTA - Basically obeying traffic rules and making sure the driver and car are in good performance are the main things when you want to drive. However, in fact, there are several risks that we can find when driving, one of which is an accident.

Using vehicle insurance can certainly protect your favorite car from accidental damage. This is because the insurance function can relieve when a risk occurs to him or the insured object.

Head of Communication and Customer Service Management of Asuransi Astra, said that when referring to the Indonesian Motor Vehicle Insurance Standard Policy (PSAKBI) article 1 paragraph 1.1, accidents are included in the guaranteed risk because they are classified as losses and/or damage caused by collisions, collisions, slips, or get stuck. However, the insurer will first explore the cause of the accident.

"Basically, the policy owner must understand in advance that the insurance company will look at the cause of the accident, whether it is a risk that can be covered or including an exception," said Iwan, quoted from an official statement, Sunday, November 7.

Make sure the driver and vehicle are in top condition. In addition, the most important thing is to obey traffic rules such as obeying the vehicle speed limit, choosing a predetermined vehicle path, and keeping a distance from other vehicles. Insurance is ready to bear losses due to accidents as long as the policy owner has complied with the applicable rules.

As stated in PSAKBI article 3 paragraph, this insurance does not cover loss, damage and/or costs for motorized vehicles and/or third-party legal liability if, at the time of loss or damage, the motorized vehicle is driven by someone who does not have a driving license (SIM) which is still valid and in accordance with its designation.

This is also regulated in the applicable traffic laws and regulations. Another condition that makes the insurance invalid is if driven by a person who is under the influence of alcohol, illegal drugs, or any other dangerous substance, enters or passes through a closed, prohibited road, is not intended for motorized vehicles, or violates traffic signs.

Policy owners also need to know and pay attention to several things when they want to make a claim so as not to be rejected by the insurance. When an accident occurs, the policy owner is obliged to immediately report the details of the incident and damage to the insurance, complete the required data, and then the surveyor team will check the vehicle.