Accidents are certainly things that everyone wants to avoid, but the risk of accidents cannot be predicted when and where. The main factor in the occurrence of accidents is due to human negligence, although the risk of accidents can be reduced by increasing safety while driving. However, it is understandable that this factor does not only come from you but can also come from other people, the consequences of other people's negligence can have a bad impact and pose a risk to you. Therefore, it is important that you choose and have the best car insurance agent.
Vehicle insurance is a special type of insurance for vehicles such as cars, trucks, buses, motorbikes, etc. that protects you from the risk of loss due to various risks such as accidents, damage, natural disasters, to riots, where your losses will be transferred to the insurance company or insurance company.
Comprehensive insurance is insurance that covers all loss or damage, both partial damage (minor damage and major damage) to loss. Comprehensive insurance is complemented by extended guarantees or additional insurance, including:
Riot & Riot - Riot
You will get a number of compensation for the damage caused to your vehicle as a result of riots or riots.
Terrorism & Sabotage
If your vehicle is damaged due to terrorism & sabotage, the insurance will cover your losses. However, you must also pay attention to what kind of incident your insurance is guaranteed.
Natural Disasters (Floods, Hurricanes, Earthquakes & Tsunamis, etc.)
If a natural disaster occurs that causes your vehicle to be destroyed / damaged, you will get compensation, for example floods, earthquakes, volcanic eruptions, storms, and all kinds of other natural disasters that are guaranteed by insurance, including if your vehicle is hit by a fallen tree. However, insurance may not compensate for your losses if there are deliberate factors, for example, you already know the road you are going to go through is flooded but you still break through it.
Third Party Guarantee
This is a term of compensation given to another party. Suppose you hit someone else's car and that person demands compensation. The insurance company will indemnify in accordance with applicable regulations. But if you find that you are drunk (breaking the law) while driving, the insurance has the right not to compensate you.
Driver's Personal Accident Guarantee
Protection provided to drivers such as reimbursement of hospital fees, compensation for permanent disabilities and death in the event of an accident while driving.
Passenger Personal Accident Insurance
Protection provided to passengers such as reimbursement of hospital fees, compensation for permanent disabilities and death in the event of an accident while driving.
Total Loss Only insurance is insurance that only covers losses due to loss (theft) of vehicles or in case of damage due to accidents reaching more than 75% of the price of the vehicle. So total loss only insurance will not provide coverage for minor damage to the vehicle.
It should also be noted that both Comprehensive Insurance and Total Loss Only Insurance for each claim will be subject to its own risk cost (OR), which is the amount of costs that must be incurred by the customer every time an incident occurs when submitting an insurance claim.
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