Losses due to accidents can be covered by insurance, these are the conditions
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Even though we obey the rules, there are still some risks that we can find when driving, one of which is an accident. Using vehicle insurance can certainly protect your favorite car from damage due to an accident.
Head of Communication and Customer Service Management of Asuransi Astra, said that when referring to the Indonesian Standard Motor Vehicle Insurance 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, slipping. , or get stuck. However, the insurance company will first investigate the cause of the accident.
"Basically, the policy owner must understand in advance that the insurer will look at the cause of the accident, whether it is a risk that can be covered or including an exception," said Iwan in Jakarta.
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 4.2 at the time of the loss or damage, the motorized vehicle was driven by someone who does not have a license. Driving (SIM) which is still valid and in accordance with its designation as regulated in the laws and regulations concerning traffic; 4.3 driven by a person who is under the influence of alcohol, illegal drugs or any other harmful substance; 4.5 entering or passing through closed, prohibited, not intended for motorized vehicles or violating traffic signs.
Policy owners also need to know and pay attention to several things when they want to make a claim so that they are not 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 company, complete the required data, and then the surveyor team will check the vehicle.
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