Be Careful, Claims Can Be Rejected Due to Overloading
Why are vehicle insurance products currently being talked about more and more in the community? Because, this insurance itself is very helpful to reduce expenses.
If calculated in one year, the cost of even minor car repairs can be quite large, especially if the repairs are large.
But keep in mind, not all insurance claims are accepted by the company. One that often experiences rejection is when the vehicle is damaged due to overload.
For example, the capacity of the car should be 8 people, but it is used to carry 10 people, so the damage cannot be claimed.
What is the solution if the claim is rejected?
If the claim submitted is rejected by the insurance company, you inevitably have to bear the repair costs that have been paid to the partner workshop.
It's important to pay attention to any damage that falls into the company's replacement category, so don't just claim it.
If in fact the damage that occurs to the vehicle is currently beyond the provisions in the policy, you do not need to bother preparing documents for a claim. The claim is definitely rejected.
Confused about finding the best and cheapest car insurance? Risdosagalav has a solution!
Want to Buy the Right Insurance? This is the tip
Although insurance is intended to protect the vehicle from risks that occur in the middle of the trip, not all companies offer maximum benefits. It is important to choose the right insurance according to the needs of the vehicle. Here are the tips.
1. Ask the recommendations dealer for
When buying a car from a dealer, you can ask for recommendations from the insurance company that has the best performance. Dealers must have some recommendations for places where they and the buyer insure the car.
Suggestions from dealers can be taken into consideration because many dealers have collaborated with insurance companies.
In order not to make the wrong choice, it would be nice again to take the time to find out information about the dealer in question on the internet. From search engines, you can find out about the ratings of the people who have become customers of the company.
2. Ask for recommendations from family or friends
If you don't trust the recommendations dealer's because of the long-standing cooperation, you can turn to asking the people closest to you for recommendations.
Call it family or friends who have long entrusted the protection of their favorite car to the insurance company.
Suggestions from family and friends are much more reliable because there is no cooperation between them. All ratings are based on personal experience when insuring a car.
Given the possibility of more than one company recommendation, it is also advisable to assess the company's performance from a personal point of view.
That way, you don't blame your family or friends for recommending the company if something goes wrong at the time of claiming.
3. Choose the one with a wide claim coverage area
Not all insurance companies are evenly distributed in Indonesia. Some are only available in big cities. So it is important to pay attention to the area distribution of the company in order to facilitate the claim process in the future.
This is important to consider, especially for those of you who frequently travel out of town on business. Do not let insurance benefits cannot be used because of the limited claim coverage area.
4. Choose an affordable premium
Premiums are another thing to consider before buying the right insurance for the vehicle. Choose premiums that are affordable in your pocket, so that the payment process is always smooth every year.
Smooth premium payments greatly affect the claim process. If the payment is stuck, there is a possibility that the claim submission process will take a long time because you yourself do not fulfill your obligations properly.
The worst possibility is that the insurance policy will lapse or be frozen by the company. As a result, the claim process is really hampered.
5. Make comparisons
When choosing vehicle insurance, you should not be easily swayed by seduction or the lure of benefits offered by insurance agents. Not all agents provide correct information.
There are agents who deliberately exaggerate the benefits of insurance to attract public interest, so they must be extra careful. It is better to ask the agent in question to think about it before deciding to become a customer.
During this time, you can use it to compare insurance products from one company to another. Thus, the possibility of making the wrong choice is smaller.
6. Expandable benefits
As a customer, you definitely want maximum protection for your vehicle. It is natural if at any time you want to expand the insurance benefits you get.
For example, from what used to only bear the cost of damage due to accidents, now it is expanded to include damage due to natural disasters, demonstrations, and so on.
This expansion can actually be done on condition that there is an additional premium fee. We recommend that you ask the company concerned for a more detailed calculation.
Meet Vehicle Protection Needs
It's not only yourself who need protection, but also your personal vehicle. Therefore, meet the needs of vehicle protection so that it is more optimal. The vehicle is protected, the bag is safe.
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