Car insurance is divided into two types, total loss only (TLO) day comprehensive.
JAKARTA – The Indonesian National Police reported that during Operation Ketupat 2021 there were 1,291 cases of road accidents. This figure is up 100% compared to the previous year which amounted to 566 incidents.
At the same time, data from Land Transportation Statistics published by the Central Statistics Agency (BPS) shows, in the time span from 2015 to 2019, the growth in the number of traffic accidents in Indonesia has always increased by 4.87% per year.
This fact reminds that the risk of accidents is always there and can be experienced by anyone. To minimize financial losses in the event of an accident, it’s a good idea to have car insurance. Especially for those of you whose mobility is done in urban areas.
Researchers marketplace Lifepal insurance, Aulia Akbar, explained, broadly speaking, car insurance is divided into two types, total loss only (TLO) day comprehensive. Comprehensive or all risk will provide compensation if the customer’s vehicle suffers minor to severe damage or is lost.
Premiums from this insurance tend to be more expensive than TLO. However, insurance comprehensive this is proportional to the risk of driving in urban areas. The potential for traffic jams, scratches or dents due to crashing or being hit is quite large, especially if the car is actively used.
Insurance comprehensive, said Aulia, will bear the compensation for the above risks. However, it is necessary to extend the guarantee if the car is actively used and the owner lives in a city that has a high level of congestion.
“Consider choosing the extension of third party legal liability insurance. This additional protection is not mandatory. However, it seems very useful if you are quite active in driving every day,” Aulia said in a statement in Jakarta, Friday (28/5).
According to Aulia, the third party’s legal responsibility (TJH III) will be to cover losses caused by collisions, collisions, overturning, slipping, or fires caused by “other adjacent vehicles”. TJH III will also cover medical expenses for the event of bodily injury or death caused by the insured.
For example, a car driver accidentally hits a motorcyclist and is injured. If the car insurance has TJH III coverage, the motorcycle rider’s medical expenses can be covered by the insurance.
Not only that, TJH III will help policy owners to compensate for losses caused by policy owners. Let’s just say, a car driver crashes into someone’s car and the person in question demands compensation, then TJH III insurance can repair the damaged car.
“The existence of a TJH III guarantee can certainly avoid unwanted risks on the highway. Instead of having to fight in the middle of a traffic jam because a car has been hit, it is better to take care of it directly with insurance.” he said.
Next, consider choosing insurance that can provide replacement car facilities. It will be very difficult for you to do mobility if a claim is made for car repair. There’s nothing wrong with choosing insurance comprehensive which features a replacement car.
The replacement car facility certainly cannot be used continuously. The usage limit is usually around 5 x 24 hours.
Familiarize yourself with the procedures for using this facility. Coordinate together with insurance partner workshops regarding the process of repairing your car. This is certainly very useful for determining how long you will use the replacement car.
Accidents can certainly pose a risk of draining money. Not only because you have to pay for car repairs, but also post-accident maintenance costs. Some car insurance can provide compensation to ourselves or our families if we have an accident on the highway.
Don’t just focus on the workshop network. A large network of workshops can certainly be a plus for those of us who want to choose car insurance. However, also pay attention to the service service from the relevant workshop.
What happens if at any time our car undergoes repairs, but after the repair takes place, it turns out that there are still other damaged components? Or it could be that the repair is not up to standard at all. It can cause new problems in your personal car.
Choose a car insurance that provides a guarantee if there is a problem in repairing your car. A repair shop guarantee is needed so that you can always make sure the car you use is always in top condition.
– .
