Insurance Tips: What would happen if you crash your car into a divider/separator?
Accidents involving vehicles hitting busway separators are becoming more and more common. The causes are various, apart from lack of concentration on the road, there is also the possibility that the separator is not very visible if the driver is driving at night.To avoid this,reduce the speed. Especially if you drive at night or in rainy weather. Drivers should slow their speed and avoid any sudden directional changes when driving on a slippery road. Use extra caution when driving over bridges or overpasses. Obey speed limits, safe driving distances and applicable traffic signs. Then will your Vehicle Insurance cover a vehicle accident that hits a road separator? According to the Indonesian Standard Motor Vehicle Insurance Policy, any loss and/or damage to Motor Vehicle and/or interest insured directly caused by collision, impact, overturning, skidding or falling . Protect your vehicle now! Call Sahabat Insurance at 021-50508080.
What is Own Risk?
Hi, Sahabat! If you have vehicle insurance, you must recognize some insurance terms so as not to get confused.
When purchasing a vehicle insurance product, you will be introduced to the term Own Risk (OR). Own risk can be interpreted as payment of compensation costs made by the vehicle owner or the insured for any loss and or damage that occurs when submitting a claim. If you do this, it means that you already know your responsibilities as a vehicle owner. As a form of your sense of responsibility to always be careful when driving. The standard, in accordance with OJK Letter No. 6 of 2017 stipulates that the current OR fee is a minimum of IDR 300,000 per incident.
Please note, standard car insurance policies actually only cover loss or damage caused by accident, collision, impact, overturning, slipping, or falling; evil deeds; theft; as well as fire and all risks covered by the motor vehicle insurance policy. However, if due to a disaster caused by natural disasters such as rain, flood, tsunami, hurricane, hail, tsunami, a product is provided in the form of an extension to protect your car from the causes mentioned above.
If you want to get further explanation regarding self-risk calculation or car insurance closing procedure through Sahabat Insurance Customer Service Online, we are happy to answer your questions via our hotline at 021-50508080 or Whatsapp at 021-50508080.
ANANDA Travel Insurance
ANANDA Travel Insurance from Sahabat Insurance provide protection against risks when traveling to wherever your destination is in the form of reimbursement of medical costs, personal accidents, flight delays, loss of baggage and various other benefits.
• Guaranteed Acceptance
• Protecting Domestic & International Travel
• Compensation for death due to accident starting from Rp. 25,000,000,- up to IDR 100,000,000,-
• Reimbursement for flight delays
• Compensation for lost baggage and various other benefits.
Requirements and Procedures :
• The Prospective Insured who is represented by an Insurance Broker, Agent or Insured can directly fill in the Application for Insurance Closure (SPPA) for Legal Liability Insurance products
• Submit a photocopy of your KTP/Passport/SIM for Indonesian citizens and KITAS/KITAF for foreigners and NPWP
• The Prospective Insured will receive confirmation whether it meets the requirements and if so, The Prospective Insured will receive an insurance offer, terms and conditions along with the product premium rate to be paid.
Terms and Condition apply. For more info please call 021-50508080.
What to do after a car accident
When you get into a car accident, there are certain steps you may want to take in order to help make sure everyone is safe, to follow the law and to get the insurance claim process started.
First, check your car and the passenger. If your car is safe to drive and is causing a hazard where it is, pull it to the side of the road. Otherwise, leave it where it is and get yourself to safety.
Second, if you're injured, call police or ambulance, secure the vehicle and ask for help. If you're seriously injured, try not to move, and wait for emergency personnel.
Third, notify your insurer and start the claims process. Call the insurance maximum 5 working days.
An accident can leave even the most seasoned driver frazzled, but following these steps may help protect you from unnecessary worries. That way, you can focus on working with your insurance company to get your vehicle repaired as smoothly and as quickly as possible.
Call us Sahabat Insurance for more info 021-50508080.