Does Car Insurance Cover Landslides?

Terakhir Diubah : 09:18:35 - Kamis, 15 Desember 2022

Aside from the danger of flooding, heavy rainfall can also lead to mudflow, basically creating a river of mud; and landslides, which are caused by the movement of the destabilized land—due either to gradual erosion or an accumulation of water. Does your auto insurance policy provide coverage for landslides?

Insurance shall not cover any loss of, damage to and/or expense incurred in Motor Vehicle and/or legal liability against any third party directly or indirectly caused by, as a consequence of, resulting from: earthquake, volcanic eruption, windstorm, tempest, tsunami, hail, flood, inundation, landslide or other geological or meteorological symptoms (Motor Vehicle Insurance Standard Policy in Indonesia chapter 2, Exclusion, article 3, point 3.2).

Like flood, however, earthquake and landslide is excluded from standard car insurance policies—you must buy the coverage separately. Please call 021- 50508080 for more information.

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Ramadhan Charity With Sahabat Insurance

On April 14 2023, Sahabat Insurance visited and donated to the Orphan and Dhuafa Al Ikhwan Islamic Boarding School in Bekasi Regency, West Java.

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Get acquainted with the Guiding Block!

Some people, especially those living in urban areas, are familiar with the yellow line across the sidewalk, the line is not a decoration but a guiding block for blind pedestrians.

In the language of guiding block, it means the blocks to guide the way. This facility was built as an effort by the government to provide access for blind people to be able to walk independently following the yellow line. The installation of guiding blocks must be correct considering that each texture that appears on the blocks has its own meaning. In general, there are two types of guiding blocks, namely lines (line type) and dots (spot type).

For the long line means to show the visually impaired to go on. Meanwhile, the type of the dots is a stop or there are obstacles and turns ahead.

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The functions of the hazard lights

1. Use in an emergency
In accordance with the Law on Road Transport Traffic (LLAJ) Article 121 paragraph 1, every motorized vehicle driver is required to install a safety triangle, a hazard warning signal light, or other signals when stopping in an emergency situation on the road. For example, your vehicle stops due to an emergency during a breakdown, a traffic accident, or other conditions such as a tire that needs to be replaced. If you are in an emergency situation, then immediately pull over and press the hazard lights.
2. As a warning sign
The next function of the hazard light is as a warning sign. While driving on the road, there are times when you meet an emergency situation that can threaten your safety.
For example, your brakes don't work, or someone suddenly crosses the road, or other conditions that require you to stop suddenly in the middle of the road.
3. Not for Use in Bad Weather
A misunderstanding about the function of hazard lights is to use them in bad weather such as heavy rain or heavy fog.
Turning on the hazard lights when the weather is bad can actually endanger safety. This is because when the hazard light is active, the automatic turn signal cannot function. If you want to give a turn signal, the vehicles behind you will have a hard time understanding it.
4. Not a signal when entering the tunnel
Turning on the hazard lights when entering the tunnel should be avoided. The hazard light signal will actually confuse the driver of the motor vehicle behind you. When entering a dark tunnel or passage, simply turn on the main light or evening light to maintain visibility.
5. Not for convoys
There are still many car drivers who misinterpret the use of hazard lights. One of them is to use hazard lights during convoys or convoys.
It can be concluded that the actual hazard light function should only be used in an emergency, such as when an accident occurs or the car suddenly breaks down. Avoid turning on hazard lights without a clear situation because it can endanger safety.

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Working From home

If you are looking for a job that will allow you to work from home, maybe these 5 jobs you can consider becoming a profession:
1. Vlogger, you must be good at finding ideas to always create content that your community or audience likes through YouTube or other social media platforms
2. E-commerce business, selling does not need to have a shop or market, you can do it at home
3. Webinar resource person, as a speaker you must also have skills or a qualified background to hold webinars or online seminars
4. Creative, choosing a profession as an animator, graphic designer or photographer makes you more free to determine your working hours
5. Freelance writer. Nowadays, the services of a writer are increasingly needed for various purposes, from writing news articles, content, to creative writing on websites.
So many possibilities to make a profession by working from home. As technology develops, new jobs will appear outside of the conventional jobs that we know so far. For the safety of working from home, don't forget to insure your home or property from the possibility of being exposed to the risk of fire. Contact Friends of Insurance at 021-50508080

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