Insurance Tips: What would happen if you crash your car into a divider/separator?

Terakhir Diubah : 04:04:08 - Thursday, 18 August 2022

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.

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Parking: Shift to “P” Or Pull the Handbrake First?

The parking brake is essential to your safety and those around you. If you have an automatic gearbox, apply the handbrake first, then put it in P. This ensures that the car’s weight isn’t resting on the parking pawl. If you don’t use the handbrake, you’ll be putting constant pressure on the parking pawl and transmission components which will eventually fail, leading to costly repairs.

Your car’s brakes are controlled by something called a parking pawl.The parking pawl locks the transmission's output shaft to the transmission casing by engaging a pawl (a pin) that engages in a notched wheel on the shaft, stopping it (and thus the driven wheels) from rotating.When you shift into “P” first, the weight of the car rests on that tiny metal bit we call the parking pawl. That’s not great. When you do this, you will hear the unpleasant “clunk” when shifting out of “P” later.

If you have an automatic transmission, apply the handbrake first, then put it in P. Shifting to 'P' before pulling the handbrake is how you damage your automatic transmission.

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Flood Damaged Cars & Insurance Cover

In the wake of natural disasters like floods, one of the most significant losses individuals face is damage to their vehicles. Floodwater can wreak havoc on cars, leading to substantial repair costs or even rendering them irreparable. Understanding how flood-damaged cars are handled by insurance companies is crucial for vehicle owners to navigate the aftermath effectively.

The climatic condition can be very unpredictable due to pollution, cutting of trees, etc. Further, unplanned development and inefficient drainage systems also lead to flood-like conditions in many cities. The best action is to take a review your car insurance plan to protect your vehicle from monsoon miseries.

Protect your vehicle with flood car insurance. Learn how to shield your car from floods and ensure comprehensive protection. Get covered today!Sahabat Insurance customers can reach out to us at 021-50508080 or email us [email protected]

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Motor Vehicle Insurance: Comprehensive vs TLO

Car insurance is an essential solution for vehicle owners, especially as traffic conditions become more congested and driving risks continue to increase. Whether your car is being used daily or parked at home or at work, the risk of accidents, damage, or theft is always present and often unpredictable.

With car insurance from Sahabat Insurance, you can drive with greater peace of mind knowing your vehicle is well protected.

Why Is Car Insurance Important?

Even if you drive carefully, unexpected incidents may still occur at any time. Car insurance helps protect you from costly repair expenses and financial losses caused by accidents or vehicle theft.

Today, car insurance products are widely available at affordable premiums. When compared to the benefits and coverage provided, the cost of car insurance is well worth the protection and security you receive.

Types of Car Insurance You Should Know

Before choosing a car insurance policy, it is important to understand the available coverage options.

1. Total Loss Only (TLO) Insurance

Total Loss Only (TLO) insurance provides coverage for total loss of your vehicle due to theft or severe damage. A loss is considered total if the estimated repair cost reaches or exceeds 75% of the vehicle’s market value immediately before the incident.

Please note that TLO insurance does not cover minor damages such as small scratches or dents. These types of repairs remain the responsibility of the vehicle owner.

2. All Risk / Comprehensive Insurance

All Risk or Comprehensive insurance offers broader and more complete protection. This type of coverage includes minor damages such as scratches and small dents, as well as major damages caused by serious accidents or vehicle theft, as long as they are stated in the policy.

Comprehensive insurance from Sahabat Insurance can also be enhanced with additional coverage, including:

* Protection against natural disasters such as floods and earthquakes
* Coverage for riots and civil disturbances
* Third-party liability coverage if an accident causes injury or damage to others

These extended protections help ensure your vehicle is safeguarded against a wide range of potential risks.

Choose the Right Car Insurance for Your Needs

By understanding the differences between car insurance types, you can select the coverage that best suits your vehicle and lifestyle. Sahabat Insurance is committed to helping you find reliable and effective car insurance solutions tailored to your needs.

For more information about car insurance products, premiums, and coverage options, contact Sahabat Insurance at 021-50508080 and get the best protection for your vehicle.

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What to Do If You Put the Wrong Fuel in a Car

What to Do If You Put the Wrong Fuel in a Car

The error is usually when a diesel-fueled car is filled with gasoline, or sometimes vice versa. If you have filled the wrong fuel, you don't need to worry, because there is still a solution. Leave your engine switched off and avoid putting your key in the ignition. Do not start the vehicle engine and immediately drain the fuel.

Your fuel tank needs to be drained before you drive the car. The petrol will act as a solvent, damaging the fuel pump and other parts of the fuel system. If left unchecked, this could mean a costly repair of your car's fuel system, or a complete replacement of the fuel pump, diesel injectors, filters and fuel tank.

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