Tips for Driving in the Rain

Terakhir Diubah : 02:59:39 - Friday, 02 December 2022

Driving in rain, whether a sprinkle or a heavy downpour, can be one of the most difficult driving situations a driver encounters. If it’s been raining heavily, you need to be careful as you drive and not hit puddles at spend. Rainy day increase the risk of Aquaplaning.

Aquaplaning or hydroplaning by the tires of a road vehicle, when a layer of water builds between the wheels of the vehicle and the road surface, leading to a loss of traction that prevents the vehicle from responding to control inputs. If it occurs to all wheels simultaneously, the vehicle becomes, in effect, an uncontrolled sled or an accident.

The best strategy is to avoid contributors to aquaplaning. Proper tire pressure, narrow and unworn tires, and reduced speeds from those judged suitably moderate in the dry will mitigate the risk of aquaplaning, as will avoidance of standing water or flood.

For more information about car insurance please call Sahabat Insurance at 021-50508080 (call/WA).

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Sahabat Insurance and BNI Multi Finance exhibition

PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) and BNI Multi Finance held an exhibition on 10 – 16 April 2023 at the Grha BNI Building, Jakarta. For more information about car insurance please call 021-50508080.

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Factors Affecting Your Car Insurance Premium

Type of Coverage and Insurance Extension
The premium amount will be influenced by the type of coverage and also the insurance extension you choose. Generally, there are two types of coverage that you need to know, Comprehensive and Total Loss Only (TLO). With different types of insurance coverage available, the resulting premium is going to be affected. A comprehensive package with numerous features will naturally cost more than a lower-tier option. The same goes for optional extras, should you wish to add them on to your existing policy.
When buying insurance, it's crucial to carefully consider the coverage limits and ensure they align with your potential risks and needs.

Vehicle Age
The age of a vehicle is a key factor in determining car insurance premiums, both for comprehensive and Total Loss Only (TLO) policies. The Financial Services Authority (OJK) regulates which vehicles are eligible for comprehensive and TLO insurance in Indonesia.

Location
Motor Vehicle Insurance premiums are indeed affected by the area where the vehicle is primarily used. Insurance companies assess risks based on location, with areas experiencing higher accident rates, theft, or severe weather events often resulting in higher premiums.

Vehicle Usage
Car insurance premiums are indeed calculated based on risk, and vehicle usage is a significant factor in determining that risk level. Cars used for different purposes, like private, official, or commercial use, have varying levels of risk, and this is reflected in the premiums charged by insurance companies.

Always double check every policy guarantee and insurance premium offer according to your needs. Contact Sahabat Insurance marketing team for more info via WA 021-50508080.

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After The Accident

When an accident occurs, sometimes we panic and don't know what to do.

Check out Sahabat Insurance's safety tips in the event of an accident on the road:

1. Immediately pull over to the side of the road to avoid the flow of traffic and reduce the risk of accidents or collisions.

2. Turn on the hazard lights and check passengers and yourself for injuries. If necessary, immediately call emergency services or paramedics.

3. Photo of the scene and vehicle for proof of claim to insurance.

4. Meet the driver of another car who was in an accident, look for witnesses from several residents or pedestrians who saw the incident.

5. Exchange insurance information. Take notes, take photos and save them on your smartphone or a piece of paper. If the driver of another car does not have insurance, write down the name, driver's license number, license plate number, address and contact number.

Call us at 021-50508080 for information about vehicle insurance.

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What Do I Do If My House Floods?

Flooded house? This is what you should do. Turn off the electricity when there is a flood, if the flood has subsided, clean the house immediately. It is important to dispose of items that cannot be saved immediately to prevent mold and bacteria from growing. Do not wait long, immediately clean with clean water to remove mud and soil, if the flood brings garbage, clean the floor with a solution of bleach or antiseptic.

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