Why car insurance claims are rejected?

Terakhir Diubah : 13:30:36 - Rabu, 03 November 2021

Not having a driver's license at the time of an accident is one of the possible causes for a claim to be rejected by Vehicle Insurance in addition to being late in reporting claims. Especially if you violate traffic and are negligent while driving. For more information about vehicle insurance claims, contact Sahabat Insurance at 021-50508080 #asuransi Sahabat

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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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How can I protect my home from flooding?

Home Insurance protects your home and possessions from fire, lightning, explosions, airplane crashes and smoke or abbreviated as FLEXAS (Fire, Lightning, Explosion, The Impact Of Falling Aircraft, And Smoke). In addition to home insurance benefits, you can add on an extention benefit that protects your home damage due to floods, storms, hurricanes and water damage.
You can contact Sahabat Insurance at 021-50508080 for further information.
(Source: sikapiuangmu.ojk.go.id)

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Motorcycle safety tips

Motorcyclists must be mindful of their surroundings and the other cars around them. The flow of traffic can change at any moment. Even small distractions can lead to serious injuries. It is important to drive safely because it can save your life.
1. Preparing the vehicle
Before you use a motorcycle, you should prepare your vehicle starting from checking all vehicle components, such as tires, lights, and others.
2. Using safety equipment
In riding a motorcycle, it is important that you use safety equipment such as jackets, helmets, trousers, masks, gloves, shoes and so on. The use of such equipment will help you be protected during the trip.
3. Good driving attitude
In riding a motorcycle, you should have a good driving attitude where you sit on the motorcycle in a straight upright position but remain relaxed, make sure you look ahead, do not lift your legs to other places for any reason, do not ride more than one person and goods heavy baggage.
4. Keep your distance when driving
When you ride a motorcycle, make sure you use a certain speed in every condition. You have to adjust the speed according to the conditions. And keep in mind don't forget to keep your distance while driving. Keeping your distance will help you from accidents or collisions due to sudden braking.
To minimize this, as a smart driver, you should observe your driving speed and adjust it to the distance in front of you. The higher the speed you use, the longer the distance that needs to be prepared.
5. Stay focused and alert
When driving, you should stay focused and alert while driving. Many motorists feel confident about their driving abilities, they sometimes feel that accidents are impossible. However, it should be noted that such an attitude will create carelessness and carelessness. Keep in mind that no matter how good you drive, you still need to be focused and alert.
6. Obey traffic rules and signs
The most important thing in driving is to obey all traffic rules and signs along the way. Use the turn signal when you are about to turn. Make sure you obey all traffic rules and signs.

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What to Know About Lending Your Car

There are times you may want to help out a friend, or may not be in a state to drive yourself. It’s normal to want to lend you car, or let someone else drive. But, unfortunately, Vehicle Insurance can deny policyholders’ claims if your friend/family /driver is at fault for the accident or stolen car. Vehicle Insurance can deny your claim if your friend/family/driver were in violation of state law when the accident happened. One example of that would be driving without a valid license. Another is if you were driving while intoxicated.
If the car is lend to a friend, driver or family according to your permission and approval, then when the car is lost, commits a crime or is damaged in an accident, Vehicle Insurance can reject the claim according to the Indonesian Motor Vehicle Insurance Standard Policy Chapter II article 1.3 concerning Exceptions, article theft and/or malicious acts committed by: spouses, children, parents or siblings of the Insured; people working for the Insured, people with the knowledge or with the consent of the Insured. For info about Vehicle Insurance please call Sahabat Insurance 021-50508080.

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