Before using insurance services, it's good if you know some of the terms in it. One such as comprehensive, comprehensive is the type of insurance coverage that exists on motorized vehicles.
Understanding the terms of vehicle insurance aims so that in the future you don't misinterpret it. At this time you will read reviews related to comprehensive insurance.
Comprehensive Definition Is
There are two types of insurance for vehicles that you need to know, namely comprehensive ( all risk ), and total loss only or commonly called TLO. These two types certainly have different definitions, namely:
- Comprehensive ( All Risk ), namely guaranteeing the overall risk of loss, whether it's a small loss, to a large amount of loss.
- TLO , namely providing a replacement guarantee if the vehicle you own is damaged, and the value reaches > 75% of the total vehicle value. As well as losses due to loss of vehicles.
In the comprehensive type, you will get a guaranteed loss that will be borne by the insurer if you experience a loss due to partial damage, or commonly known as partial loss. As well as damage and total loss, or total loss .
The cause of loss is even broader in comprehensive meaning, namely with guarantees for riots, natural disasters, third party guarantees, and so on.
So with this type of comprehensive vehicle insurance, the risk of damage and loss can be guaranteed. The following are several reasons, how important it is to use comprehensive type of vehicle insurance!
The Importance of Using Comprehensive Insurance Is
According to data on the BPS website, the number of users of two-wheeled and four-wheeled vehicles has increased rapidly from year to year. Not only the number of users, but the number of accidents is also high.
Generally, the majority of accidents caused by traffic occur on roads. The causes are different, such as environmental factors, humans, and even the vehicle itself.
The occurrence of an accident will certainly cause considerable risk. If it is associated with unwanted things such as accidents, of course you will understand that using comprehensive type of vehicle insurance is very important.
So that if the vehicle you have is damaged, you can make an insurance claim according to the procedure from the insurer. And don't forget to comply with the validity of the insurance policy.
The use of insurance on vehicles in Indonesia is optional. Meanwhile, if you buy a vehicle using credit, insurance must be included.
The choice of insurance depends on the leasing place, then the party will provide a comprehensive type of insurance for the car that you have purchased.
However, usually the comprehensive award only has a period of one to two years for the first time. Then the insurer will switch the type to total loss only .
For holders of comprehensive type insurance, you can submit a claim in an easy way, especially if the car you have is experiencing damage.
If your car is damaged, you can immediately contact the insurance company to submit a repair claim. Then filing a comprehensive insurance claim will be made.
After your application is approved, you can take the damaged car to the repair shop. Filling out the form provided by the workshop is mandatory for you to fill out.
Then the repair shop will certainly repair your damaged car. You will greatly benefit, in addition to easy claim submission, insurance that will guarantee complete loss of damage to the vehicle.
