How to claim all risk car insurance
Having all-risk car insurance is indeed beneficial for various types of your car protection. You will avoid financial losses due to the huge repair costs even to the cost of losing the vehicle.
Even
so, having all-risk car insurance does not necessarily answer all the
protection needs of your car. This can happen because the claim that has been
submitted is rejected by the insurance company.
Not
because of a big thing, many rejections occur because the claims made have
passed the deadline for filing claims, or some of them provide information that
does not match the reality on the claim submission report form.
Therefore,
learning how to claim all-risk car insurance is something you must know as an
insurance policy holder, so that the claim submission made can be accepted by
the insurance company.
Here
is a general explanation of how to claim all-risk car insurance and some of the
things needed during the claim process.
1. Contact and report to
the insurance company
The
first step to make an all-risk car insurance claim is to contact and report the
incident that has just occurred so as to cause losses in the car to the insurer
who overshadows the protection of your car.
This
is necessary to avoid reporting delays that can abort insurance claims. Each
insurer has a different maximum time limit, generally 3 x 24 hours to 5 x 24
hours reporting time (see back at the insurance policy)
You
can contact the insurance agent who usually serves you or by contacting the
nearest insurance branch office at the scene (if the incident occurs outside
the city / far from where you live). That way you will get a more certain
direct direction regarding the claim submission process.
2. Prepare Proof of Damage
or Loss
After
contacting the insurance company, the next step that needs to be done for an
all-risk car insurance claim is to prepare proof of damage or loss.
For
example, in the event of an accident that makes the car damaged, immediately
photograph the damaged part. If there is a loss of the car, a certificate of
loss report from the local police can be evidence that will later be submitted.
Don't
forget to remember and record in detail the process of occurrence, both
location, time, place, street name, street number, and others. This will later
be used when filling out the claim submission form.
Preparing
evidence in the form of photos and captions at the time of the incident is
important as evidence when claiming insurance later.
3. Prepare Claim Submission
Documents
The
documents that must be prepared to make an all-risk car insurance claim are usually
listed in the insurance policy you have. The documents required for each
insurance can be different.
Here
are some examples of common documents that must be prepared to file an all-risk
car insurance claim.
A. For claims of
loss/damage of part of the vehicle part due to malicious acts, such as theft of
rearview mirrors/spare tires/radio tape/car berets, etc.
- Fill out the Loss Report and have been signed by the
insured
- Copy or Photocopy of insurance policy
- Copy or Photocopy of vehicle registration
certificate
- Copy or Photocopy of driver's license
- Information from local police
B. For claims of loss of
the entire vehicle due to malicious acts, such as theft.
- Fill out the loss report and have been signed by the
insured
- Copy or Photocopy of insurance policy
- Copy or Photocopy of vehicle registration
certificate
- Copy or Photocopy of driver's license
- Information from local police
- Certificate of Missing Vehicle Kaditserse from the
local police
- STNK block letter
- If necessary, an investigation will be carried out
from the Independent Investigation Agency
C. For claims for vehicle
damage due to accidents
- Fill out the loss report and have been signed by the
insured
- Copy or Photocopy of insurance policy
- Copy or Photocopy of vehicle registration
certificate
- Copy or Photocopy of driver's license
- Information from the local police, if there is a
claim from the 3rd Party, it is added and a letter of demand from the 3rd
party.
4. Visit the Insurance
Partner Workshop (for damage claims)
After
the documents are collected, go to the partner workshop that has been appointed
by the insurance company and inform that you want to claim insurance (usually
the list of partner workshops is recorded in the insurance policy).
This
insurance partner repair shop will then immediately contact the insurance
company and conduct a survey and estimate the cost of repairing your car. To
avoid claims being rejected, do not go to the repair shop and perform service
on a repair shop that is not an insurance partner.
5. Fill in the Claim
Submission Form
At
the partner's workshop, we will be presented with a claim form. Fill out the
form honestly and truthfully. Avoid making false reports related to the
driver's license, location of the incident, time of the incident and several
other important things because the insurance company will double-check the data
you have filled in.
Filling
in inappropriate data will increase the possibility that the insurance claim
made will be rejected by the insurance company. If there is a refusal, then you
will be informed by your insurance agent, but if it is accepted, usually the
repair shop will immediately continue the repair. In addition, you will be
charged a fee for submitting an all-risk car insurance claim, the amount of the
filing fee will be notified by the insurance company.
After
all the stages are completed, we just have to wait for news from the workshop.
If it is only blisters and does not require replacement of spare parts,
generally this claim problem will be completed within 2-3 days and a maximum of
7 days.
If
the damage is severe enough and requires a lot of spare parts that are not
ready at that time, then the repair time will be longer, depending on the
readiness of the workshop. Therefore, make sure to return when the vehicle can
be picked up.
That
is the description and stages of how to claim all-risk car insurance that Ombro
can convey, hopefully it can be useful and add references to knowledge, my
friends.
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