Car Insurance Claim Procedure and Cost Required
If the process is properly followed and the completeness of the file is met, current car insurance claims are easy to do. When conducting insurance claims process, car insurance customers are subject to own risk (own risk is usually abbreviated as OR) which amount depends on the policy of the insurance company and also regulated by OJK that is Rp. 300,000 for each incident.
In general the first step to make a car insurance claim when the accident immediately took a photo of the damaged car parts. This is especially important when the car is so badly damaged that it can no longer move forward. The existence of a photo can be used as evidence as an insurance claim.
After that the next process can follow some of the following general procedures:
Contact insurance and prepare important documents in the filing of
claims, such as an insurance policy, driver’s license, national identity
card, and also a police statement if the vehicle is severely damaged in
an accident or a crime.
After all the requirements are considered complete and meet all insurance requirements then you just take the car to the workshop that became the insurance partner. Do not try to also repair the car in the workshop that is not an insurance partner because it could be a claim will be rejected.
The last procedure in filing a claim is that you will be asked to fill out the form clearly. The filled form usually contains details of accident data both in hours and places. For that to be honest because insurance or workshop will know if you lie. This will take effect because if there is one data that conflicts with the current events in the field, then most likely the claim will be rejected.
After all the data filled then just ask the workshop about the duration of vehicle repair. For the duration of this work will be determined based on the severity of the damage that occurred. For minor 1-2 days damage will be over, but if the damage is very severe it can take weeks or even more than a month.
The easy claim process of car insurance claims makes vehicle owners aware of their vehicle risks and ultimately protects by purchasing insurance products. For convenience in choosing an insurance product, here’s how to calculate car insurance premiums to increase knowledge.