Don't Underestimate Car Insurance

car insurance


Having vehicle insurance for some people is still considered as less important. They assume there is no point in insuring their beloved car. After all, if the car is driven with caution, then the possibility of an accident will not occur. The myth, how to claim car insurance is difficult, the procedure is complicated until the funds needed are liquid.

But all these assumptions are not true, because you have to understand if car insurance has many beneficial benefits. Car insurance is not only limited to compensation tools in the event of an accident, but also as a maintenance investment. Just imagine if you get compensation for every risk that occurs in the car. Of course no need to worry anymore to spend a lot of money just to improve. For example, your car accidentally crashed into a fence so that the front of the car blisters, so you do not need to spend money to fix it because it will be financed by the insurance company.

By having vehicle insurance, all of these risks can be minimized because of the large number of attractive protection offered by insurance companies. How to buy car insurance is also increasingly easy in today's online era, of course, you can already buy car insurance through an online system.

The main convenience that can be directly felt from buying insurance online is practical. It doesn't take much time because all processes starting from transactions, application processes, status updates and checking are done online. Of course this will not interfere with your other activities because purchases can be made anywhere and anytime (real time).

In addition, you also do not have to bother sending the documents needed to register. This is because all documents can be uploaded via the internet. Filling out the insurance submission form is also done online. Check out the following careful tips to buy car insurance online:

1. Make a Comparison of Insurance Products
Everyone would want the best insurance products for their cars. If possible all risks that might occur are covered by all insurance. Therefore, make a comparison between one insurance product with other similar products before buying. This method can be done online through a comparison site that offers car insurance.

Pay attention to attractive offers given by insurance companies to protect your car later. Not all insurance companies offer the same protection. In terms of insurance policies and interest alone, each company is different.

But keep in mind, not offering the lowest insurance premiums means the cheapest, consider the cheap insurance policies offered whether the insurance provides protection that is in accordance with your wishes. That is whether the insurance provides comprehensive protection or only for certain things.

In addition, you can also read the testimonies of people who have submitted certain insurance products as a reference. From there later you can also consider whether the insurance product is in accordance with what you are looking for.


2. Choose the Right Type of Car Insurance

Basically there are two types of insurance protection offered, namely All Risk and Total Loss Only (TLO). The difference lies in the type of protection provided. For All Risk insurance, the insurance company will cover all risks and damage to your car. This means that all minor, severe damage to loss can be covered by All Risk insurance.

Unlike the All Risk insurance, Total Loss insurance will only cover losses that cause the car to be damaged more than 75% or the vehicle has been stolen (lost). For minor damages, this type of insurance cannot cover it. However, for premiums, this type of insurance is cheaper. This you must understand, and determine the type of car insurance that suits your needs.


3. Add Expansion of Protection

For those of you who have been assuming insurance is only for protection when the car is damaged due to an accident or lost due to theft, it means that you do not understand very well about the benefits of insurance. Currently insurance companies have widened their type of protection against possible risks known as extended protection

When buying insurance, you will be given the desired protection expansion option. yes the selected extension will be added to the car insurance policy and will be included in the insurance premium. The extended protection offered by insurance companies includes riots, natural disasters, terrorism, sabotage, bodily injury or death to passengers, passenger responsibilities and third party responsibilities. What's interesting is the responsibility of third parties. 

By selecting the expansion, the loss suffered by a third party is also borne by the insurance party. For example, your car is involved in an accident involving another car that also causes losses to the car, so do not worry about paying compensation because with this protection the insurance will cover it. 

4. Pay close attention to the Insurance Claim Process 

Sometimes the thing that makes people reluctant to buy insurance is a claim process that is considered complicated, even though it is just a figment. Just so you know and don't violate the procedure, your insurance claim process is easy to process. The insurance officer will be happy to assist you in handling claims. Don't be afraid to ask them. Understand all information about your car insurance claim online. Every car insurance product has a clear and informed claim procedure. If something happens to the car, you can immediately report it to the insurance. Do not delay to report because the deadline for reporting is generally 3x24 hours, it depends on your insurance company policy. After that, prepare the required documents, this is not as complicated as the estimate because you only need to prepare a driver's license, vehicle registration, insurance policy, as well as a certificate from the local police. Don't forget to attach a claim form that must be filled out and signed. After that, just wait for the insurance process to give the green light to take your car to the nearest partner workshop. The car will be repaired soon by the mechanic and the vehicle will be ready for reuse.

Immediately Submit Before It's Too Late For those of you who already have a car but do not have insurance, immediately submit to get maximum protection. Do not be late because disaster can occur anywhere and at any time. No need to be complicated to choose the right vehicle insurance because now there is a comparison site that can be utilized. The premium offered is quite cheap and will not burden monthly expenses. Now, what are you waiting for?

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