How to claim car insurance, of course, vehicle owners must know and understand. Because sometimes unexpected things can happen on the highway. For this reason, vehicle owners must have car protection or insurance to minimize the risk due to traffic accidents or damage. With an insurance policy, you don’t have to worry about repair costs because everything will be covered by the insurance. However, to be able to get an insurance claim, several requirements need to be prepared. Often there is a rejection of insurance claims because they are not by the policy. So, how do you make a car insurance claim so you don’t get rejected?
Car insurance claim terms
Summarized from the official Lifepal.co.id statement, you need to prepare the following car insurance claim requirements documents: Insurance policy in original and photocopy. Copy of SIM and STNK. Proof of police report if the car is seriously damaged due to an accident or loss. Filled and signed claim form. Written chronology of events. Photos of damage such as scuffs, dents, and others. Don’t forget to prepare the claim fee or own risk for the claim you submit. This fee ranges from Rp. 250 thousand to approximately Rp. 300 thousand. To find out how long a car insurance claim takes, each car insurance company usually has a different policy. Therefore, you can directly ask the agent or customer service.
How to make a car insurance claim so you don’t get rejected
Even though you already know how to claim car insurance, the possibility of your application being rejected still has to be faced. Here are tips for you to make a car insurance claim without rejection:
1. Contact the insurance company as soon as possible.
Reporting an incident that happened to your vehicle is a maximum of 3 x 24 hours after the incident. The sooner you report, the easier it will be to file a claim because the survey is conducted. In making a report, you are also expected to provide an explanation that the insurance company can understand. If you make a temporary report of the incident, the insurance will also send a tow truck and take you directly to the partner workshop.
2. Prepare and show evidence
Showing evidence of an incident that harmed your car is also very important. This is the basis that the car is damaged or lost is not something that was planned or made up for the sake of getting insurance money. If the car is damaged, the evidence you can provide is photos of the parts that are dented or scuffed. If the car is lost while being parked somewhere, the evidence you need is CCTV footage or other evidence that confirms that your vehicle was stolen. Read also: Check out Mitra Pinasthika’s (MPMX) strategy to achieve this year’s revenue target
3. Explain the chronology of events clearly and in detail
In addition to the evidence, the chronology that you describe is also a determinant of whether the claim is granted or not. The clearer and more detailed chronology you provide, the easier it is to make a car insurance claim. Therefore, you need to remember the incident very well, from the location, and time of the incident, to the position of the car driver at the time of the incident, and so on. Not only that but you will also be asked several questions from the insurance. Also, make sure you can answer well and not convoluted so that it is easy to understand. The process of making a car insurance claim will also become smoother.
4. Complete and submit auto insurance claim requirements
Making an insurance claim requires requirements in the form of documents, such as photocopies of SIM and STNK, insurance policies, evidence, and forms. Make sure nothing is missed. If the damage to the car is due to other people or third parties, the requirements will increase slightly by A statement of claim for compensation with a stamp duty from a third party. A statement from a third party states that the person concerned does not have insurance services.
So that you don’t get rejected, here’s how to claim car insurance
