Insurance is a guarantee that makes you safer, especially vehicle insurance. For those of you who have a car, is it Insurance? There are still many Indonesians who do not want to take car insurance.
Though the benefits of car insurance there are so many because you never know what will happen with your favorite vehicle.
The price of a car that is not cheap is the main reason why you should take out insurance from now on.
Recognizing The Benefits of Car Insurance In General
The increase in car and motorcycle drivers makes traffic more congested. You as a rider are certainly not only always alert on the road but it is also necessary to have self-protection. Insurance is the right choice to be prepared.
There are so many car insurance benefits in general that you will get. Here are the benefits to consider.
Have Vehicle Protection Guarantee
Losses will certainly be obtained when an accident or theft occurs. Insurance will be a guarantee of car owners so as not to experience excessive losses. For example, a car got into an accident and was badly damaged.
Insurance can cover the cost of repairs. This benefit is not felt immediately, but it will be very helpful later on.
Assist With Financial Planning
The next benefit of car insurance is that when you experience damage you don’t need to drain your savings for repair costs. That way there is a previous financial planning that has been well prepared.
So your finances in the following months after a car breakdown will not be disturbed. You can rely on insurance to cover the high costs incurred.
Creating A Sense Of Security
You as a car owner certainly do not need to worry anymore when you have to drive all day even out of town. You can drive with a safer feeling.
Because you already have protection that will help whenever a problem occurs in the car.
Forms Of Investment Facilities
Car insurance is also an opportunity to invest or a good saving activity for the future. A car equipped with insurance has a high standard because all its components are maintained.
If you want to sell a car complete with insurance, then the selling power will be higher. You don’t have to be afraid to lose by selling it.
Get Some Additional Services
Almost all types of car insurance provide some additional services to their customers. This service is like a service guarantee in the workshop to a hotline facility that can be contacted 24 hours if you want to claim insurance.
This additional service is usually often a consideration when you have to choose car insurance. So be sure to read carefully what facilities you will get from the insurance.
Types Of Insurance And Their Policy Benefits
In addition to all the benefits of car insurance, there are also other benefits according to the type of insurance. Today there are so many companies offering car insurance with a variety of different protections.
Knowing what type of insurance makes it easier for you to choose later. That way the benefits of vehicle insurance that suits your needs can be fully obtained.
What types of insurance are available and their benefits? You can see the following review.
1. All Risk Insurance
Is a type of insurance that will guarantee all the worst risks that occur in the vehicle. For those of you who just bought the latest car output would be better to choose this insurance.
The guarantee provided is very complete, ranging from minor damage to weight and loss of the vehicle. The premium is also the highest among all types of insurance. It’s just that the car insurance benefits that will be obtained are very complete.
This high premium is often the consideration of new car owners to choose it or not.
2. Total Loss Insurance Only
Also called TLO insurance, the guarantee is given to the car as a whole. It’s just that this insurance is intended when there is a total loss. What is meant is that the damage to the car reaches 75%.
In addition, cars that are stolen or cannot be repaired at all after an accident. The benefits obtained from this insurance are almost similar to All Risk insurance, only the cost offered is more affordable.
To be able to claim this insurance there are so many requirements that must be met and appropriate. So the necessary conditions so that the insurance fund can Liquid everything.
3. Collision Coverage Insurance
There are also car insurance benefits when there is an accident caused by the driver. When there is damage to the car, then the cost of insurance will cover it all.
The compensation provided is also worth the price of the car you register insurance. Claims can also be made more easily.
4. Liability Insurance
This insurance also covers damage that occurs to the entire car. It’s just that there is an additional service that is to the driver. When the driver has an accident and is injured, it will also be covered with this insurance.
The existence of additional guarantees is what makes many people choose this type of insurance. Considering that not only vehicles get service, but also motorists.
5. Personal Injury Protection
The latter type is also called PIP, the protection of which is provided to the driver in an accident. So if you have an accident on your own car, then this insurance will be very helpful to overcome the cost problem.
How To Claim Car Insurance?
Judging by all the benefits of car insurance, are you getting interested and want to follow it? If so, get to know first how the procedure of car insurance claims. Because this procedure is also an aspect when choosing insurance.