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Uzone.id – Imagine cruising down the open road, the wind in your hair, when suddenly, a careless door ding leaves an unsightly scratch on your car. It’s a frustrating experience, but knowing how insurance can help restore your vehicle to its former glory can offer peace of mind.
For some people, submitting an insurance claim for a scratched or scratched car can seem like a hassle. However, if you calculate the cost of losses that must be borne by your pocket, of course, this isn’t that difficult, right?
So, what should you do if you want to file a car insurance claim for scratches? What requirements need to be prepared so that insurance claims run smoothly? Here’s the complete information!
Types of Car Insurance and Their Benefits
Car insurance is nothing new. Car insurance is divided into several types which can be adjusted to suit your needs.
So, before deciding on choosing an insurance product, it’s a good idea to know the different types of car insurance and their benefits below!
All Risk/Comprehensive
Insurance All Risk is also known as a Comprehensive, especially when persons speak of automobile insurance. Car Insurance Comprehensive This is an indication that this kind of insurance can offer better cover to the car if it is involved in an accident or it gets stolen or damaged in any of the other ways.
From as light as scratches, and dents, to as severe as the resultant of collisions of the car’s body alters shape.
Not only that, this car insurance can also offer cover when the car is stolen and in cases of natural disasters including floods or an earthquake. Note that all forms of loss or damage are written in the policy.
Owing to its broad scope regarding coverage, the cost of All Risk is Usually higher than traditional car insurance Such as TLO insurance.
Insurance Total Loss Only
Insurance Total Loss Only (TLO) is insurance that pertains to the protection of a car against loss.
Note however, that this kind of TLO insurance protects you against theft and loss where the cost of repairing the vehicle is estimated to be not less than 75 percent of the cost of the car at the time of the theft/loss.
Car theft is also deemed as total damage hence TLO insurance will cater for the loss of such a car. Regrettably, for TLO insurance, one is not protected in instances where the car is damaged to between 25% and 74% only. Small repairs or replacements are borne by the owner.
Regardless of this, TLO insurance has an advantage over other insurance in as much as the premiums are concerned. Nonetheless, TLO insurance premiums are normally lesser than car insurance All Risk.
Combined Insurance
There is often a tradition to call Combined Insurance as Combination Insurance. This type of combination car insurance includes insurance All Risk and TLO insurance but may be purchased only when taking car loans.
How this type of insurance functions is that in the first year, the car will be fully insured at all risk and in the next year it will be TLO car insurance only.
Expansion Insurance (Rider)
Of the three types of car insurance mentioned above, users can add extended vehicle insurance coverage. An expansion guarantee is a benefit additional, in addition to coverage due to accident or loss. The following is an expansion guarantee with an additional premium:
- Guaranteed expansion of flood and typhoon vehicle insurance
- Guaranteed expansion of earthquake and tsunami vehicle insurance
- Guaranteed expansion of riot or riot vehicle insurance
- Guaranteed expansion of terrorism and sabotage vehicle insurance
- Guaranteed expansion of third-party legal liability (TPL) vehicle insurance
- Guaranteed expansion of passenger personal accident vehicle insurance
- Guaranteed expansion of legal liability vehicle insurance for passengers
Insurance Collision Coverage
The last type of car insurance is Collision Coverage. This type of car insurance is specifically to cover medical costs resulting from accidents caused by the driver.
Apart from that, this vehicle insurance will also cover damage and compensation costs according to the price of the car owned.
That is information about the types of car insurance and their benefits. After knowing the several types of car insurance above, you are interested in which car insurance to buy.
How to claim scratched car insurance
What are the requirements for an insurance claim for a car that is scratched or scratched? Don’t take the wrong steps, follow the steps for submitting an insurance claim as follows so that it can be approved smoothly!
Complete the required documents
The first step in submitting an insurance claim for a car that is scratched or scratched is to complete the specified required documents. The list of required documents requested will generally be written in full in the application form. The documents required include:
- copy of the insurance policy
- copy of National Identity Card
- copy of Driving License
- copy of the Vehicle Registration Certificate
- a certificate from the police if the car was scratched due to an accident.
Contact the insurance company
After car damage occurs, try to contact the insurance company as early as possible. Inform the purpose of making a scratched car insurance claim.
Communication with the insurance company can be done via telephone service or by coming directly to the nearest insurance branch office.
Prepare third-party documents
If the damage to a scratched or scratched car involves a third party, prepare supporting documents from the third party as complete administrative files.
Don’t forget to ensure the willingness or consent of the third party to avoid undesirable things in the future. In more detail regarding what documents need to be prepared, in this case, the insurance company will help the customer.
Attach photo evidence of the car being scratched
Submitting a scratched car insurance claim requires photographic evidence of car damage which serves as a real picture of the incident that caused the loss.
Attach photo evidence of parts of the car that are scratched due to unexpected events, such as accidents or being hit by other drivers.
If necessary, photographic evidence of damage to the car, such as scratches or scratches, can also be included in the police report.
Fill out the car scratch insurance claim form
Apart from these two main things, the insurance claim submission form should also not be missed. As one of the administrative requirements, the insurance claim submission form needs to be filled in completely and according to the incident.
This form generally contains personal data and questions regarding the chronology of events. The more complete the answers written on the form, the greater the possibility of receiving an insurance claim.
Interview with the insurance company
This step is taken when the application for a scratched car insurance claim is administratively complete, starting from the form to photos of supporting evidence.
When filling out the scratched car insurance claim form, try to write down the incident sequentially and in detail.
That way, when the insurance company asks for an interview to obtain verbal information, it is possible that the questions asked are just a confirmation of what has been written in the form.
Take advantage of the services of insurance partner workshops
What customers may miss is not paying attention to the list of insurance partner workshops. The reason is, that car insurance claims can only be made at partner workshops.
To avoid losses, try to take the car only after the insurance claim has been received, not immediately after the damage occurs.
Collaboration between partner workshops and insurance companies is solely to prove damage claims informed by customers. If the damage that occurs matches the claim, the insurance company will immediately issue a work order to repair the damage to the car.
The methods for claiming scratched car insurance above will determine the smoothness of the damage claim. Customers need to pay close attention to every requirement and administrative need requested by the insurance company.
Car insurance is something that every four-wheeled vehicle owner must have. Why is that? The reason is that it is not uncommon for four-wheeled vehicles such as cars to be susceptible to various risks ranging from theft to accidents.
For this reason, car insurance can be a solution to overcome the owner’s worries. This is because car insurance can provide benefits in the form of providing compensation for loss or damage to motorized vehicles caused by collisions, falls, malicious acts, theft, and even fire.
