Vehicle Insurance
The
claim was an attempt of the policyholder when asking for compensation
on the part of insurance companies because of theft or accident the car
was insured. The following procedures will be reviewed about filing a car insurance claim by the policyholder.
When
your car has been stolen or lost as a result of an accident, the first
thing to do is contact the insurance company within 3 × 24 hours. You can contact by phone, SMS, email or by coming directly to the office of the insurance company. It should be prioritized to avoid rejection of a car insurance claim on the grounds passing of a specified time period.
When
an accident and the car is still able to walk, the car should be taken
to a repair shop appointed by the insurance company. If the car has sustained serious damage, the car should be photographed or documented first. This photo will be the proof that there really had been an accident.
Policyholders must fill out a form provided by the insurance company. The form is one of the completeness of the documents for approval a car insurance claim. Next is to give information about the chronology of events to the insurance company with the information truthfully. It will be the consideration of whether the insurance company claims will be approved or rejected. In addition, policyholders are required to complete several documents offered by insurance companies. The documents that must be prepared is as follows:
Documents accident
1. The completed claim form. The new claims process would be conducted by the insurance company if the policyholder has a claim form to complete filling.
2. Copy or photocopy of an auto insurance policy. This document later as evidence that policyholders indeed a customer of an insurance company. In addition, this document to find out if the premium has been paid or not.
3. A copy or photocopy of driver's license.
4. A copy or photocopy of the vehicle registration.
5. Certificate from the local police. This document will be considered an insurance company to provide compensation or not.
Document third party liability (if any third party)
1. Affidavit of claims for compensation from a third party. This document can be used as a guarantee that policyholders who have caused damage to third party cars.
2. A written statement about the absence of insurance. Generally there are a number of insurance companies will not reimburse if the third party to have car insurance. Therefore, this document becomes one of the conditions is very important.
3. Copy or photocopy of driver's license / ID card and vehicle registration.
4. Certificate from the local police. This letter will be the proof that indeed at times and in certain places had been an accident.
Education Insurance
Health Insurance
Home ownership and property insurance
Life Insurance
Using
insurance now beginning intensified in the community, because its
function is important as planning the future much better. Insurance
also many kinds, ranging from life insurance, health insurance,
education insurance, fire insurance or property insurance and so forth. From some of the insurance, many people who can not distinguish between property insurance with fire insurance.This is because both such insurance coverage vary much with different functions. Usually if you use the property insurance fire insurance is also one scope. But when the fire insurance just mentioned, it is possible that it does not enter the realm of property insurance. For more details can be seen below:
Home Insurance (Personal Property Insurance)
This insurance has coverage with the protection of the future for the building either a home or other dwelling. For this insurance the entire furniture in the house all risk will be borne by private property insurance. But of course for such insurance should be no agreement at the beginning of the specified clause of the agreement. Another function of this insurance is a guarantee of good berupaka
selaga risk of fire, natural disaster, or theft and also certain cases
that resulted in chaos.
Property Insurance (Business Property and Industrial Property)
The
scope of protection of this insurance are all things relating to the
industry where both small-scale industries, medium and large industries.
all assets and existing equipment in warehouses, factories, or place of business will be covered by insurance. However,
we must bear in mind that all risks are covered by insurance should be
based on an agreement / treaty early when filing insurance. This is to avoid a claim that does not correspond to the initial agreement.Basically, there are some risks that are then not covered by insurance due to several reasons, among others:
- The occurrence of electrical short circuits which then caused the fire
- Wars and the events that caused the mass then create a place of business on fire.
- The nature of the goods and materials that exist in the industry where highly flammable.
- All vehicles that are in place do not get the insurance business,
because it is beyond the scope of the insurance company's own property.
- The occurrence of radioactive pollution or use of nuclear materials certainly make the effort very prone to fire.
- Fires caused by someone intentionally want to burn the place.
- Natural disasters are very abrupt and unpredictable comes from. Such as an earthquake, then the insurance company can not make disbursements on claims. But of course this depends on the initial agreement when agreement submission policy.Thus was some coverage of the insurance that you should know, may be useful.
