Since the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses.
In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be experienced due to unforeseen events.
Life is always fraught with risk. Because, you never know what will happen to us before the event. There are those who slipped in the bathroom and eventually had to be hospitalized for some time.
Some are suddenly left the family due to accidents. Not to mention the lifestyle that triggers the risk of health problems. Critical illness such as heart attack or stroke are now as familiar to our ears.
Luckily this time there is insurance. Because, with insurance, there are many things that can be prepared early. Start from the cost of coverage during illness, to the children's education.
Unfortunately, there are still many people who think insurance is less important. In fact, judging from its benefits, insurance can provide a range of certainty in uncertain times that may befall one of our family.
see : benefits and purpose car insurance.
Insurance
Kind and type of insurance is basically insurance for disciplining those who would suffer small losses, and at the same time be aware of the uncertain losses. World in which insurance is also known to sell two types of products, namely Life and Casualty Insurance.
For vehicle insurance is included in the type of insurance Lost. insurers generally offer two types of vehicle insurance in terms of protection or protection conditions, namely:
A. Comprehensive (All Risk) That is to ensure the risk of loss or damage to vehicles, either in part or in whole, including here the replacement third party (the victim) are affected.
2. Total Lost Only (TLO) That ensures protection against the risk of a vehicle if the loss or damage costs equal or exceed 75% of the price of the vehicle and insurance for lost or stolen cars.
The amount of premium for both types of vehicle insurance is certainly different. Given the magnitude of risk the possibility of a case of a vehicle is also not the same.
Comprehensive insurance type (All Risk) bear the risk of loss as a whole, whether the vehicle is lost due to theft or loss as small as a broken mirror because terserempet another car. That's what makes premiums more expensive.
While the type of insurance Total Loss Only (TLO) is cheaper premiums, knowing the minimum loss. So the damage that causes the loss of a few (less than 75% of the price of the vehicle) is not covered by insurance.
The comparison of premiums could double or more. Suppose that in a large insurance company premiums TLO was 1.25% of the value of the vehicle, the greater the premium All Risk could reach 3% of the value of the vehicle.
Choose the Right Insurance Company
Development of vehicle insurance in the world from year to year it fluctuates. For example, before a riot or disaster some time ago, the business of insurance or a glance not much can be said is quiet-quiet.
As soon as the rainy season comes which makes a big flood in some areas of the world, a lot of vehicles that need serious improvement, because the submerged and the water washed away. Or, when there were riots in the election.
Not a few heavily damaged vehicle can not be returned to its original, because the whole body charred burnt. Can be estimated how many losses to be borne by the owner of the vehicle, because it does not take insurance.
Perhaps because of such events affect people's views will ultimately use vehicle insurance.
Since then people began to think again of the need to issue vehicle insurance. Because of the high market demand for insurance services, it is captured by the owners of capital as a profitable business opportunities.
Therefore, many emerging companies new car insurance. Until now there are so many car insurance companies in the world.
Of course not all good quality services. This makes the competition among the insurance companies themselves are becoming increasingly stringent. During the competition is healthy and increasing the quality of services to consumers, the better.
For example, fast claims processing services, emergency road assistance 24 hours a day, third-party compensation (the victim) to a certain amount, and so forth.
The problem now is a concern that starting a war premium rates that are less healthy and more illogical between them. While the service is very poor and disappointing his claim.
For that prior to submitting an application, we should choose an insurance company which is a public, transparent and reliable. Health insurance companies, always report its financial results on a periodic basis.
By knowing the financial statements, we can know that certain insurers in insolvent condition (hard to fulfill its obligations) or profitable (profitable).
That way, we believe, that the premiums we pay at a certain period was not in vain. From time to time consumers have to make a claim, the insurer will meet its commitments. So be careful and do not be swayed by the insurers that offer lower premiums only.
Applying for Insurance
Apply for insurance protection is not difficult, the important thing is to determine the choice of insurance companies that really reliable.
Come directly to the companies we choose to fill out and study the contents of the agreement well before ditandatangani.Tentukan type of mortgage where you want to bear the risk by insurance companies (TLO or All Risk).
Also adjust the risk of our vehicles, especially regarding the nature of the use of vehicle, year of manufacture, as well as the types of additional dependents.
Of applications that the company will conduct a survey vehicle concerned (condition and feasibility). Insurers will consider his willingness to be a person in the filing of our application.
Sometimes it can also not an agreement. For example, because the vehicle is insured as a dependent unknown in other companies. Or vehicles older than 5 years from the time of filing.
But it could also depend on the amount of premium that we sanggupi.Yang sure it is listed in the application of any consent agreement that the guidelines for the insurer (the insurer) and insured (vehicle owner).
So that in the event of a claim, there are already clear rules for both parties.
Never Too Late Filing Claims
It is important to be aware of as a participant or a holder of an insurance policy.
If at any time such unfortunate traffic accident or theft, you should immediately contact the insurance company underwriter of our vehicles and to report to the nearest police station.
No less important is the care of the paperwork requirements of the insurance claim. If it can not be done alone because to go into hospital, can give a power of attorney to someone else.
This is important because the prerequisite of making an insurance claim is a statement from police accident or description of hospital treatment (if any victims). In a period of less than 324 hours since the incident, we must claim.
After over 324 hours of insurance companies are not serving anymore. Why have 324 hours?, Because padajangka tersebutmerupakan time the terms and agreement among all insurance companies.
This is to avoid any misunderstanding, considering the number of external factors on moving objects in public places such as vehicles.