Easy Way to Claim Car Insurance for All Risk and TLO

Easy Way to Claim Car Insurance for All Risk and TLO

It cannot be denied that the road accident rate is still quite high. Car Insurance should be prepared to lawfully protect ourselves against any big loss.The high rate of accidents is caused by many factors, including the level of discipline in traffic rules. It is necessary to have laws and policies in place to protect the public, even though there are accidents on the road, one of which is the list of car insurance policies .

Insurance is a safeguard against any possible misfortune. With a car insurance policy, you don’t have to worry about repair costs because the insurance will cover everything. There are several requirements that you need to prepare in order to be able to get a claim for insurance. In this article, we will discuss the most important things to consider when insuring your car. Listen, come on!

Types of Car Insurance

Registering for insurance for car owners is important because it offers many benefits in the event of damage or even loss of the vehicle. With insurance, car owners don’t have to worry about the cost of a car insurance claim if the vehicle is damaged. Even if there is a loss, the vehicle can be replaced by the insurance company by way of a car insurance claim if the claim conditions can be met. Currently there are several types of car insurance that you can choose according to your needs. For those of you who want to buy a car insurance policy, there are two types of insurance that you can choose, namely Total Loss Only (TLO) and All Risk.

1. TLO (Total Loss Only)

TLO or Total Loss Only has the literal meaning of “only (if) total loss”. This means that an insurance claim can only be submitted in the event of a ‘total loss’. In car insurance, what is meant by total loss is if the damage to the vehicle is above 75% or the loss is due to theft or confiscation. If the damage suffered is less than the stipulated provisions, then this method of car insurance claim cannot be done. The 75% benchmark is used because the car is certain to be unusable.

Advantages of TLO Insurance

The advantages of car insurance total loss only are as follows.

  • Low monthly premium fee
  • Can do the expansion of responsibilities

Lack of TLO Insurance

The disadvantages of car insurance total loss only are as follows.

  • Cannot claim for minor damages
  • Cannot claim in the event of a minor accident
  • Cannot claim when there is theft
  • If there is a loss, the money will not be replaced 100%

2. All Risk

All Risk has the literal meaning of “all risks”. This is a car insurance claim method in which the insurer will pay for all types of damage claims, ranging from minor damage, serious damage to even loss. By paying regular premiums that have been determined by the insurance, you can get full protection for your favorite car.

This type of insurance is perfect for cars or vehicles that have a high value. The reason is that if there is only scuff damage, you can file a claim if you choose this type of All Risk insurance. Of course, you don’t have to worry about making a car insurance claim because of your own fault because the benefits of car insurance protection are now quite complete for various risks. Moreover, this type of insurance also covers third-party car insurance claims.

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Advantages of All Risk Insurance

The advantages of car insurance all risk are as follows.

  • Bear the risk of small to large damage
  • Bearing the loss of the car
  • Protect in the event of an accident
  • Can do the expansion of responsibilities

Lack of All Risk Insurance

The disadvantages of car insurance all risk are as follows.

  • The monthly premium fee is quite expensive

Basically TLO and All Risk insurance are equally important to protect the vehicle from the risk of damage or loss. But make sure to choose the type of insurance that suits your needs and abilities. The reason is that there is a premium every month that must be paid as collateral if at any time the vehicle requires an insurance claim. Don’t forget to also choose a trusted insurance policy to avoid harmful things and make it easier when you want to make a car insurance claim.

How to Claim Scratched Car Insurance

Finding your favorite car damaged even though it’s only a little scratched will definitely make the owner uncomfortable. Then, can a scuffed car claim insurance? For car owners who have All Risk insurance, even the slightest scratch on the car can file an insurance claim for repair costs. How to claim a scratched or scratched car insurance is actually quite easy if you can prepare the documents and requirements needed for the submission process. For more details on how to file a scuffed car claim, see the following steps.

1. Report to the Insurance Party

The first thing to do if you want to file a claim against a scratched car is to report it to the insurance first. When the car has a scratch, contact the insurance directly by phone or message to make a report. Next, document the scuffed car part to be attached to the claim submission process. After receiving the report, the insurance company will prepare a submission report and wait for you to bring the documents needed as a condition for this car insurance claim.

2. Attach Photo Evidence of Scratched Parts

When you want to make a claim, don’t forget to take photos of the scuffed or damaged parts of the car. This photo will be evidence at the time of reporting and must be attached to the filing requirements file. Don’t forget to provide honest information regarding the chronology of events so that the car can be damaged so that insurance claims can be accepted.

3. Prepare the Required Documents

After making a report and documenting the condition of the scuffed car, the next way to claim car insurance is to prepare the required documents. The documents required for this scuffed car insurance claim include a photocopy of vehicle registration certificate, a photocopy of a driver’s license, a photocopy of a car insurance policy , an insurance claim form and a police certificate stating that the car was scuffed due to an accident. Prepare all documents in one file folder which will later be brought to the insurance office for the process of submitting a damage insurance claim.

4. Fill in the Form for Submission of Scratched Car Claims

After the required documents are ready, then you can immediately submit an insurance claim. The next way to claim car insurance is by filling out a submission form that has been prepared by the insurance company. You can fill out an insurance form online or by coming directly to the insurance office. Currently, there are many insurance policies that provide digital insurance claim facilities to simplify the submission process. After the form is ready, the insurance company will check the condition of the car damage.

5. Convey Information and Event Chronology

To determine whether you can get a scuffed car claim or not, the insurance will ask about the chronology of events. Convey information about the chronology of events honestly and coherently so that car claims can be accepted. If necessary, the insurance company will check the damage directly at the partner workshop.

6. Monitor Claim Submission Progress

Generally, the insurance company will not immediately make a decision whether your claim submission is rejected or not. That’s why you must always monitor the progress of submitting a claim either through the official application or contacting customer service to check the status. If the car insurance claim method is accepted, immediately go to the partner workshop for repairs to the damaged car.

7. Use Partner Workshop Services

Vehicle insurance claims can only be used at the workshop of the insurance partner. If insurance has been approved, immediately go to the nearest partner repair shop to get repairs. The workshop will make repairs according to the claims approved by the insurance company. If any part is not approved, then you will be charged an additional fee.

You need to know that not all car insurance claims submitted when the vehicle is damaged are accepted by the insurance company. Insurance will only accept claims if the applicant completes all the required documents. If the car is damaged due to the negligence of the driver, such as driving while drunk or without a driver’s license, the insurance claim will definitely be rejected.

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How to Claim Credit Car Insurance

The need for high mobility, sometimes makes people willing to take car loans to meet their needs. The question is, do credit cars have insurance? Even though it is still in the credit period, the car can still get an insurance claim if it is damaged. How to claim car insurance even though it’s still on credit is as follows.

1. Report Immediately If Damage Occurs

Even though it is still in the credit period, it is possible for the car to be scratched or damaged. This is where the benefits of car insurance for its owners. For credit car owners who want to make a claim, immediately report any damage to the insurance company. Also tell the chronology of events so that the car can be damaged. Don’t forget to take photos of the damaged parts of the car to be used as proof of submission.

2. Prepare the Required Documents

Next, prepare the required documents in accordance with the terms and rules of the car insurance claim from the issuing company. Some of the documents needed for a credit car insurance claim include a photocopy of vehicle registration certificate, a vehicle insurance policy, a photocopy of a driver’s license and a certificate from the police that the car has more than 70% damage. Put all the documents in a folder that will be brought when checking the claim document requirements at the insurance office. Make sure the claim period is in accordance with how long the contract on the car insurance policy is valid.

3. Submit a Claim Digitally

In this increasingly sophisticated era, car insurance claim tricks can be done more easily, namely through the process of submitting a protection claim for cars online. Currently, there are many insurance policies that provide a way to claim car insurance through an application to simplify the process of filing for compensation for vehicle damage. To apply, you only need to login to the application that has been provided then fill out the claim form that is provided. Don’t forget to upload a photo of the damage to the vehicle as evidence to file a claim for compensation. However, if the claim is digitally rejected, there is no harm in trying to come directly to the insurance office with the required documents.

4. Monitor the Progress of Claim Submission Using the Application

After the submission process is successful, then continue to monitor the progress of the claim submission. You can check the progress of the submission through the application provided by the insurance. In this way, the applicant no longer needs to go back and forth to the insurance office to find out the progress of the claim submission made. In this time of a pandemic, how to claim car insurance using this application is very helpful to avoid contact with many people. However, digital claim progress usually takes longer than coming directly to the insurance office.

5. Go to the Insurance Office directly

Not everyone who does how to claim car insurance through the application is successful and accepted. If the claim submission in the application has not been processed or even failed, then the only way is to go directly to the insurance office. Don’t forget to bring the required documents including vehicle damage documentation. The claim submission process at the insurance office will be processed on the same day so you don’t have to wait. If the claim is accepted, the car pick-up process will immediately be carried out for repairs.

It should be underlined that this method of claiming credit car insurance can only be done for the purchase of a new car. During the process of applying for a car loan , usually the creditor will immediately register insurance to protect your vehicle even though it is still in the credit period. That way you don’t have to worry if the car is damaged during the credit period because you can still file an insurance claim.

How to Claim All Risk Car Insurance

All risk car insurance is one of the most widely used types of insurance, especially for car owners with high prices. By using this type of insurance, all types of damage ranging from small, large and even loss can be claimed to the insurance company. How to claim all risk car insurance is also not difficult, the steps are as follows.

1. Attach Photo of Car Damage Claim

The first thing that needs to be done if you want to claim all risk car insurance is to document the slightest damage. Immediately make a report to the insurance company by providing a photo of the proof of the damage claim. Don’t forget to also prepare the necessary documents such as a photocopy of your vehicle registration certificate¬† , driver’s license, insurance policy to a certificate from the police that the car was damaged in an accident.

2. If you are out of town, contact an insurance agent

How to claim all risk car insurance does not have to be done in the city where you apply for insurance. However, if you are out of town, you can still file an insurance claim when the car is damaged. The trick, contact the insurance agent and tell the chronology until the car can be damaged. If the insurance claim is accepted, the insurance agent will recommend a certain partner repair shop in the city.

3. Fill in the Insurance Claim Form Available at the Workshop

After getting a workshop recommendation for an insurance claim, then fill in the claim form available at the workshop. Don’t forget to bring the all-risk car claim requirements documents that will be needed later. Furthermore, the workshop will continue the process of submitting a claim to the insurance agent. If the car insurance claim method is accepted, the repair shop will immediately carry out the repair process for the damaged car.

4. Submit a Claim Confirmation to the Insurance Party

If the claim form and requirements have been met, the workshop will then submit a confirmation to the insurance agent. The repair shop will immediately carry out the repair process for the damaged car. By making a car insurance claim like this, it will make it easier for insurance owners to submit claims anywhere and anytime, even when out of town.

 

In this day and age, protecting assets such as cars with insurance is a very important thing to do. The risk of an accident on the road is quite high, so you must have protection if something unexpected happens. With insurance, you don’t have to worry if the car is damaged because you can apply for compensation by way of a car insurance claim. But make sure to choose the type of insurance that suits your needs to be safer.

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