Mode of Luxury Car Owners Damaging Their Own Vehicles

Mode of Luxury Car Owners Damaging Their Own Vehicles to Get Insurance Claims

Circulating news there are owners of luxury cars who deliberately damage their own vehicles in order to get the right to claim insurance. The modes are varied, and one of them is an accident, the car is lost and taken away by the driver.

Explained by Communication & Event Manager of PT Asuransi Astra Buana, this incident of fraud had never happened in Garda Oto. However, if cases of inconsistent claims are added, it often happens.

Usually it is the collaboration of unscrupulous surveyors and workshops. If that happens, everything will be in accordance with the Indonesian motor vehicle insurance policy standard (PSAKBI),”

However, if the case of damage to the car by the owner, it sounds strange because the previous car was in the right condition. In fact, insurance claims are not necessarily accepted, if in the survey process found irregularities because in Garda Oto itself, the survey was conducted by internal parties in great detail.

“If the audit detail, it should detail. Because right related to be claimed or not. Usually, if the case is often the case, the individual workshop, due to ignorance of the consumer. Maybe the workshop wants to sell a head lamp for example, so that is claimed to scratch the body, but plus the damage to the lights, the consumer knows the car is in order, “he stressed.

Claim Collection
Meanwhile, this fraud case is actually very small in Garda Oto. Because the insurance company owned by Astra Group, has a learning system , which can read the strange patterns of events, and also the process of claims and surveys are carried out strictly.

“Hence, the survey of our own people, the photos also ditandain . But, that is quite common is also the collection of claims, from some occurrence of damage such as an accident. But right according the survey again, and we separate them, this submission can get how many claims,” he concluded .

Considering the price of the car is not cheap, insurance is always taken into consideration when wanting to buy this four-wheeled vehicle. No wonder the competition between insurance companies is increasingly competitive from year to year. Various interesting ways were carried out so that people are interested in joining certain insurance. Because they are tempted by big profits, many people choose the wrong insurance company, so that there arises remorse and intention to move to another insurance. Are you also experiencing the same thing and want to move insurance? If so, here are some reasons why you need to move car insurance and may not delay this desire again, as quoted from Cermati.com . 1. Advantages Not in Accordance with Expectations Policies regarding the benefits provided by insurance often change. If the amount of profit does not match the initial expectations, you may leave the current car insurance and move to another insurance. Before officially moving, make a comparison between premium costs and profits. If the results are not balanced, you can decide to immediately move to a new, more profitable insurance company. 2. Insufficient amount of protection Are you also experiencing the same thing and want to move insurance? If so, here are some reasons why you need to move car insurance and may not delay this desire again, as quoted from Cermati.com . Does the protection provided do not correspond to the amount of coverage that should be? If you have experienced this, it is natural to want to replace insurance that offers better protection. Moving insurance can also be done when your needs change, but the company does not offer those needs. For that, know the specific needs so that there are no regrets when you have changed insurance. 3. Submitting a Complicated or Late Claim The claim process should be easier if the submitted documents are complete. However, there are companies that make claims difficult for some reason, so you have to fight for yourself until the insurance money is sought. If this happens to your car insurance, without thinking, you should leave the insurance. In order not to choose the wrong insurance for the second time, look for complete information about the benefits and procedures for claim in detail. If necessary, ask other people at discussions or online forums that talk about car insurance. So you get complete and accurate information. 4. Services Not Satisfactory In addition to the benefits and ease of claims, you must pay attention to service too, right? It is undeniable, quality services are needed in service companies. If customer service does not provide satisfactory services, such as being difficult to contact or information provided is not helpful, you may change insurance. In this case, insurance must be able to behave professionally, especially for customers who have remained loyal from the start of the pioneering. If insurance does not immediately change its services, it's time you move to another heart. 5. Limited Partner Workshop Any type of insurance must have a working relationship with certain parties, including car insurance. Car insurance should cooperate with a number of workshops in the area where insurance operates. The more partner workshops, the better because customers do not need to laboriously look for the workshop address when needed. For that, ask the number of partner workshops to the company when they want to register insurance. Make sure the services provided by each partner workshop are satisfying and as needed. If not, you can report the location of your dissatisfaction to the company so they can evaluate performance in a more professional direction. Car Insurance Moving Tips If you are sure you want to move car insurance, here are tips that can be used as a guide: 1. Check the New Insurance Company Record Trace If the desire to move insurance is unanimous, look for as much information about the new company. See the track record or history of insurance work experience. If the track record is good, you can join the customer. If the results are not good, you can look for other references on the internet. 2. Complete the Required Documents Administrative matters such as completeness of documents must not be ignored. Bring the required documents in full. Starting from the STNK, BPKB, proof of tax payments, and identity cards. If this document is left behind, it is not impossible if the insurance company thinks that the car is a stolen car. So, keep all the documents carefully. 3. Contact the Old Insurance Company Every time you want to move to another insurance, do not forget to tell the intention of this move to the old insurance company. However, old insurance needs to know that your name can be deleted from the policy list immediately. Whatever activities that still have to do with the car, try to tell the insurance in detail. If the old insurance company is kind, they can help you to take care of all the documents as soon as possible. No Need to Doubt, Move Car Insurance at the Right Time Survive or move car insurance, the choice is yours. However, it would be better if the desire has a clear reason and done at the right time. Because moving to another heart when the premium is still running is a bit of a hassle, because you have to prepare various documents in full to facilitate the insurance transfer process.

Immediately replace car insurance when experiencing this

Considering the price of the car is not cheap, insurance is always taken into consideration when wanting to buy this four-wheeled vehicle. No wonder the competition between insurance companies is increasingly competitive from year to year.

Various interesting ways were carried out so that people are interested in joining certain insurance. Because they are tempted by big profits, many people choose the wrong insurance company, so that there arises remorse and intention to move to another insurance.

Are you also experiencing the same thing and want to move insurance? If so, here are some reasons why you need to move car insurance and may not delay this desire again, as quoted from Cermati.com .

1. Advantages Not in Accordance with Expectations

Policies regarding the benefits provided by insurance often change. If the amount of profit does not match the initial expectations, you may leave the current car insurance and move to another insurance.

Before officially moving, make a comparison between premium costs and profits. If the results are not balanced, you can decide to immediately move to a new, more profitable insurance company.

2. Insufficient amount of protection

Are you also experiencing the same thing and want to move insurance? If so, here are some reasons why you need to move car insurance and may not delay this desire again, as quoted from Cermati.com .

Does the protection provided do not correspond to the amount of coverage that should be? If you have experienced this, it is natural to want to replace insurance that offers better protection.

Moving insurance can also be done when your needs change, but the company does not offer those needs. For that, know the specific needs so that there are no regrets when you have changed insurance.

3. Submitting a Complicated or Late Claim

The claim process should be easier if the submitted documents are complete. However, there are companies that make claims difficult for some reason, so you have to fight for yourself until the insurance money is sought.

If this happens to your car insurance, without thinking, you should leave the insurance. In order not to choose the wrong insurance for the second time, look for complete information about the benefits and procedures for claim in detail.

If necessary, ask other people at discussions or online forums that talk about car insurance. So you get complete and accurate information.

4. Services Not Satisfactory
In addition to the benefits and ease of claims, you must pay attention to service too, right? It is undeniable, quality services are needed in service companies.

If customer service does not provide satisfactory services, such as being difficult to contact or information provided is not helpful, you may change insurance.

In this case, insurance must be able to behave professionally, especially for customers who have remained loyal from the start of the pioneering. If insurance does not immediately change its services, it’s time you move to another heart.

5. Limited Partner Workshop

Any type of insurance must have a working relationship with certain parties, including car insurance. Car insurance should cooperate with a number of workshops in the area where insurance operates.

The more partner workshops, the better because customers do not need to laboriously look for the workshop address when needed. For that, ask the number of partner workshops to the company when they want to register insurance.

Make sure the services provided by each partner workshop are satisfying and as needed. If not, you can report the location of your dissatisfaction to the company so they can evaluate performance in a more professional direction.

Car Insurance Moving Tips

If you are sure you want to move car insurance, here are tips that can be used as a guide:

1. Check the New Insurance Company Record Trace

If the desire to move insurance is unanimous, look for as much information about the new company. See the track record or history of insurance work experience.

If the track record is good, you can join the customer. If the results are not good, you can look for other references on the internet.

2. Complete the Required Documents

Administrative matters such as completeness of documents must not be ignored. Bring the required documents in full. Starting from the STNK, BPKB, proof of tax payments, and identity cards.

If this document is left behind, it is not impossible if the insurance company thinks that the car is a stolen car. So, keep all the documents carefully.

3. Contact the Old Insurance Company

Every time you want to move to another insurance, do not forget to tell the intention of this move to the old insurance company. However, old insurance needs to know that your name can be deleted from the policy list immediately.

Whatever activities that still have to do with the car, try to tell the insurance in detail. If the old insurance company is kind, they can help you to take care of all the documents as soon as possible.

No Need to Doubt, Move Car Insurance at the Right Time

Survive or move car insurance, the choice is yours. However, it would be better if the desire has a clear reason and done at the right time. Because moving to another heart when the premium is still running is a bit of a hassle, because you have to prepare various documents in full to facilitate the insurance transfer process.

Want Car Covered Insurance When Flooding, Peek Additional Costs

Want Car Covered Insurance When Flooding, Peek Additional Costs

When floods occur, vehicle insurance is able to ease the burden of loss in the event of damage or loss.

However, the expansion of insurance needs to be done by vehicle owners if their favorite cars want to get protection from disasters, such as floods.

“The name is extended collateral, because the standard for comprehensive insurance and TLO is not covered . Customers can ask for an extension or endorsement to the insurance. Some insurance companies have bundled the policy including this extension,” said Communication & Event Manager of PT Asuransi Astra Buana (Garda Oto ), Laurentius Iwan Pranoto to Liputan6.com , Monday (1/6/2020).

When alluding to the expansion costs that need to be incurred, Iwan stressed the vehicle owner only needs to add 0.3 percent of the price of coverage.

“Make sure and check again the coverage if it includes expansion of natural disaster insurance. If you want to add approximately 0.3 percent of the price of coverage ,” he said.

The owner does not need to worry
In addition, Iwan emphasized that the owner of the vehicle did not have to dismantle his vehicle or attempt to repair it in the event of a flood damage.

“If there is coverage , submerged cars don’t have to try to be mechanical because they can get worse. After all, insurance is covered too. Just call insurance for claims and the car is carried to the garage,” he said.