Here's How and Stages of Car Insurance Claims

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Driving is an activity that is full of risks. Threats can occur anytime and anywhere, whether caused by yourself or other road users, such as a collision. In order to reduce the impact of these risks, vehicle owners usually guarantee their vehicles with insurance . 

So, if you are already registered with a car insurance service , how do you file a claim? There are several ways to claim insurance on your car . 

Here are the ways and stages that need to be prepared by car owners. 

Also read: Know the Causes of Car Tires Bald Faster 

1. Report Immediately The first step is, the vehicle owner must report the incident that happened to his car. By providing a clear report and attaching a photo of the damage to the car to the insurance company, this problem can be followed up quickly.

Laurentius Iwan Pranoto, Head of Communication & Customer Service Management at Asuransi Astra said, for Garda Oto customers, there are various ways to claim insurance. That can be through the Garda Mobile Application that has been uploaded on the vehicle owner's smartphone. 

Then you can also use the call center which can be contacted for 24 hours, or come to the branch office or Garda Center outlet. The last way can be by accessing the official website of Asuransiastra.com.

2. Prepare documents After determining how to claim car insurance, car owners are required to provide important documents when claiming. Claims for loss or damage to parts of the vehicle due to malicious acts, such as theft of rearview mirror/spare tire/radio tape/car beret, etc., 

require the following documents: 

* Fill in the Loss Report and have been signed by the insured 

* Photocopy of insurance policy * Copy of vehicle registration number (STNK) 

* Photocopy of driver's driving license (SIM) 

* Information from the local police Meanwhile a claim for the loss of the entire vehicle due to a malicious act, such as theft, requires the following documents: 

* Filled out a loss report and has been signed by the insured 

* Photocopy of insurance policy * Photocopy of vehicle registration certificate 

* Photocopy of driver's license 

* Statement from local police 

* Certificate of Lost Vehicle Kaditserse from Polda local 

* STNK block letter 

* If necessary, an investigation will be carried out from the Independent Investigation Institute Also read: This is a selection of used cars priced below IDR 50 million in Bandung If the vehicle owner wants to file a vehicle damage claim due to an accident.

the following documents are required: 

* Fill out a loss report and have been signed by the insured 

* Photocopy of insurance policy 

* Photocopy of vehicle registration certificate 

* Photocopy of driver's license 

* Information from the local police and a letter of claim from a 3rd party ( if there is a claim from a 3rd Party). These documents are needed so that the claim submission process runs smoothly and is immediately processed by the insurance company. Next, the company will send survey officers to see in detail the damage to the car. After the survey officer inspects the damage, the vehicle owner will be given advice and recommendations for car repair at the workshop.  

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