How to Claim Scratched Car Insurance, so that the claim is not rejected

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You can make a scratched car insurance claim in an easy way after knowing what is needed in the claim process. Usually the most important thing is the completeness of documents for insurance claims. So, you also have to make sure in advance, what documents are needed to file a scratched car insurance claim.

As we know, cars that suffer minor damage such as abrasions can occur when we are driving. Therefore, having car insurance is the most appropriate solution to protect your car from all risks. Especially if you often drive and have a fairly high mobility.

Car insurance provides protection for policyholders from minor, moderate, to serious damage or car loss due to robbery. In addition, those of you who already have car insurance can also expand the benefits of car insurance protection such as protection against natural disasters, to mass riots. Because riots in a city can also cause your car to be damaged. Sometimes the raging mob ruthlessly destroys various items in front of them, including parked cars.

In addition, the high number of accidents in Indonesia is also one of the considerations for people to buy car insurance products. Because, minor or serious accidents can happen at any time. Buying a car insurance policy will make a person more comfortable driving because there is financial protection obtained by having an insurance product. Thus, the damage that occurs, whether small, medium, or serious damage, can get a claim and compensation from the insurance company.

Types of Car Insurance

This is what makes a person have the decision to buy a car insurance policy. To find out how to claim scuffed car insurance, first know what type of car insurance you have. Because, not all car insurance provides the same protection. The type of insurance adjusts the choice of the policyholder at the beginning of the purchase of car insurance products.

There are two types of car insurance, which exist in Indonesia. The first is total loss only or TLO car insurance. As the name suggests, this total loss only car insurance only provides a claim if the insured car is damaged by 75 percent or more. Less than that, you will not get a claim.

This means, if the damage to your car is less than 75 percent, of course you can't file a claim properly. However, this type of TLO car insurance has affordable premiums, making it the choice of many people. Especially for those who have used cars. However, remember not all types of cars can get this insurance protection. You must communicate this to the insurance agent, in order to get the appropriate protection.

The second type of car insurance is All Risk or Comprehensive car insurance. This insurance provides comprehensive protection against the risks that may be experienced by the car. For example, even minor to moderate damage will still get a claim. Just a little scratch, you can get an insurance claim. However, this is also directly proportional to the premium price you have to pay. This does not include the cost of extending car insurance coverage, such as flood conditions, riots, earthquakes or tsunamis, as well as sabotage and terrorism.

In conclusion, this scuffed car insurance claim is usually made for people who have an all risk insurance policy. Scratched cars are part of the minor damage under 75 percent. That is, the way to claim scuffed car insurance is the same as all risk insurance and comprehensive insurance. Here's the easiest and simplest way to claim scuffed car insurance:

1. Prepare the necessary documents

Make sure the necessary documents and requirements for auto insurance claims are scratched. Prepare this equipment before contacting the insurance company. The documents required to file a scuffed car insurance claim include a photocopy of your vehicle registration license, a photocopy of your driver's license, a photocopy of your insurance policy, an insurance claim form and a police statement if the car is scratched due to an accident.

2. Telephone the Insurance Office

You can go to the nearest insurance branch office and contact the insurance first. Now don't be confused, you can contact the insurance concerned by phone or email. After that, follow the instructions from the officer regarding filing an insurance claim.

3. Photo of Car Condition

You also have to show a photo documentation of the condition of the car that has abrasions, to be able to get an insurance claim. Email the photo to the car insurance company. Don't forget to provide honest and truthful information so that your insurance claim is not rejected.

4. Fill in the form

Don't forget to fill in the form provided by the insurance company. After that, you also have to be able to explain about cars that can have abrasions. That way, the insurance company knows the cause of the damage to your car through the chronology of events or through an inspection at the workshop.

5. Third Party Documents

If the damage you suffer comes from a third party, you must also prepare the documents for compensation. Contact the insurance company to get details of what documents need to be prepared if you want to file a claim due to a third party.

6. Visit Insurance Partner Workshop

You can also go to or contact the repair shop which is your car insurance partner. After that, don't forget to fill out the form provided at the workshop. If your claim is approved, you can immediately repair the scratches on your car at the partner workshop.

Well, these are some steps you can take to claim scuffed car insurance. To get a claim that matches your insurance policy, don't hesitate to ask the insurance officer or insurance agent where you applied for an insurance policy. If you are going to file a claim, don't forget to include photos to strengthen the requirements document.

Make sure you have strong evidence to show damage to the car, no matter how small it is. Because if you are proven to be lying in providing information regarding car damage, then you will also be the one who will lose money in the future. Therefore, insurance companies will also be more careful in disbursing insurance customer claims. This is because of the level of urgency and damage suffered.

So that Insurance Claims Are Not Rejected

Submitting a claim is not always smooth and immediately accepted. There are several conditions that make insurance companies reject claims submitted by policyholders. Therefore, you should know what things can make your car insurance claim rejected.

It's troublesome if you have prepared various equipment and required document requirements, it turns out that the claim you submitted is actually rejected. So, pay attention to the following things so that your insurance claim is not rejected:

1. Polis Child

The condition of the lapse or inactivity of the policy will automatically make the insurance claim rejected. This policy lapse occurs due to premiums that are in arrears for several months. If the policy is in an inactive condition like this, the insurance company will automatically not want to pay the claim that you have submitted.

2. The damage has been done before

Damage that occurs at the beginning before the insurance policy is owned, will also not be able to get a claim.

3. Breaking the Rules

Claims will also be rejected by the insurance company if the driver violates traffic rules. For example, not having a driver's license or drinking alcoholic beverages while driving and other violations such as parking not where it should be. Claims will also be rejected if the policyholder drives recklessly.

In addition, pay attention to the area and location of the accident. If the car that has a scratch occurs while in a certain area and is not included in the contract agreement recorded on the policy. Claims will usually be approved if the event occurs in certain locations. So, if you have an accident overseas, you cannot file a claim.

4. The police are not in the waiting period

The waiting period is a period of about one month after the policy is issued. You cannot make a claim during this waiting period. So, if the car has a scratch, the cost will not be covered by the policy.

5. Intentional Damage

Cars that are scuffed on purpose, such as crashing the car into another car or hitting the vehicle so that it is crushed or damaged, cannot get a claim. You also cannot file a claim if during a flood you accidentally hit the flood and the machine got water in.

If this happens, then avoid driving when it's flooded. If you are caught in a flood, then the thing you need to do is immediately call the insurance company's call center. Do not start the engine so that the engine is not damaged. Wait for direct advice from your car insurance company to get the right treatment.

6. Additional accessories Not Reported

The addition of car accessories should be reported to the insurance company by attaching the sum insured. So, if a claim occurs, the car accessory can still get cover from insurance.

If you do not report additional car accessories at the time of purchasing the policy, then the damage incurred is not included in the claim. So, most likely the claim will be rejected. So, it would be better if you report every accessory that you add to the car in order to get protection according to the benefits that have been paid.

7. Incomplete Documents

If the documents are incomplete, insurance claims cannot be submitted. So, make sure to prepare all the necessary documents in full according to the requirements of the insurance company. In order for the claim process to run smoothly, you must also pay attention to the time limit for insurance claims that must be made. If the claim processing exceeds the stipulated time limit, it is very likely that the car insurance claim will be rejected.

(Also read: Just bought a car? This is car insurance for new drivers )

This is how you can make a scuffed car insurance claim that you can do easily. So that you can get financial compensation from the insurance company, you should check the completeness of the documents and requirements. You can prepare some of the documents needed in advance so that the claim process runs smoothly. Make sure you do not exceed the time limit agreed in the policy. Read the car insurance policy carefully so that you can get the maximum protection benefits from car insurance. 

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