Actually apply for car insurance is easy. The most important is an insurance company determine the options that are really reliable. Just come directly to the companies we select to fill out and learn the content well before the covenant signed.
Specify the type of insurance where the risk to insurance companies. Adjust the risk of a vehicle with us, especially about the nature of the use of vehicles, making year, and additional types of insurance.
Of applications that the company will conduct a survey of the vehicle (the condition and feasibility). The insurance will consider the willingness to become a top backer of our application. Sometimes can also not occur agreement. For example, because the vehicles are known as indemnity insured in other companies. Or vehicle was more than 5 years from the time of submission. But it can also depend on the size of the premium.
That in the application is already listed all the guidelines which is the agreement for the insurer (the insurance) and Insured (owner of vehicle). So that when a claim occurs, there are clear rules for both parties.
Do not be late a Claim
Insurance as a participant, there are things to note. If an experience of time as traffic accidents or theft, you should immediately contact the insurance company underwriter and to report our vehicle to the nearest police station. That is not less important are the files the insurance claim. If not possible because it must be signed in their own hospitals, power of attorney can give to others. This is important as prerequisites do submit insurance claims is a letter from the police or accident information from hospital treatment (if there is a victim). In a period of less than 3 × 24 hours since the incident, we must make a claim. After over 3 × 24 insurance companies already do not serve again. Why should 3 × 24 hours? That period is the stipulation and agreement between all the insurance companies. This is to avoid the occurrence of mis, considering the many factors external to the objects that move in a public place such as a vehicle. With the provisions of the insurance company still need information from other parties will not require a long time.
Thursday, June 11, 2009
How To Submitting Insurance?
Choose the Right Insurance Company
Development of the world's car insurance in Australia from year to year it fluctuates. For example, before the flood or riot occurred some time ago, business insurance services seems not many are or can be quiet. Once the rains came a flood that in some areas of Jakarta, many vehicles that need serious improvement, because the submerged float ago brought water flow. Or, when the riot occurred in the election. Some of the damaged vehicle can not back up to just because all of it charred mass burned. Can be estimated that the loss should be borne by vehicle owners, do not participate because of insurance. May be due to events such as the view that ultimately affect the usefulness for vehicle insurance.
Since then people began to remember back problems will need car insurance. Because of high demand services of car insurance, this is captured by the capital as a profitable business opportunity. Therefore, many car insurance companies appear new. Until now there are over 100 car insurance companies. Of course not all good quality services. This makes the competition among the insurance companies themselves become increasingly strict. During the healthy competition and improve the quality of service to the consumer, the better. For example, the service process claims quickly, emergency assistance on the road 24 hours a day, damages third parties (the victim) to a certain amount, and so forth. The problem is now the concern is going start a war premium rates that are less healthy and more logical not among them. While the service it claims very poor and disappointing. To submit an application before it, we should select an insurance company which is a public, transparent and trusted. Insurance companies healthy, the financial report the results periodically. With financial reports know, we can see that in certain insurance insolvent condition (difficult to meet its obligations) or profitable (profitable). By doing so, we be convinced that the premium we pay in a certain period is not futile. Time consumers have to make a claim, the insurance will meet its commitment. Be careful and do not affected by the offer of insurance premiums are low.
Brief Overview: Endowment
If the insurance measure and / or permanent, only to give the payment at the time of death only, to give you this insurance or the payment phase at the time you are still alive and if the contract has run out you still get the value of a number of insurance that you buy. The problem is, insurance is becoming more expensive because the benefits provided during your life.
You can see examples in education that many insurance is sold in Indonesia, where at the time your child entered elementary school, until the university stage, or get paid (the benefits of living) the amount determined by an insurance company based on the proposal and the amount of the insurance money.
Thus some of the things related to our lives and the importance of planning protection for the family. Type of product should also be considered to fit with what we need.
Brief Overview: Permanent Insurance
This insurance is designed to protect the (family) you forever until you die, how was your age at all. In fact, it can be said that the insurance is contrary to the measure of insurance that provides benefits only in a certain period of time according to the agreement.
This insurance has a cash value that you can usually even loans with interest rates slightly greater than the value of the applicable time of purchase. If you decide on the contract, at a certain time you will get the cash value is available (usually at the top of two years). Insurance purposes can be used as a protection for life so that money you buy this insurance still have any value that can be used as a heritage.
In other words, the money or the premium you pay will not be "lost" as in term insurance. Because the "benefits", the general premium you should pay the amount will be larger rather than term insurance premiums.
Cash value is available depending on the performance of insurance companies, costs the company and the level mortality. Thus they share a few categories that we know in Indonesia. Whole Life insurance, for example, has a fixed premium from year to year and has a cash value in accordance with the insurance company's performance (costs, mortality).
Brief Overview: Term Insurance
Insurance is most appropriate for the interim protection, with the limited time period, usually between 1-20 years. So you can determine the time needed for protection during a limited period of time that the (temporary). This product is inexpensive compared with other types of products, and are usually offered to them under the age of 40 years.
This insurance does not have a cash value. This means that if you died on the specified due, your family will receive the insurance money in full. However, if the expires you have not died, the premium you have paid you will not receive any return fund. So, if you do not die during the the insurance a limited time, the money you "lost".
Term insurance or life insurance measure is basically to offer maximum protection with minimum cost at the time of purchase. Examples can be seen in the use of loan you KPR. If your 15 year loan, insurance bought measure 15 years. This is a practice required by many financial institutions that provide KPR in Indonesia.
Thus, you as a user KPR do not need to buy life insurance for the protection of your KPR. Another example is for temporary protection in planning children's education.
To complete their education if your child still need 10 years, you can buy insurance with the time period of 10 years with a large value as required. This insurance is ideal for people who are still very much need the protection of life insurance, while their purchasing power is relatively limited.
