Nowadays, car insurance companies can be found easily. In Indonesia, at least there are 10 insurance companies that can be trusted. However, you are not suggested to choose company as you like because there is much possibility not to feel satisfied at last. For this, you should think twice before taking any decisions. Anyway, if you want to buy car insurance at a company in the short time, consider asking these questions so you can take the right decision:
What are the risks of broken that are insured by car insurance company?
Some car insurance companies only want to guarantee your car if it gets broken that is caused by car accident. This means that when your car gets damage by riot, natural disasters, and terrorism, you will not get compensation. This is limited protection and you are highly recommended not to buy this car insurance. Ideally, purchase car insurance that guarantees all risks of broken that is caused by car accident, riot, natural disasters, and terrorism.
Besides, ask about car theft whether you can get compensation if your vehicle is stolen. If car insurance does not provide it, don’t choose that company.
Do you get towing service?
This service is often assumed not important whereas it helps you when your car breaks down. Imagine what happens next if you deal with this problem in unsafe area. If you just leave your car, you will lose it soon. Because of this, towing service is the right solution to solve this problem. Ask insurer whether you get towing service or not. If insurer answers no, you should not buy car insurance there.
How long is claim processed?
My friend bought car insurance in 2011 and in 2013, he got car accident which made his car get serious damage. He claimed his policy, but the process was too long. The worst part is after waiting for a long time, his claim was not approved so he was willing to spend a lot of money. Fortunately, his parents helped him pay out medical and auto repair service bills at that moment. Based on this experience, you should ask insurer about how long claim is processed. If it takes two or three months, leave that insurer and find other ones. Ideally, after following claim procedure well, claim is processed maximum one month, especially if the number of dependents reaches millions of dollars. Insurer needs time to process and give much money.
Well, if you are still confused of finding the right car insurance company, consider trusting PT Asuransi Sinar Mas that already cooperates with Raja Premi. This insurer provides TLO and comprehensive car insurance with complete protection and towing service. Besides, your claim is processed as fast as possible. To get more information, visit http://www.rajapremi.com/asuransi-mobil/partner/Sinar-Mas-Insurance.