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Still Think Car Insurance is Understated? Understand the Benefits First

Still Think Car Insurance is Understated? Understand the Benefits First
Still Think Car Insurance is Understated? Understand the Benefits First

Having vehicle insurance for some people is still considered a less important thing. They think there is no point in insuring their favorite car.

After all, if the car is driven carefully, then the possibility of an accident will not occur. The myth is, how to claim car insurance is difficult, the procedure is convoluted until the funds needed are liquid.

But all these assumptions are not true, because you have to understand that car insurance has many beneficial benefits. Car insurance is not only a means of compensation in the event of an accident, but also as a maintenance investment.

Just imagine if you get compensation for every risk that occurs in the car. Of course, you don't have to worry about spending a lot of money just to fix it.

For example, if your car accidentally hits the fence, causing a scratch on the front of the car, then you don't need to spend money to repair it because it will be paid for by the insurance company.

By having vehicle insurance, all these risks can be minimized because there are so many attractive protection extensions offered by insurance companies. How to buy car insurance is also getting easier in today's online era, of course, you can already buy car insurance through an online system.

How to Buy Car Insurance Online

The main convenience that can be directly felt from buying insurance online is practical. It doesn't take much time because all processes starting from transactions, application processes, status updates and checking are done online. Of course this will not interfere with your other activities because purchases can be made anywhere and anytime (real time).

In addition, you also don't have to bother sending the documents needed to register such as ID cards, driver's licenses, vehicle registrations and others. This is because all documents can be uploaded via the internet. Filling out the insurance application form is also done online. Check out the following reviews of careful tips for buying car insurance online:

1. Perform Insurance Product Comparison

Everyone wants the best insurance product for their car. If possible, all possible risks are covered by insurance. Therefore, do a comparison between one insurance product with other similar products before buying. You can do this method online through a comparison site that offers car insurance.

Pay attention to attractive offers provided by insurance companies to protect your car later. Not all insurance companies offer the same protection. In terms of insurance policies and interest alone, each company is different.

But keep in mind, not the one that offers the lowest insurance premium means the cheapest, try to pay attention to the cheap insurance policies offered whether the insurance provides protection that is in accordance with your wishes. This means whether the insurance provides comprehensive protection or only for certain things.

In addition, you can also read testimonials from people who have applied for certain insurance products as a reference. From there, you can also consider whether the insurance product is in accordance with what you are looking for.

2. Choose the Right Type of Car Insurance

Basically there are two types of insurance protection offered, namely All Risk and Total Loss Only (TLO). The difference lies in the type of protection provided. For All Risk insurance, the insurance company will cover all risks and damage to your car. This means that all minor damage, severe to loss can be covered by All Risk insurance.

In contrast to All Risk insurance, Total Loss insurance will only cover losses that cause the car to be damaged more than 75% or the vehicle to be stolen (lost). For minor damages, this type of insurance cannot cover it. However, for business premiums, this type of insurance is cheaper. This you must understand, and determine the type of car insurance that suits your needs.

3. Add Extended Protection

For those of you who have thought that insurance is only for protection when the car is damaged in an accident or lost due to theft, it means that you don't really understand the benefits of insurance. Currently, insurance companies have expanded their type of protection against possible risks, known as extended protection

When you buy insurance, you will be given the choice of the extent of coverage you want. Later the selected expansion will be added to the car insurance policy and will be included in the insurance premium. The extension of protection offered by insurance companies includes riots, natural disasters, terrorism, sabotage, bodily injury or death to passengers, passenger liability and third party liability.

Of particular interest is the liability of third parties. By choosing this expansion, the losses suffered by third parties will also be borne by the insurance company. For example, if your car is involved in an accident involving another car, causing a loss to the car, you don't have to worry about paying compensation because with this protection the insurance will cover it.

4. Observe the Insurance Claim Process

Sometimes the thing that makes people reluctant to buy insurance is the claim process which is considered complicated, even though it is just a figment. As long as you know and don't violate the procedure, your insurance claim process is easy to process. Insurance officers will also be happy to assist you in managing claims. Don't be afraid to ask them.

Understand all the information about your auto insurance claim online. Every car insurance product has a clear and informed claim procedure. If something happens to your car, you can immediately report it to the insurance company.

Do not delay in reporting because the time limit for reporting is generally 3 X 24 hours. After that prepare the required documents, this is not as complicated as an estimate because you only need to prepare a driver's license, vehicle registration, insurance policy, and a certificate from the local police. Don't forget to also attach a claim form that must be filled out and signed.

After that, just wait for the process from the insurance to give the green light to take your car to the nearest partner repair shop. The car will be repaired by the mechanic and the vehicle will be ready to be used again.

Apply now before it's too late

For those of you who already have a car but do not have insurance, apply immediately to get maximum protection. Don't be late because disaster can happen anywhere and anytime. No need to be complicated to choose the right vehicle insurance because now there is a comparison site that can be used. The premiums offered are also quite cheap and will not burden the monthly expenses. Now, what are you waiting for?