Vehicle insurance is a life insurance product that protects the insured from the risk of loss that may arise in connection with the ownership and use of motor vehicles. The insurance company will only sell the program based on the ability of customers. If the consumer's ability to meet its implications not insured fell through.
Guaranteed risk Automobile Insurance
1. Loss or damage to the Motor Vehicle In this motor vehicle insurance insured risks caused:
- Collision, collisions, overturned, skidded off the road, as well as a result of defects in materials, construction, defects themselves or other causes of vehicle concerned.
- Evil deeds of others
- Theft
- Fire
- Clap
- Loss or damage caused by events above and other causes during penyebarangan with ferry crossings or other official instrument under the supervision of the Directorate General of Land Transportation.
- Wheel damage if the damage resulted in damage to the vehicle was caused by the accident.
- Reasonable costs incurred for maintenance or transport the insured to the garage or anywhere else in order to avoid or reduce the maximum loss of 0.5% of the sum insured.
2. Liability
Liability that the insured's legal liability to third parties relating to the use of the insured motor vehicle. In this case the insurer will reimburse the insured also write on the losses suffered by third parties that are directly caused by the insured motor vehicle, both were resolved through consensus or through the courts, both of which must receive prior approval from the insurer, the highest number listed in the summary of coverage, which includes:
- Damage to property owned by or under the supervision of the insured, transported, loaded or unloaded from the vehicle insured
- Damage to roads, bridges and other due to vibration, weight of the vehicle or its contents
- Bodily injury or death to:
- Passengers in the insured motor vehicle
- Insured, spouse and children if the insured is peroranganPemegang stock or trustee if the insured is a CV or FirmaOrang who worked on the insured in exchange for services.
- Person who lives with the Insured
- Animal owned or under the supervision of the Insured
3. Risks are Not Guaranteed
- Loss of profits / wages or financial loss due to the vehicle dipergunakannya
- Damage or loss of non-standard equipment not mentioned in the police
- Damage to or loss of vehicles due to embezzlement
- Loss or damage caused by a motor vehicle insured misconduct (husband / wife, children, employees or permission of the insured), such as:
- Another interesting vehicle, racing, rally, for crimes or other purposes than those specified in the policy
- Overloaded or executed by force
- Executed in a state of disrepair
- The driver did not have a driver's license or drunk
- Barred from entering the street / road closed
- The goods are being loaded, unloaded in the vehicle
- Reaction or nuclear radiation.
