Owning a personal motor vehicle, whether a motorcycle or a car, certainly makes getting around easier. However, along with that convenience, you also need to consider the risk of damage your vehicle may suffer. Vehicle damage can be caused by accidents, vandalism, or even natural disasters.
To keep the repair costs you have to cover from getting too large, you should
insure your motor vehicle. With this step in place, the insurer will cover the repair costs at a certain percentage. You can take advantage of this service by filing a motor vehicle insurance claim. Here is the sequence of procedures you can follow.
Gather Evidence of the Damage
Before filing an insurance claim, you should gather evidence of the damage to your vehicle. So, if you are involved in an accident, hit by a natural disaster, or become the victim of vandalism, document the damaged parts immediately. This is especially important if the damage is severe. Having evidence of the damage greatly helps ensure your claim is approved.
Preparing Documents
When you sign up for insurance, the policy lists the various documents required for the claims process. You will bring these documents to the partner workshop, where they will be submitted. Generally, the paperwork for an insurance claim is very easy to obtain. The documents include a photocopy of the insurance policy, SIM (driver's license), STNK (vehicle registration certificate), and a police report if the damage is severe.
Visiting a Partner Workshop
Once all the documents have been gathered, go straight to the partner workshop recommended by the insurer to process the claim. Next, the partner workshop will contact the insurer and survey the damage. Never go to a workshop that is not a partner, because the insurance claim will definitely be rejected.
Then, if the accident happens outside the city, you can file the motor vehicle insurance claim by contacting the branch office. Next, describe the details of the accident and ask the branch office for guidance on the claims procedure. You need to understand that accident claims must be filed promptly, as the maximum deadline is 3 x 24 hours.
Filling Out the Form
When you visit the insurance office, staff will usually give you a form to fill out. Complete the form with clear and accurate information to process the claim. Never take the accident details lightly, such as the time of the incident or even the road number. Also, do not lie, because the insurance provider will verify the information.
If the verification does not match the data in the field, the claim you filed will be rejected 100 percent. Once you have completed the form, all that's left is to wait for news. If your vehicle has only minor damage, repairs will take about 2–3 days and no more than one week. However, if the damage is severe, repairs can take two weeks to a month.
The claims process will take longer if your vehicle needs imported spare parts. This is because the workshop must place an order before it can obtain imported spare parts. As a result, when the vehicle can be picked up cannot be guaranteed. However, most insurance providers and workshops now offer a replacement vehicle for you to use in the meantime.
That is the procedure for filing a motor vehicle insurance claim that you can follow. The claim applies when your vehicle is damaged in an accident, vandalism, or a natural disaster. In addition, the scope of the insurance claim also covers cases where your vehicle is stolen. So, insure your personal vehicle right away before it's too late.
