Otodiva – As we already know, various unexpected risks can occur without warning. It is important for car owners to reduce the potential impact of adverse events by providing additional protection. Although some risks can be avoided with compliance with the rules and good car maintenance, what about situations out of control such as damage caused by riots? Whether insurance can provide compensation for such losses?
“The incident of cars being damaged as a result of this riot is certainly possiblecover and covered by the insurance company if the car that suffers damage already has an extended riot guarantee, crime scene (Strike, Riot, and Civil Commotion or SRCC) on the insurance policy. Therefore, It is very important for policy owners to ensure that the protection provided to their favorite car is ensured that the protection provided is optimal and in accordance with their needs so that they are always safe and comfortable when driving.. Because reflecting on this incident, the risks and losses experienced have proven to be beyond our predictions and desires,” Ujar Head of PR, Marcomm, and Event Astra Insurance, Laurentius Iwan Pranoto.
Without any expansion of the SRCC guarantee, Losses resulting from damage cannot be guaranteed because they are included in the policy's exclusions, which is according to what is stated in the Standard Indonesian Motor Vehicle Insurance Policy (PSAKBI) Chapter 3 sentence 3.1 regarding the exclusion of coverage for losses stating that damage and/or costs to motor vehicles and/or legal liability to third parties directly or indirectly caused by riots, strike, obstruction of work, brawl, crime scene, awakening of the people, takeover of power, revolution, rebellion, military power, invasion, civil war, war and hostility, makar, terrorism, sabotage, and looting.
Thus, The insurance company will provide compensation for losses to motor vehicles damaged as a result of the riots by ensuring re-insurance:
- Policyholders need to make sure they have extended riot coverage, crime scene (Strike, Riot, and Civil Commotion or SRCC) on the insurance policy.
- Policy holders understand the terms of the guaranteed risks, warranty extension, as well as exclusions that apply to the policy to avoid things being excluded so that claims can be accepted.
Final, Iwan also added regarding usage dashcam on cars which is highly recommended because it can be used as supporting evidence for a police report when a loss occurs, making it easier for the claim to be accepted by the insurance company. As well as for insurance owners Garda Auto, claims can be easily accepted if the claim is submitted at the latest 5 days after the incident and follow applicable procedures and ensure that the required documents are completed.
It is important to review the policy you have carefully to ensure the type of protection and extended coverage are as needed. There are two types of coverage namely Comprehensive which provides guarantees for minor types of damage, seriously damaged or even lost, and TLO (Total Loss Only) where repair costs must be greater than or equal to 75% insurance price. Then you also need to expand the guarantee according to your needs in order to provide more protection for the vehicle and the driver so that they feel even better safe and comfortable.
Especially for Garda Oto car insurance customers, if you want to expand your guarantee (endorsement) unrest, crime scene (Strike, Riot, and Civil Commotion or SRCC) so that submitting a claim is very easy anywhere and anytime, You can do this via the Garda Mobile Otocare application at smartphone you or contact contact center Guard Access at number 1500112 who will serve you 24 jam. Not only that, You can also directly visit the nearest branch office or Garda Center. For claims, It is important to remember that reporting losses must be made no later than five working days after the incident by completing the required documents as stated and stated in the policy..
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