How to Correct Car Insurance Claims

"Vehicle insurance claims" is an attempt by policyholders when requesting compensation on the part of the insurance company because of theft or accident against an insured car or vehicle. Following this we will review the procedure for submitting car insurance claims by policyholders.

When your car has been lost due to being stolen or having an accident, the first thing to do is contact the insurance company within 3 × 24 hours. You can contact by telephone, SMS, email or by coming directly to the insurance company office. This must be prioritized to avoid rejection of the "car insurance claim" that you submitted for the reason that it has passed the specified time period.

When having an accident and the car can still run, it is better if the car is taken to one of the workshops designated by the insurance company. If the car has been severely damaged, the car should be photographed or documented first. This photo will later prove that there was an accident.

Policy holders must fill in the form provided by the insurance company. The form is one of the completeness documents for the approval of a car insurance claim. Next is to provide information about the chronological events to the insurance company with the correct information. This will later become a consideration of the insurance company whether the claim will be approved or rejected. In addition, policy holders must complete some documents offered by insurance companies. The documents that must be prepared are as follows:

# Accident document

1. Claim form that has been filled out. The new claim process will be carried out by the insurance company if the policy holder has completed the claim form completely.
2. Copies or photocopies of car insurance policies. This document will later be proof that the policy holder is indeed a customer of an insurance company. In addition, this document is to find out whether the premium has been paid or not.
3. Copies or photocopies of SIMs.
4. Copy or photocopy of vehicle registration.
5. Certificate from the local police. This document will be taken into consideration by insurance companies to provide compensation or not.

# Document of third party responsibility (if there is a third party)

1. Letter of statement regarding claims for compensation from third parties. This document can be used as a guarantee that the policy holder has caused damage to a third party car.
2. Letter of statement about the absence of insurance. Generally there are a number of insurance companies that will not compensate if a third party has car insurance. Therefore, this document is one of the most important conditions.
3. Copy or photocopy of SIM / KTP and STNK.
4. Certificate from the local police. This letter will be proof that there was an accident at a certain time and at a certain place.