This is the Type of Car Damage Covered by Insurance

As a car owner, it is essential to know what car damages are covered by insurance. Not all damages can be claimed under insurance. To find out what car damages can be claimed, let’s take a look at the following review.

Car Damages Covered by Insurance

When it comes to car insurance, not all damages that occur to the car are covered by the insurance company. This is in accordance with Article 1 of the Standard Motor Vehicle Insurance Policy regulation. The following are the car damages covered by the insurance company.

1. Accidents

The first type of damage covered by insurance includes accidents such as skidding, collisions, rollovers, and others. However, the compensation process for such damages can be claimed if the incident was not due to your own fault.

Read Also:  6 Ways to Claim Insurance for Scratched Cars

2. Ship Accidents

The second type of damage covered by car insurance includes ship accidents. Although such accidents are very rare, they can still happen to your car. Damages to the car due to a ship accident can be claimed under insurance as long as the ship you were on was under the supervision of the Directorate General of Land Transportation or other legal authorities.

3. Theft with Violence

The third type of damage covered by car insurance includes theft with violence. If you become a victim of robbery or theft under life-threatening conditions, it is advisable not to resist. You only need to report the incident to the authorities and follow the car insurance claim procedures.

4. Malicious Acts by Others

If your car is damaged by someone else (not a family member, relative, business associate, or someone you know), then the damage to the car is covered by insurance.

5. Fire

Car damages due to fire are also covered by insurance, with the following conditions.

• The car suddenly catches fire while being driven. 
• The fire is caused by a lightning strike.
• The fire is caused by components of the car or another vehicle that ignites.
• The fire is caused by other tools or water used to extinguish or prevent the fire.
• The fire is caused by instructions from authorities when attempting to prevent a fire.

6. Riots

The next type of damage covered by car insurance includes damages caused by riots. Whether due to mass actions or explosions. This is because such damages are already listed in the insurance claim system, namely SRCC (Strike, Riot, and Civil Commotion).

Thus, these are some car damages covered by the insurance company. The number of points that can be claimed under insurance also depends on the type of insurance you choose. 

If you use TLO (Total Loss Only) insurance, then compensation for damages can only be claimed when the car suffers damage of more than 75% or is lost. For minor damages below 75%, you will have to bear the cost yourself. For example, if your car scrapes against another vehicle and part of your car's body is damaged. 

On the other hand, if you use All Risk insurance, then all damages to the car will be fully covered by insurance. Both minor damages and massive damages. 

After reading the above review, are you interested in insuring your car? If so, what type of insurance will you choose? Considering that insurance claims can only be made if the damages are not due to personal fault. It is advisable to regularly service your car at the nearest Daihatsu workshop, so that when there is damage, you can claim insurance.