Your Car is Scratched? Don't Worry, Here are 6 Ways to Claim Car Scratch Insurance
Your beloved car is scratched, but the budget you have is not enough to repair it at the workshop? If so, you don't need to worry because when your beloved car is scratched, you can file a claim for car scratch insurance that is usually provided. If you want to claim this insurance, it is important for you to know a few things so that you can maximize the benefits of the insurance.
So how do you claim car scratch insurance? Here are some ways to claim car scratch insurance that you can do.
Prepare the required documents
One way to claim car scratch insurance that you can do is to prepare the documents and requirements for the necessary car scratch insurance claim. Prepare all the documents completely before you contact the insurance company. Some of the documents required when filing a car scratch insurance claim include a photocopy of the vehicle registration (STNK), a photocopy of the insurance policy, a photocopy of the driver's license (SIM), the insurance claim form, and a police statement if the car was scratched due to an accident.
Contact the insurance office
After preparing all the necessary documents completely, you can contact or visit the branch office of the insurance company. You can reach out to the insurance office via phone or email. After that, you can follow the guidance from the insurance officer regarding the car scratch insurance claim submission. The claim reporting process usually takes a maximum of 3x24 hours after the incident. If you are close to the relevant insurance office, it is recommended to visit in person for quicker processing.
Photo of the car condition
The next way to claim car scratch insurance is to show photos or documentation of the condition of the scratched car to obtain the insurance claim. You can send the photos via email to the car insurance office or by visiting in person. Don't forget to provide clear photos and honest and accurate information so that your insurance claim is not rejected.
Fill out the form
The next step you need to take is to fill out the form provided by the insurance office. After that, you must be able to explain about the scratched car. This way, the insurance company will be able to understand the cause of the damage to your car through the chronology of events or through an inspection at the workshop.
Prepare third-party documents
If your car is scratched due to a third party, you need to prepare documents addressed to the third party to obtain compensation. You can contact the insurance office to get details on what documents you need to prepare when filing an insurance claim due to a third party.
Visit the insurance partner workshop
Another way to claim car scratch insurance that you can do is to contact or visit the workshop that has partnered with the insurance office of your car. After that, you will fill out the form provided by the workshop. If your insurance claim is approved, you can directly repair the scratched car at that partner workshop.
Those are some ways to claim car scratch insurance that you can try. Car scratch insurance is important for those of you who do not have specific funds for car maintenance. If you have done some of the claim methods above, the next thing is to be patient while waiting for the results from the insurance office. The insurance office will conduct a survey of the insurance claim you submitted, which will then be followed up with a vehicle repair schedule. If your insurance claim is approved, the insurance office will issue a work order (SPK) as a cover letter for repairs at the workshop.
