SWDKLLJ on STNK, Function and How to Liquidate It

When you are about to pay your motor vehicle tax, you have probably seen the term SWDKLLJ on the vehicle registration certificate (STNK). So what does this term mean? And what is its function? For more details, please pay attention to the following review.

What Is SWDKLLJ on STNK?

For motor vehicle owners, you are certainly familiar with the term SWDKLLJ. This term usually appears in the list of annual tax costs on the STNK. SWDKLLJ itself is an acronym for Mandatory Contribution for Road Traffic Accident Fund. SWDKLLJ can be considered as an insurance guarantee for the safety of drivers.

If a driver experiences an accident, this insurance guarantee will later be provided to the accident victims. The payment of SWDKLLJ is usually made together with the payment of the annual motor vehicle tax. The payment regulations are stated in the Regulation of the Minister of Finance of the Republic of Indonesia Number 16 of 2017. If you are late in paying, you will be subject to a tax penalty of 25%.

Function of SWDKLLJ

As previously explained, SWDKLLJ functions as accident insurance for drivers. The insurance received includes the costs of accident treatment, death contributions, and burial costs for accident victims.

How to Claim and Withdraw SWDKLLJ

Knowing how to claim and withdraw SWDKLLJ is something that all motor vehicle drivers need to know. Because this insurance can be used when you become a victim of an accident in the future. The steps to claim and withdraw it are as follows.

1. Meet the requirements for withdrawing SWDKLLJ

If you want to claim and withdraw SWDKLLJ, you need to know the claim requirements as follows.

Attach a medical certificate and an accident report from the police.
Attach documentation evidence of the traffic accident.
For accident victims who died, the family must attach a death certificate issued by the hospital.
Attach receipts for treatment costs, along with medications issued by the hospital officially.
For accident victims who suffer permanent disabilities, a disability certificate from a doctor must be attached.
Attach a power of attorney from the victim's relatives if the claim is made by someone who is not a relative of the victim.
Attach the ID card and driver's license of the accident victim or the relevant party.
Attach the STNK and SWDKLLJ.
Attach supporting documents such as birth certificates, marriage books, family cards.

2. Submit a claim to the SWDKLLJ management

After the above requirements are complete, you can submit a SWDKLLJ claim to the management. As is known, SWDKLLJ is managed by Jasa Raharja. The complete steps to claim are as follows.

Attach the claim requirements documents for SWDKLLJ.
Visit the nearest Jasa Raharja office or it can be done online by visiting the site https://www.jasaraharja.co.id/main/Input/Pengajuan.
Once you have submitted the claim, the management will conduct a data assessment process.
If the documents are approved, the management will contact you to provide the compensation funds. However, if the management does not notify you within a month, you need to follow up directly at the Jasa Raharja Office.

Please note that claims or withdrawals of SWDKLLJ are not valid if the accident victim does not submit a claim more than six months after the accident.

Amount of SWDKLLJ Compensation

Here is the amount of SWDKLLJ compensation received by accident victims.

For deceased victims, heirs receive compensation of Rp50,000,000. If the deceased victim has no heirs, they will receive compensation of Rp4,000,000 for burial cost reimbursement.
Disabled victims receive compensation of 5% to 100% of the death compensation fund.
Victims taken to the hospital will receive a maximum compensation of Rp500,000 for ambulance cost reimbursement.
First aid costs of Rp1,000,000.
Health care costs up to a maximum of Rp20,000,000.

Well, that is the review regarding SWDKLLJ, its function, and how to withdraw it. Although SWDKLLJ can be used as an insurance guarantee, you should still be careful while driving. Don't forget to service your car at a Daihatsu workshop before traveling.