Being in a big city, makes mobility increase and to make it easier, you need a vehicle that supports it. Having a car will make the trip feel safer and more comfortable, especially for long distance trips. Buying a car in cash may not be easy for many people. Therefore, a car loan is the best solution.
Enough with some money and complete requirements, the car can be taken home immediately. When buying a car on credit, it is usually equipped with insurance. So, when accidental damage occurs, you can make a claim. Maybe there are still many who are confused about how to claim credit car insurance, here's how.
How to Claim Credit Car Insurance
The way to claim credit car insurance is not much different from a car that has been paid off. As for the steps are as follows. The steps below apply to insurance in collaboration with BCA Finance, Zurich car insurance , and Garda Oto Insurance .
Report Immediately
Conditions on the highway are unpredictable. There is a possibility that your car will be damaged in an accident. The first step to take is to report the incident that happened to the car to the insurance company by telling the details of the incident and attaching a photo of the damage.
Prepare Complete Documents
You must also include complete documents, such as driver's license, vehicle registration, a certificate from the police if the car is damaged more than 70%, and a car insurance policy. The completeness of this file will support a smoother claim process.
Come to the Nearest Branch
The vehicle owner must fill out a claim report and come to the nearest branch. The insurance company will check the completeness of the data and send a surveyor to see the damage to the car. Then, you will be given a repair plan at the workshop.
Claim Through App
As technology develops, you can also make claims easily through the application. Then the insurance officer will contact and approach to directly check the condition of the vehicle at the selected location.
The claim process will be processed and resolved at the selected address. If at any time there is a refusal, then the processing must be through the office address that you chose from the start, not at another address. Choose the event carefully, make sure you can easily reach the address if the claim process is problematic.
Check progress
You can check the progress of the claims submitted through the application. Usually the claim information will change according to the extent of the claim process in question.
By knowing the progress, you can find out the estimated time until the sum assured is disbursed by the insurance company.
In addition, you should check the progress of claims regularly so that you are always updated. If it doesn't change, then you can take action to speed up the claim process by contacting the insurance company of your choice.
Replacement Car During Repair Process
Insurance does not distinguish the status of car ownership. So, cars that have been paid off or on credit will be given the same insurance protection. So whatever happens to the car is the responsibility of the insurance company concerned.
Then, you can also get a replacement car facility. So, during the car repair process, you will be given a car loan from the insurance to accommodate your daily needs.
Please note that not all insurance plans provide replacement cars. Read carefully the terms written in your car insurance policy.
Make sure some important and general things that must be in place such as: comprehensive protection against damage or loss to your vehicle, third party legal liability, driver and passenger personal accident insurance and more importantly are additional benefits available for example, replacement cars, tow trucks, ambulance, mobile claim services, repair warranty and 24-hour service.
How long does the car insurance claim process take?
Insurance always provides a certain time limit for processing claims. After that, the claim can be rejected. Car insurance claims must be taken care of immediately because the deadline is short, only 3 x 24 hours. Then the insurance claim process and workshop work usually takes 3-5 days.
Common Causes of Claims Rejected
Does not complete the required file. If not fulfilled or accidentally forgotten one document, it could be that your claim will be rejected. For that always prepare and complete the documents needed so that your car insurance claim can be accepted by the insurance company.
The deadline for submitting a claim has passed
In addition to preparing the file, you also have to know the deadline for submitting a claim set by the insurance company.
There is a violation of the law
Skipping signs or driving outside the normal speed limit could be a violation of the law that will result in your auto insurance claim being denied.
Manipulated damage
Although not much, sometimes there are policy owners who intentionally damage their vehicles, just to get reimbursement from the insurance. Whether it's intentionally crashing the car, damaging the engine, or doing something to make the car break down. When the insurance company checks and finds an attempted manipulation, or sees irregularities in the damage that has occurred to your car, your claim may be rejected.
Incidents are not included in the risk of liability
You must carefully read the policy and the risks insured. Understand the explanation of all the risks covered and things that are not guaranteed.
How to claim credit car insurance or have paid off is actually the same. Starting from the claim process to supporting facilities when the car is repaired. Get the best car insurance deals at TheNewbie. There is a 25% discount plus 10% cashback, you know!
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