Tips to Choose a Good Car Insurance, what car reviews, Inevitably, a prolonged economic crisis that occurred, it was felt difficult by almost all sectors of business activity. This condition is becoming increasingly difficult, if companies have to bear the risks that may occur on the assets supporting activities. Because it is now a good time to transfer risk to the insurance company as a guarantor risk. But choosing a car insurance is sometimes tricky.
You are looking for and confused to choose car insurance?, Maybe a little tips below can be a consideration for choosing a good car insurance:
Make sure in advance who will be selected insurance including insurance category who have received the title Best General Insurance. Because with this certification has been clearly shows that the insurance is reliable, trustworthy, and proven to claim responsibility in serving customers.
2. Cost Own Risk (Risk of Self)
Sometimes back and forth to the garage insurance is also something that makes lazy customers, let alone some insurers apply the claim with a payment system costs OR (Own Risk) or the risk itself. Some are based on per incident, per collision, and so of course it makes you encumbered by having to spend a lot of claims to pay OR if insurance is often to the shop that is not necessarily the work of satisfying the customer because the service station is done by non-authorized repair shop. Sometimes the paint does not mean to make your car body image as if it had devastating collision course this makes low sale value of your car. Although the customer can complain to the insurance, but how long you wasted time loss. It’s good for a very busy and lazy to shop often choose the insurance that insurance should be able to receive 1 (one) claim it but a collection of some of the clash / collision in different events, so maybe in a year is quite a time to the shop or pay enough insurance and the car body you once again smooth as done by trusted repair shop or service station official (authorized). Frugal and efficient.
3. Claims Process
When the insurance claim process should be examined first, there are some car insurance which time the customer receives the claim process once convoluted, sometimes have to argue back when surveyed, and sometimes it took several days just to wait for SPK (Work Instruction) that issued by the insurance company to the repair shop can fix our cars. Things like this make customers feel aggrieved and much time wasted just to wait for a piece of paper / letter. Leave a process like this is already old, you should select an insurance claim that is not complicated when, less than 30 minutes faster SPK is in your hands so you stay determine when to shop insurance.
Many insurers are implementing some of the cheap rate, but it was the work of partner workshops is not qualified and do not satisfy the customer. Sometimes your car’s paint looks uneven even make your car body image as if it had severe collision, this certainly makes the sale value of your car is low. Although the customer can complain to the insurance, but how long you wasted time loss. Pay attention to this and choose insurance with a trusted partner workshops and official (authorized). Remember that your vehicle is a valuable asset, do not underestimate the use of dubious insurance services simply because of differences in the price premium a few dollars only
5. Spare Parts
Spare parts are an important part in your car, make sure the insurance guarantees that use original spare parts and warranty. Be careful with this insurance does not guarantee that fatal consequences.
6. Responsibilities of Third Parties (TJH / TPL) and PA (Personal Accident)
This feature should be observed carefully, because when the incident hit the motorcycle accident collision samples sometimes – sometimes even a 3rd party is much more severe damage than us. Here the role of these features are needed, you should choose liability insurance with a major third party so that you are not burdened with extra costs. So also with the personal accident protection features driver / passenger it is also highly desirable. Choose the insurance that is included with this feature.
7. Free 24 Hour Service Protection
This is a very, very important when you choose auto insurance, many rely solely on car insurance and cheap rates only provide service but its protection is not very satisfactory, not 24 hours service, telephone service is sometimes hard to contact even no one answered, the area of protection also very limited. Leave this concern, choose insurance with 24-hour alert and wide area protection. This feature needs to be considered for those of you who love to travel far (touring).
8. SRCC (Strike, Riot and Civil Commotion – Riots, Strikes and riots & Flood)
This feature is highly recommended That insurance can guarantee risk due to a disturbance of public order committed by a group of people, as well as official actions authorized in taking action against Such interference, whether related to strike work, and bear the civil Unrest That motivated politics. Also Ensure the expansion of insurance losses Caused by water overflowing out of the normal limit of rivers, lakes, swamps, water gate breakdown, breakdown dams, continuous rain That can not be accommodated by the water channel. Damage due to flooding include damage to the interior, exterior, dashboard panels, mechanical, electrical and other damage on the insured motor vehicle. Choose the insurance That has included this feature.
9. Flexible Payment In
Choose a car insurance premium payment is flexible, can be made by cash, wire transfer, or credit card (Visa / Mastercard). This may help your financial management