How to Apply For a Car Insurance Claim Correctly

"Vehicle insurance claim" is an attempt by the policy holder when requesting compensation from the insurance company due to theft or accident against the insured car or vehicle. Following this we will review the procedure for submitting car insurance claims by policyholders.

When your car has been lost due to being stolen or has an accident, the first thing to do is to contact the insurance company within 3 × 24 hours. You can contact by telephone, SMS, email or by coming directly to the insurance company office. This should be prioritized to avoid rejection of the " car insurance claim" that you submit on the grounds of passing from a predetermined period of time.

When you have an accident and the car can still walk, you should bring the car to one of the workshops designated by the insurance company. If the car has been severely damaged, the car should be photographed or documented first. This photo will later be proof that an accident actually happened.

Policyholders must fill out forms provided by insurance companies . This form is one of the completeness documents for car insurance claim approval . Next is to provide information about the chronology of the incident to the insurance company with the correct information. This will later be considered by the insurance company whether the claim will be approved or rejected. In addition, policyholders must complete several documents offered by insurance companies. The documents that must be prepared are as follows:

# Document of accident 

Claim form that has been filled . The new claim process will be carried out by the insurance company if the policy holder has completed the claim form completely. 

Copy or photocopy of car insurance policy. This document will later prove that the policy holder is indeed a customer of an insurance company. In addition, this document is to find out whether the premium has been paid or not. 

-Copy or copy of SIM. 

-Copy or copy of vehicle registration. 

-Certificate from the local police. This document will be considered by insurance companies to provide compensation or not. 

# Third party responsibility documents (if there is a third party) 

Statement of claims for compensation from third parties. This document can be used as a guarantee that the policy holder has caused damage to a third party car. 

Statement of absence of insurance. Generally there are a number of insurance companies that will not compensate if a third party has car insurance . Therefore, this document is a very important requirement. 

Copy or photocopy of SIM / KTP and STNK. 

Certificate from the local police. 

This letter will be proof that an accident happened at a certain time and place.