Tips on caring for the car engine

Repair, maintain and keep the car is mandatory for car owners to drive always comfortable and the engine is always in good condition for use.

The latest survey showed that 5 of the 10 accidents could have been diverted to only perform basic maintenance on your vehicle. Only by doing simple maintenance on your vehicle, you can extend the life of your car, help with healthy and stable environmen.

Basic care begins with your basic tune-up. For that you need spark plugs, ignition wires, distributer cap and rotor. Here are some tips to keep your car's engine is always in good condition:

1. your car an oil change every 3,000 to 5,000 miles. Your machine will start making strange noises if not done oil changes. When doing an oil change, make sure you change the oil filter as well. It will be of no use if you are running a clean oil through the oil filter is dirty.

2. Check the tires every month. By checking your tires that will ensure you are not off the alignment causes uneven shed on your tires. Make sure your tires are properly inflated. If tires are under inflated or over inflation, which can cause serious problems later down the road.

3. Check all fluid levels. You will need to check the fluid will include power steering, brakes, antifreeze, washer solvent and transmission fluid. This fluid is essential for safe vehicle operation and running.

4. Check the exhaust when the car is running to ensure that it has a good air flow through it. If the exhaust is installed, make sure you replace it immediately.

5. Clean the battery posts and cable if necessary, and analyze the connection point for corrosion. Check the battery fluid and make sure he has enough fluids, except for maintenance-free battery.

6. Inspect engine belts for every Knicks. Make sure the belt is running on the right track. You do not want to replace the belt or even worse, the water pump while you're sitting on the side of the road.

7. At the bottom of the car, you will find some grease to the grease container moving parts such as ball joints and tie-rod. Poor maintenance of the right parts can put your car into a ditch or even worse cause accidents.

8. Make sure all lights and rear lights work. Check all lights on your car to see if they all work, if they do not, replace it as soon as you can.

9. Check and see if your wipers work. If you turn on your wipers and you have scratches on the windshield, replace wiper when you get a change. You have to see when you go driving on the road.

10.Mengecek starter on the car.

If the car can not be a starter is because the supply of the fuel / air is lacking in the carburetor system (in this case means that the filter is dirty carburetor). Check the filter, remove the filter and clean it with a brush or toothbrush. Do not use a heater such as a hair-dryer and the like, because it can damage the walls of the filter udara.Bila everything is done and there is no progress, take your car to the nearest garage.

The first thing to note is that the car electrical systems, conventional or modern cars are already using CDI (in the sense of all-electronic). If your car has been using all-electronic system, do not try to fix it manually because the system requires a reliable expert mechanic and equipment that only exist in car repair shops.

Usually there are two things that cause the car could not be a starter, first is because the battery is already in less good condition electrical system.

The second is due to supply electricity in a conventional magneto ignition system. If the car can not be a starter is because the supply of the fuel / air is lacking in the carburetor system (in this case means that the filter is dirty carburetor). Check the filter, remove the filter and clean it with a brush or toothbrush. Do not use a heater such as a hair-dryer and the like, because it can damage the walls of the filter udara.Bila everything is done and there is no progress, take your car to the nearest garage.

DEFINITION AND BENEFITS INSURANCE CAR

Is it insurance?

When we think about insurance, the first thought is free from financial losses due to unexpected accidents came from. Since the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses. In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be suffered as a result of unexpected events.

What insurance benefits?

Insurance is known in Indonesia, among others, life insurance, general insurance and health insurance. Insurance is insurance that protects the property and its contents such as houses, apartments, cars and others.

Car insurance is intended to protect from the threat of unforeseen hazards such as collision, theft of car parts or even the car itself is stolen. By protecting the car with insurance, we can drive a car with a sense of calm and safe to travel anywhere.

Types of car insurance coverage consists of:

Combined Insurance (Comprehensive) or All Risk

Guarantee losses resulting from large and small accidents or loss with the imposition of additional equipment / destruction or missing vehicle.

Insurance Total (Total Loss Only / TLO)

Guarantee losses resulting from an accident with a minimum of damage to 75% of the price of coverage or the vehicle is lost.

Besides the basic protection as above, car insurance also provide such insurance expansion law liability to third parties and passengers, melee (Strike, Riot and Civil Commotion), Natural Disasters (Act of God), etc. To find out more about the various terms in the field of insurance, you can see on page Term Insurance.

Nowadays, it is very easy for you to get a car insurance interesting and appropriate to the needs of as many insurance companies in Indonesia are competing by offering interesting programs. The more people who showed that awareness to protect the price of their items from the possibility of danger is getting better.

Insurance companies in the country now compete to provide the best service for the community, both in terms of programs to claim problems

Types of Motor Vehicle Insurance

Insurance is insurance (an agreement between two parties, one party is obliged to pay the fee and the other party is obliged to guarantee fully the dues payer in the event of something that happened to the first party or his goods in accordance with the agreements made. Motor Vehicle Insurance is the owner of a motor vehicle entered into an agreement to the insurer to pay insurance contributions (premiums) are usually per year, but can also be done in a few years at a time and the vehicle insurance is obliged also to provide assurance to the insured vehicle in the case of mild to severe damage repair and replacement of part or all insured motor vehicle if you have a variety of things that damage caused by a variety of things in accordance with the insurance agreement.

The amount of motor vehicle insurance premium is calculated based on the percentage of the price of the new vehicle and the vehicle in the market price if not a new vehicle. The more expensive the car, the percentage is smaller. This percentage is calculated results for the insurance premium to be paid by the users of insurance services to the insurance. In this insurance agreement, the owner of the vehicle / premium payer would have a valid certificate of insurance as insurance participants to have a policy number and contains the selected type of insurance. This policy is useful when going to make an insurance claim.

Types of Motor Vehicle Insurance

Types or kinds of motor vehicle insurance is mostly composed of two (2) types of insurance, namely: type Comprehenship Insurance and Insurance Type TLO (Total Loss Only).

Comprehenship / All Risk: is the type of coverage that must be borne by the insurer to the insured vehicle, namely a guarantee against mild to severe damage and even loss of the vehicle. So, if the vehicle is damaged slightly, then the insurance company will cover all repair costs.

TLO (Total Loss Only): that is a guarantee against loss of any vehicle or if the damage is more than 75% of the price of the vehicle.

Thus, this type of insurance Comprehenship or All Risk is a type of insurance that is widely used in the vehicle passenger cars. While many types of insurance TLO used for freight vehicles and motorcycles.

In addition to the above options, there are a variety of additional insurance packages such as insurance due to natural disasters and others. The amount of premium for All Risk / Comprehenship greater than the premium type of TLO (Total Loss Only).

The cost of insurance claims is around Rp. 200.000, - every time you make an insurance claim per incident. As for the claim TLO around Rp. 500.000, - per occurrence. If the repair cost is less than the cost of a claim, the insurance company itself will give consideration to the owner of the vehicle to do the repairs themselves or through insurance claims. For example, the cost of repairs around Rp. 100.000, - while the cost of insurance claims amounting to Rp. 200.000, - then you should do the repairs yourself just because it is cheap.

For TLO warranty coverage will be reduced each year from the initial price of new vehicles, for example: The first year of the insurance company will provide coverage guarantees 100%, 80% the second year, third year 70%, and so on, because the price of the vehicle each year will continue to decline. Different again if the premiums are paid every year, of course, will remain a guarantee of 100%.

How to Claim Insurance

To make an insurance claim vehicles were damaged, lost, etc., then the various conditions that must exist such as: Photocopies (Photo Copy) Insurance Certificate, Driver's Licence, ID cards, and the cost of claims, Certificate of Loss of Police (if the vehicle missing), etc. This claim must be made within a maximum limit of insurance claims, so that the claim can be accepted and not lost in vain.

Motor Vehicle Insurance is urgently needed in order to obtain assurance assets in case things are not desirable in the future. We can not predict bad things will happen, whether it was an accident, loss, natural disasters and other calamities. With so many party motor vehicle insurance providers today, of course, we can choose the amount of insurance premiums vary.

Things to Know Before Choosing Mandatory Car Insurance

If you just bought a new car, you certainly do not want a new car to your favorite scratched or damaged. Therefore, many car owners who want to buy car insurance in order to be free from the risk of damage to the car. Various companies with a wide range of car insurance products offer many benefits and premiums are mild. However, before you decide to buy a car insurance product, consider some of the following important points:

Reputation Insurance Company

The company's reputation be the first thing you need to consider in choosing your favorite vehicle insurance. You need to find out if the insurance company is credible and experienced in the field of vehicle insurance? Does the company have a good reputation in the insurance claim? Some of these questions can guide you to choose the right insurance company.

Check Needs

You need to look at the need for protection of your vehicle so that you do not spend in to pay a premium that is not necessary. Some important points to consider are age, usability and the type of vehicle you use. For example, if your car is a new car or a car with a high value then you can consider the type of All Risk insurance protection to protect all the big and little risk of your vehicle but if you have a vehicle with a value that is not too high then you can choose the type of insurance total loss only to save on the premium paid.

Networking Workshop

Network workshop to be one important part of the insurance products that need to be considered. The insurance company with a network of workshops across Indonesia widespread become one of the plus points that need to be considered to choose the insurance product.

Additional Services

Some insurance products offer a variety of additional services such as 24-hour hotline, insurance for car owners and tow trucks are included in the insurance product.

understand Policy

You need to understand every point of your insurance policy. Many people who do not understand the insurance policy properly so that there is a misunderstanding with the insurance company if you want to make a claim for compensation.

Use the Product Comparison Insurance Site

As technology advances, you can compare car insurance products quickly by using a comparison site insurance products. You can enter the characteristics of your personal data and the characteristics of your car and then you just choose the insurance products that best suit you. You can try an insurance product comparison website by clicking here

Having noted these 6 key points, you can decide companies and insurance products would you choose. With the benefits of each product, you need to compare the advantages of each - each product and then adjust to the needs and the premium you pay.

Does Hybrid Battery Conditioning Really Work?

Anyone that is even remotely familiar with hybrid vehicles is aware that even with the many benefits they give, there are some potential drawbacks that are necessary to consider. One of these drawbacks, according to mechanics and consumers, seems to be with their battery's longevity, power and all-mighty gas mileage over time. The drawbacks do not affect every consumer and every hybrid on the road - and there are plenty. Current reports estimate some two million hybrid-gas-electric and diesel-electric vehicles on the road in 2013 and the EIA estimates that in 2011, there were nearly 11 million alternative fuel vehicles in the United States. With that many hybrids driven, there are bound to be some battery issues and most have to do with loss of power and gas mileage.

Most consumers are willing to take the risks and many warranties have extended battery coverage to 100,000 in many cases. Most batteries will last well beyond those estimates and can continue to perform as new. But there are some batteries which even after this amount of life just need some new life breathed into them. If a hybrid car experiences a battery failure outside of its warranty, however, the owner is on his or her own when it comes to battery replacement. Consumers who are not aware of the hybrid battery conditioning option may find themselves in awe at current hybrid battery prices, some climbing over $4,000. Dr. Mark Quarto and his team at the Automotive Research and Design have developed technology that can restore a hybrid battery to over 95% of its original performance.

The technology sounds quite mind-blowing, but the question remains - does it work? Many consumers are anxious to save thousands of dollars with hybrid battery conditioning rather than replacing their old battery. Not only are financial savings evident, but many hybrid owners are anxious to enjoy the environmental benefits of this exclusive technology as was one of the original factors in why they purchased a hybrid in the first place. Dr. Mark Quarto is an expert in hybrid battery conditioning and states that his proprietary technology will change the hybrid industry. His familiarity with nickel metal hydride, lithium technologies and the history of hybrid development makes for some very interesting and research-based finds.

If you notice that your hybrid has less power than ever before, or that your fuel efficiency is far below your normal range, your battery capabilities may be under some sort of failure or deterioration. How does a hybrid battery lose performance capabilities? There are two systems that can impact your hybrid's acceleration. Of course, when it comes to traditional cars you only have one propulsion system composed of the engine which goes on gasoline. With a hybrid, you have the engine with gasoline and then you have an electric propulsion or traction system. Both must work together in order to make your hybrid what it is. There are times where the hybrid battery pack may be low on energy and power. When you begin the acceleration process, the hybrid requires that electric traction system to make the vehicle go. If that battery pack isn't providing the proper amount of energy, you may feel the hybrid hesitate or seem more sluggish than usual. If you can identify the cause or work with an auto repair shop specialized in finding solutions for diminishing batteries or acceleration issues, your hybrid can continue to last you for many years.

That is why battery conditioning is gaining so much popularity. Hybrid owners can immediately enjoy their vehicle's performance again. The hybrid battery conditioning is straightforward and costs a fraction of the cost of a new battery. This alone is what consumers are most excited for, and rightfully so. There are thousands of old hybrid batteries filling up landfills across the country. In order to make a difference on the environment, as most hybrid drivers want to do, so hybrid battery conditioning can help eliminate landfill waste.

At an average cost of $4,000 to $4,500, this is a significant investment that essentially eliminates the reason for buying a hybrid vehicle. Hybrid vehicles tend to be a little more expensive upfront but are not necessarily more expensive to maintain during their lifetime, unless you need to replace the battery after the warranty is up. Hybrid battery conditioning eliminates this drawback by costing less and giving your vehicle more life. Because the hybrid battery is an integral part of the vehicle's operation, it is often compared to the vehicle's transmission. Most hybrid batteries do not need to be replaced. In fact, 60-80% of hybrid batteries which were bought new didn't have to be replaced when they were not performing well (when under warranty or not).

The battery system is much more complex, however. The hybrid battery is not one entity but a pack of battery modules. The battery pack is what gives the vehicle its power. Without this battery pack, a hybrid driver cannot and would not get the power or the fuel efficiency it claims. The Toyota Prius battery, for example, consists of 28 individual modules and when there is a battery pack issue, it is most likely due to one of the modules, not all of them. Each of the 28 modules has its own health state and at any given time they can be at a different state. Over time, the battery modules in the worst state in that pack end up triggering a diagnostic code and that sometimes can force a dealer or repair shop to replace the battery. However it may be that one or two of the modules need to be replaced and not the entire pack or the battery could just be imbalanced or low on capacity. Low capacity is where battery conditioning comes into play and is very common. Conditioning means that the pack is cycled (top charge taken down to zero then back to 100%). This is good for the battery pack and the cells but can also help diagnose any pack issues.

All in all, hybrid battery replacement is one of the most critical issues facing hybrid drivers. With hybrid battery conditioning as effective and as efficient as it is, drivers have another option for extending the lifetime of their hybrid and supporting a cleaner environment. Reconditioning a battery has been found to add about six years to the vehicle for one-fourth of the price of replacing the entire battery pack. It has been proven to improve fuel efficiency and increase power and has been highly recommended by consumers all over. Is it worth a shot? Absolutely. When shops can guarantee the advantages mentioned above, it is well worth it.

How to Easily Determine Vehicle Insurance

Still confused to choose which car insurance company should you register? Do not think too hard. Because, in fact, choose how the coverage and protection that you would dapatkanjauh more important than choosing an insurance agent where you should take.

However, before you agree with this opinion, the main thing to know first is the need of insurance you have, and cost. For best results, how easy it is to compare online. So, what should you know? Quite read these 2 things?

scope

Although the insurance policy and the cost of any insurance company is different, there are three basic coverage can be your consideration.

How insurance covers? If the accident is your fault, the insurance company will usually cover the damage, including the treatment of injuries and damage to the vehicle.

When will the improvements be made? Here, the insurance company will pay for any kind of improvements made after the accident. For convenience, be sure also to wear workshop partners who are cooperating with the insurance that you take.

What protection? What is protected. All types of losses, ranging from theft, flood, fire and other whether it will be protected? Some insurance agencies do not cover some specific types of accidents. So, make sure you know all the details - and the exclusion of existing policies. Some insurance companies offer protection for drivers who are not insured.

Remember! The insurance company has some rules about the type and amount of insurance coverage required. Most lenders want to package coverage to protect the car in any kind of accident.

So, how much is appropriate?

  Vehicle Insurance

type of Vehicle

Protection type

compare

For mengatahuinya, try to find out how much time you spend with your vehicle, and the dangers that may occur in daily activities that you do (roads, parking, and others). By knowing these things, then you can find out the coverage needed.

If your vehicle has a dangerous condition, you may want to add consideration of wider coverage. However, if your car is mostly stored in the garage, you probably do not need as much protection coverage taken cars that often circulate in the streets of the city every day.

Do not be afraid, for this purpose, broker / insurance agent will ask you about your driving habits are. Therefore, an agent can determine your chances of having an accident and offer an insurance plan that is appropriate for you can take. Some costs will be reduced if you rarely drive, work in a place far to drive, and other habits that held your driving.

You also have to consider where you live, work or go to school. Is there any possibility to worry that your vehicle may potentially be stolen or tampered with? Consider all of these things to choose an insurance plan to be retrieved. By doing so, you will be able to easily increase the sum insured if necessary.

Reasons to Choose the Best Vehicle Insurance

With so many options available today, sometimes you are confused to choose a car insurance that could fit. So that no one chose, the following are some of the reasons that can be used as guidelines.

In fact, with the enactment of the premium rates in 2014 by the FSA (Financial Services Authority), insurance costs between the company of one another are now relatively common. With the rules and even then, the insurance company driven to better compete with the services provided. Out of it all, actually many reasons that can lead to service a car insurance said to be unsatisfactory. Everyone always wants to get a reliable car insurance, including you one of them. Well, here are some reasons and any questions that you do not select a vehicle insurance and end up getting the best insurance you need.

Claims experience

How insurance claims service you have previously or currently? Whether the response is quite slow, always shifting responsibility when filing a claim, or have to struggle in order to process the claim can be done? If the answer to it all is yes, then, without having to think again it's time you move or look for other insurance services. Therefore, before choosing your insurance shall compare them first. Try to find the complete source for comparison. Whether it's obeying insurance online forums, or ask the nearest person; friends, family, and friends. Join an online discussion forum insurance here.

Price (More) Expensive

Although a predetermined fixed rate, but because you want to add some extra protection previously not you get, the price was certainly likely to rise. Here the comparison is very useful for you. Therefore, there are two important questions that are usually asked when registering your insurance; how much premium you have to pay and the services that will be available next? Whether it's you who want to register a new, or who want to make the process of renewal, the two questions was the main question that always wanted to find the answer. Here the comparison is needed. How easy are you doing in the online comparison portals are sufficiently complete and reliable.

Please visit our landing page, for those of you who want to know and compare the best car insurance with a new tariff in 2014.

Considered guarantee Less

What guarantee do we expect from the vehicle insurance you list? Of course, the safety and comfort reasons, of course is a complete assurance that makes you calm to drive at any time. That question may be appropriate for the new register. But for those of you who already have insurance before, the question is whether the insurance company owned not currently have the best type of coverage for specific needs that you want? If the answer is yes, then it's time to find an insurance company that can give you the protection you want.

Hotline Hard Contacted

Because the goal is to protect you in the case when the risk of unexpected or emergency override, then the service hotline that can be contacted at any time is important enough for a vehicle insurance. However, what would happen if the time it takes, you are difficult to contact customer service, either by phone or email? Or, you've been a loyal customer for many years, but the service provided sudden unprofessional? Admittedly, ayanan bad enough customers can be a major cause many people to flee to move from one insurance provider to another.

Workshop Unsatisfactory

Insurance is a protection. However, what would happen if when you make a claim, handling workshop gave unsatisfactory service. For example, the resignation of time pengerjaaan repairs done, the results are less than satisfactory repair, or other things. One answer, find another insurer.

Those are some reasons that can make you to move other insurance. If you are newly registered insurance, try to find information, whether such things are written that often occur. If the answer is yes, compare some other vehicle insurance that may be able to provide the needs of the protection you need.

How to Select a Car Insurance

Determine car insurance is not easy. You need to look at the type of insurance and insurance products compare with other cars.

However, do not be afraid. In today's digital age, you can compare the different types of car insurance you need by way of online. Car insurance online at the program can display a variety of advantages and benefits of each provider of insurance products and benefits it offers. That way, you can easily compare car insurance products needed.

Therefore, there are some things that need to be addressed so that you can choose the best insurance. Accuracy in choosing can provide a significant impact on premiums and guarantee or insurance that will get. Anything? Here's the description.

Check Information

In choosing a car insurance, you shall see that the insurance products in detail. Such as claims handling, policy renewal, workshop partners, and payment procedures. Make sure the insurance company is the target you have a responsive handling, such as for questions, requests, service, feedback, and suggestions. Find out this through site visits auto insurance company you want to select. A number of insurance company websites and even then usually provide a variety of information that can menajdi your input. And, the list can help you make a decision. Or, search for information by asking relatives, friends, or family who have previously registered the previous car insurance. Therefore, the information of them can be considered valuable to you in choosing.

Check Forum

Through online, you can easily find the information needed. Try to visit the online forum a forum for people to share about a particular topic or theme, including car insurance forum. Engage in this forum to obtain the opinions of various people about insurance companies. Therefore, a forum usually have experts who are involved in it and can answer any questions.

Check Company

When choosing an insurance company, you definitely choose and compare the premium offered. Currently it has no rules of the FSA (Financial Services Authority) regarding the determination of insurance premium rates in 2014. And, in the setting of tariffs every insurance company must follow these rules. But, of course you do not inginmendapatkan low premiums of the insurance companies will go bankrupt when filing a claim. Therefore, an important step that can be done in this case is you can see the performance of the insurance company to be listed. Try to check through a search engine. Usually, most of the insurance companies in the site will complement the financial statements in the form of a PDF that can be downloaded and viewed. Alternatively, you can check it through insurance news widely available online.

Check Stations

Is your car is used as a means of daily transportation? If the answer is yes, when an insurance claim is of course expected the car you can immediately repaired in the workshop proper and quality results. However, look for car insurance that has a reputable workshop partners and provide a wide range of facilities, such as; have a good working quality standards, processing time, a large cost of repairs, shuttle service, and others.

Because a workshop sometimes also works with several insurance companies, you can also ask for input on which companies are most cooperative pay damage claims on customers' vehicles. Sometimes, the workshop also established itself as a client and have a view on which companies are best.

Check Guarantee Insurance

Due to lack of regulation and enforcement of tariff rates by the FSA, then the insurance industry are encouraged to promote excellence and service as a differentiator to attract konsumen.Karena that, today some insurance companies provide additional and complementary services that benefit. For example, customer service is always asking satisfaction of service, 24-hour tow truck services, car replacement, mechanic services, ambulances and so forth. Try to check in online insurance comparison site to see many additional benefits from several insurance companies.

Car Insurance Claim ?

You may already be familiar with all automobile insurance purposes, but if you already know how a car insurance claim. Yes, one of the requirements for selecting a vehicle insurance is about how the claims process and how fast you are served. However, ignorance of these claims could be one reason why not many people are willing to insure his car. What you must know related car insurance claims?

What is a claim?

By definition, is an attempt policyholder claims seek damages to the insurance company against a risk that occurs like an accident or theft of the insured car.

What to do when proposing an insurance claim?

If there is a calamity that befell, report the incident to the insurance company as soon as possible. Therefore, the report of the accident must be submitted insured to the insurance company as soon as possible or a maximum of 3 × 24 hours after the accident occurred.

When the accident occurred outside the town, the insured may report to the representative office or branch office nearest insurance company.

For filing a claim outside the town, first documented important telephone numbers, location of offices and workshop partners list.

Prepare attachment chronology of events experienced by a brief and clear.

Make reports loss in the nearest police station if your car is missing.

Complete the policy of supporting documents such as data, vehicle registration, driver's identity others involved accidents, and others when filing a claim.

The survey claims can be done by showing the condition of the car at the branch office, workshop partners, or otherwise surveyors can approach your home or office.

Make sure that the insurance company issuing the SPK (Work Order) to make improvements in the workshop.

It is recommended to make improvements in the workshop partners. Because in addition to administrative cooperation with the insurance company is well established, standard quality of work, working time and the amount of the cost of repairs was given.

Immediately send your vehicle to one of the workshop partners that insurance companies are quick fixes.

When in the city there was no workshop partners, the insured can enter the garage to the selected insurance company.

Do not enter the vehicle into the garage without the approval of the insurance company, because it could be the insurance company refused to pay.

The insurance company should be given the opportunity to survey or inspect the vehicles are damaged or missing, before the repair.

Feel free to continue to monitor and inquire development process improvement in the insurance and vehicle repair shops.

Third Party Coverage

Vehicle insurance benefits also prevent us from spending money that is not unexpected due to the risk that occurs not only in our vehicles, but also vehicles that you hit, when the accident happened is a collision. Or the opposite, you are hit by another vehicle.

In insurance are term liability towards third parties (TJH III) is for losses suffered 3rd party which is outside the insured objects that are directly caused by objects tersebut.Hal the things that can be covered by TJH III is not limited to damage to motor vehicles but includes property damage, medical expenses, bodily injury and death.

Bumping or Hit? Wear Third Party Liability Insurance

When driving a car, you may have to hit or run over by another car. Alternatively, you accidentally grazed another car. If you have dependents insurance third party, you should not have to worry. Why? Because your insurance will replace everything. Both were hit by a car, or a car that crashed.

Currently, third party insurance in vehicle insurance is rife offer. Besides profitable, this insurance can also make a person more calm driving. So, what exactly is the protection of third parties?

Meaning and definition

This third-party insured, the insurance terms is referred to as liability towards third parties (TJH III). This coverage is insured for damage suffered 3rd party which is outside the insured objects are directly caused by the object.

When you receive the insured is no, then the clause regarding third party insurance or called Liability Against Third Parties (TJH III) is contained in the Policy Standard Motor Vehicle Insurance Indonesia (PSAKBI) regarding Liability Insurance Against Third Parties.

What are borne?

What is meant by a third party is another party that suffered losses, either in the car or herself, or becoming a victim in an accident. In addition, for car owners who use the services of a driver was unable to provide coverage to the driver. Things that could be covered by this insurance coverage is not limited to damage to motor vehicles but includes property damage, medical expenses, bodily injury, and death.

Can be canceled, if?

There are things that could actually cause the cancellation of this insurance. In insurance terms, no such thing as a knock for knock agreement, the agreement between the insurance company in case of accident / collision involving two vehicles (cars) are insured, then the car owner must submit a claim to the insurance providers respectively.

Therefore, the third party insurance will be canceled or even this can not be used when the insured has also hit the car that is insured. However, when the car was hit by an uninsured, then this insurance can be used.

Have Limit

Although replaced, but you also can not just apply for insurance with a limit large. Because, pertangggungan third party has a nominal limit replacement. This limit depends on the demand of customers and insurance approval. Typically, the limit is provided between USD 10 million, USD 25 million, USD 50 million, to 100 million. Customers may ask the limit as high as possible for the insurer agreed. However, too large and the amount paid depends limit.

So, if the damage to the car that was hit by the insured exceeds the limit of insurance provided, an impairment loss is charged to you as an insured or an agreement between the insured by a third party.

Note at the time of the claim

When an accident involving a third party, the insured do not endorse or make a statement to take over responsibility for the accident, prior to obtaining approval from the insurance company.

If there is demand from a third party vehicle repairs, the letter claims submitted to the insured should be sent to the insurance company, accompanied by a police report on the incident an accident.

After studying the scene of the accident, if eligible, the insurance company will instruct a third party car into the garage.

If accidents causing casualties on a third party, the insured to submit all original receipts of medical expenses of the victim.

Looking at the current state, especially in large cities, where the number of vehicles is increasing while the condition of the infrastructure is not good, then this extension is so important. At least, this protection can be a preventive action to avoid conflicts on the highway. Because, even if you already have a good driving behavior to avoid collision / accident, but environmental conditions or behavior of other motorists can trigger bad things happen.

Car Insurance All Risk or TLO

Vehicle insurance is very necessary for you. In addition to providing protection from accidents or other unforeseen events, car insurance also help you with the right financial plan. Therefore, financial dependents on risks that may occur in the vehicle will be transferred to the insurance company or a guarantor.

In fact, in development at this time many additional protection provided by the vehicle insurance. For example, due to riots, sabotage, or natural disasters, providing new car replacement, providing protection against the cost of the driver and passenger cars are insured, and others.

Then, if all vehicle insurance to bear all these things?

Under the conditions of the coverage, insurance is actually divided into two parts. First, it is a Total Loss Only (TLO) and the second a comprehensive or better known as all-risk.

What's different about these two insurance?

For the first category, or Total Loss Only (TLO), this type of vehicle insurance only provide coverage if the vehicle is insured person is missing or damaged at least 75% and can not be used anymore. So, if the vehicle is in an accident and damage to the vehicle up to 75%, the insurer (insurance company) will pay insurance claims.

In addition, the loss due to theft and not embezzlement or also called a total loss stolen also be dependent on the type of insurance TLO. In fact, there are some insurance companies that provide insurance services in the form of packets, for example, combines kind TLO with TPL (Third Party Liability) or coverage for third parties. However, this type of insurance will not bear the risk if damage is below the rate of 75%.

For the second category, namely all-risk (combined insurance) is a type of insurance that will guarantee huge losses due to accidents, minor accidents, loss of ancillary equipment to destruction, and the vehicle is lost. All risks that occur on your vehicle will be borne by the insurance. In fact, this insurance also protects your vehicle when the vehicle crashed into another person, or in terms of insurance is called Third Party Liability (TPL) which can also be included in the category of the scope of this insurance coverage.

So in conclusion on car insurance?

For a premium, all-risk insurance is usually more expensive, but worth the maximum protection to consumers than TLO insurance. The reason, protection is more promising, because the insurance company will reimburse the cost of damage to cars that were damaged in whole or in part. While TLO, despite low premiums but if the car is insured damaged below 75% it is not dependent insurance company, however, be the responsibility of the policyholder