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.
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