Car Insurance Premiums

Car Insurance Premiums

Many insurers in Indonesia especially vehicle insurance is one example of this protection insurance Adira insurance DAPT in trust and provides a variety of package to ease the clients who want to open an account in Adira Autocillin, and in fact many insurance in Indonesia such as bibs and adira Autocillin guard one of them. By protecting our assets in the insurance Autocillin we get the comfort of the safety of our car.

Many insurance services such as insurance adira provide this type of insurance type of vehicles, before selecting either his insurance there we are looking for the profile of insurance services such as Adira insurance if the insurance can be believed or not.

Adira insurance is an insurance that is trusted by the community. The following types of insurance available in the insurance Autocillin

Vehicle insurance usually there are two types, namely All Risk and Total Loss Only (TLO).

Car Insurance All Risk

This kind of vehicle insurance to cover all risks that occur in your car. From lost, get hit, riots, terrorism, missing tires, missing mirrors, crashing into another car (Third Party Liability - TPL) etc..

Value coverage is dependent of each insurance company. For example, there are insurance companies that provide coverage TPL 500 USD per incident, some are giving up to 2500 USD per incident. You have to look at the packages offered. Find the most flattering under your protection.

For Car Insurance All Risk premiums that you must pay, usually ranging between 2% to 3% of the price of the car. So if your car price 5000 USD, you have to pay between 100 USD to 150 USD dollars per year.

Car Insurance Total Loss Only (TLO)

This type of car insurance cover the car only when the customer is lost or damaged at least 75% and can not be used anymore. If the customer car accident and damage his car up to 75%, the insurer (insurance company) will pay the customer claims.

There are also insurance companies that provide auto insurance package this type of TLO, for example, combined with TPL (Third Party Liability).

TLO types of car insurance premiums in the range of 1% of the price of the car, no less and no more than 1%.

Well, of the two types of car insurance in the above, which one is suitable for you? If your car is rarely used, often hanging out in the garage of the house, and used only once in a while, it was not much, it is likely that suitable insurance is a type of TLO. But if your car is often out of town, or very active in the city, would be more suited to the type of All Risk Insurance. But all of that back to you. If you believe your car will not be scratched but may be missing, yes kind of insurance take TLO.

Oh yes, for insurance losses, no such thing Own Risk (Own Risk). What's that? Risk itself is, as the name implies, the risk must be at your own risk if it occurs. Simply put, risk is the sum of money you have to pay when you claim to the insurance company.

Does it still have to pay? Yes, that's insurance, unlike life insurance. For car insurance, the amount of risk itself is the most common in my country is 10 USD, - per incident. So if you got hit by a car then entered the garage and the repair cost is 1000 USD, the insurer simply replace 990 USD, the rest you'll pay 10 USD. It is still a profit, do not need to pay 1000 USD. Such is the importance and need for insurance. Usually own risk money that you pay directly to the garage where you fix your car.