Can I File a Car Insurance Claim If My Documents Are Lost

Introduction

CLAIM car insurance is a right that customers receive, especially when these risks arise. The claims process can be carried out for all types of risks that arise. Starting from various levels of car damage due to accidents to losing the unit. However, the process of submitting a car insurance claim is limited by regulations, especially the expiry date. The claim process can still be carried out if the documents are incomplete due to loss.

The Importance of Documents for Car Insurance Claims

Documents are elements that must be prepared by customers when they want to submit a claim. Not only complete, the document must also be valid. However, the claim process can still be carried out when the documents held are incomplete or lost. The aim is for claims to be registered before the expiration deadline of 5 calendar days after the risk incident. Apart from the cost of a car insurance claim, the main document requirements that must be prepared when claiming are:

1. Driver's license, STNK and KTP documents.

2. Compile a chronology of incidents and photos of damage to the car unit.

Car Insurance Claim Steps to Take When Documents Are Lost

When a document is lost, the claim process must continue. Claim reporting is carried out immediately and ideally less than 5 calendar days after the risk incident. The documents required for a lost car insurance claim can be treated as follows, namely:

1. If you lose your STNK, when claiming you must include a Police Loss Report and a photo of your old STNK.
2. If your ID card is lost, when claiming you must include a Police Loss Report Letter and a photo of your old ID card.
3. If the SIM is lost, the customer still has to arrange for a new SIM. This is in accordance with traffic regulations in Indonesia.

Contacting Your Insurance Provider

When a risk arises, it is natural for customers to directly contact the insurance provider, including the trusted brand Insureka!. Later, customer reports will be immediately followed up and risks that arise will be resolved completely. Just make sure the car insurance claim process clause in question is stated in the policy. Submitting a claim also has not passed the 5 calendar days expiry period after the risk incident.

Provide Required Information

Claim the insureka app! This can be done online via the Insureka! website or application. For the administration process, customers are required to pay attention to filling in the data on the available claim form. Several things that must be considered when claiming car accident insurance are:

1. Fill in the Event Chronology by inputting information on the Date, Location and Details of the Event.
2. Fill in the Policy Number.
3. Input documents such as STNK, SIM, KTP, and upload photos of damage to the car unit.
4. To claim legal responsibility for third parties, please attach a police certificate.
5. For special claims such as personal accidents for drivers or passengers, attach a personal accident letter and a stamped hospital payment receipt.

Documentation Required for Car Insurance Claim Processing

The documents required for processing car insurance claims must be complete. The main documents he prepared were SIM, STNK and KTP. If a document is lost, the Police Loss Report Letter and Photo of the Old Document can be included as a way to submit a car insurance claim. However, this does not apply to loss of driver's license.

Submission of Claims and Replacement of Documents

Filing a claim can still be done even if the existing documents are incomplete because they are lost. Replacement of documents can still be done for lost STNK and KTP status. When these two documents are lost, customers can replace them with a Police Loss Report Letter and Photo of the Old Document. The driver's license is required to be present at the time of claim because it complies with traffic law regulations.

Car Insurance Claim Approval Process

The claim approval process still begins with a direct survey by a special insurance officer. They will carry out a manual survey by visiting the damaged vehicle unit to ensure its validity. The next step in the requirements for a lost car insurance claim is that the insurance company will check the estimated price at the workshop chosen by the customer. If the price is appropriate then approval will be given through the issuance of a SPK (Work Order) to the workshop.

Conclusion

Tips for car insurance claims must be made quickly, whatever the underlying conditions. Because, the claims process is limited by an expiration period of 5 calendar days after the risk incident. If the claim documents are incomplete, replacements can still be made in accordance with applicable regulations.

FAQ

How long after an accident can you make a claim?

Submission of claims must be made as soon as possible. Ideally before 5 calendar days after the risk appears.

How to submit A Car Insurance Claim?

1. Claims are made online via the Insureka! website or application.
2. Fill in the Event Chronology by inputting information on the Date, Location and Details of the Event.
3. Fill in the Policy Number.
4. Input documents such as STNK, SIM, KTP, and upload photos of damage to the car unit.
5. To claim legal responsibility for third parties, please attach a police certificate.
6. For special claims such as personal accidents for drivers or passengers, attach a personal accident letter and a stamped hospital payment receipt.

Can I file a claim on my car insurance if the loss of my documents results in identity theft?

Submitting a claim when documents are incomplete because they are lost can be done by attaching a Police Loss Report Letter and a Photo of the Old Document.

Can I add lost document coverage to my existing car insurance policy?

Additional document protection can be done, even though it is adjusted to activate the protection coverage expansion feature. For example, to protect goods, you must activate the Personal Property feature to be protected from risk.

Can you file a Car Insurance Claim without a policy report?

The Police Report Letter is very important for several risk triggers. So, can you claim insurance without a police report? The existence of this letter is very important regarding the status of claims for Theft by Drivers, Legal Responsibility for Third Parties, and various damages or losses due to human criminal acts.