How to Claim Car Insurance After Car Damage

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Car insurance claim

How to file a claim

Filing claims with insureka! is a simple 3-step process. Submit your documents, share details of the accident, and upload photos and/or videos of your vehicle and the damage. It’s that easy!To file a claim on your own, simply download insureka! from the Play Store or App Store and follow the steps. Our customer service can also help you file claims.Before you submit, make sure your documents are complete!

Just do the following steps: complete the required documents, provide a chronology of events and upload photos of your car that will be damaged. It's that easy, submitting a car insurance claim is complete

Types of Car Insurance Claims

You can make different types of claims with insureka! We accept loss claims and Third Party Liability claims. They each have their own document requirements:

Loss Claims

Owners filing total loss claims see an own risk (OR) fee of 10% of the coverage, calculated based on the amount being claimed. OR will be deducted directly from the amount paid to the insured party. Payments to customers are made a maximum of 14 working days after the documents are complete.

Claim Third Party Liability (CPL)

Klaim asuransi mobil TPL memiliki beberapa karakteristik. Klaimnya didasarkan menurut Kerusakan Atas Harta Benda atau Kerusakan Mobil. Opsi syarat klaim asuransi mobil lainnya didasarkan pada Kerugian atas Biaya Pengobatan, Cidera Badan, dan atau Kematian.

Claims for damage to property or car

Own risk (OR) of Rp. 300.000 per event is given if CASCO is included in the claim submission. OR for TPL is not if CASCO is not included during the claims process. The limit will be adjusted based on the remainder of the funds from the previous car insurance claim.

Claims for loss incurred by medical expenses and/or bodily injury

The fee of this car insurance claim is given the same limit as the policy. For accidents with other vehicles, you must include the other driver's documents and photos of the damage to your vehicle.For car accident insurance claims for injuries, medical treatment, and/or death, you must include a KTP, Family Card (Kartu Keluarga), and stamped hospital receipts. Losses will be reimbursed.

How to Claim All Risk Car Insurance

Cara klaim asuransi mobil All Risk didasarkan pada status Third Party Liability (TPL) dan Kehilangan. Adapun detail untuk cara mengajukan klaim asuransi mobil bisa dicermati sebagai berikut, yaitu:

Loss Claims

The insured party should upload their claim on the insureka! mobile app. Our Customer Service (CS) will forward the claim to Asuransi Rama via internal email. Asuransi Rama will contact the insured party to verify that the requirements have been met and the claim is valid.

Claims for Damage to Property or Car Damage

The car insurance claim procedure is roughtly the same, starting with uploading a claim via the insureka! App. Submission of the claim is then forwarded to Asuransi Rama. The process can be faster if documents related to CASCO and Third Party Liability (TPL) are complete.

Loss Claims for Medical Expenses, Bodily Injury, and or Death

The process for filing this claim is almost the same as claims for Vehicle Damage or Property Damage with the addition of a few documents. These are the police report, hospital receipts with materai, and a photo of a Death Certificate caused by TPL (if such an incident occurred).

Documents for All Risk Car Insurance Claims

Cara klaim asuransi mobil all risk pada hakikatnya mengakomodir risiko karena kecelakaan dan kehilangan. Kanal ini juga mengakomodir klaim asuransi mobil lecet, termasuk biaya klaim asuransi mobil lecet. Proses klaim asuransi mobil membutuhkan beberapa dokumen sesuai jenis pengajuannya. Cara klaim asuransi mobil secara garis besar menyertakan dokumen basic, seperti KTP, SIM, STNK, dan Foto Kerusakan Unitnya. Adapun detail dokumen klaim asuransi mobil adalah sebagai berikut:

Lost Claim Documents

Include your original STNK, BPKB, car keys, and an LKKB form. You must also include a Police Letter, Kadit Serse letter, a letter blocking the vehicle’s STNK (surat blokir), and a photocopy of the insured’s KTP and SIM.

Damage Claim Documents for Property or Damage

Documents required include the SIM, KTP, and a claim form.The cost of the claim includes the (Surat Laporan Kepolisian), video surveys and photos of the car CASCO and TPL, and the work letter procurement from the workshop/bengkel.

Loss Claim Documents for Medical Expenses, Bodily Injury, and/or Death

Please include the SIM, KTP, STNK, a claim form, and a police report. These are the police report, hospital receipts with materai, and a photo of a Death Certificate caused by TPL (if such an incident occurred). Also include photos related to the vehicle damage.

Documents for TLO Car Insurance Claims

TLO or Total Loss Only insurance claims are made for risks arising from loss or heavy damage. We consider heavy damage as being above 75% of the vehicle unit value. There are several documents that must be included, such as the original STNK, original BPKB, original contact key, and LKKB form. You should also include a Police Letter, Kadit Serse letter, a letter blocking the vehicle’s STNK (surat blokir), and photocopies of the KTP and SIM.

Things to Keep in Mind When Submitting a Car Insurance Claim

Ada beberapa hal yang harus diingat saat pengajuan klaim, meskipun klaim asuransi mobil lecet sekalipun. Cara klaim asuransi mobil all risk hingga klaim asuransi TLO wajib menyertakan informasi detail pemilik polis, profil kendaraannya, hingga Kejadian. Prosedur klaim asuransi mobil juga wajib menyertakan bukti fisik unit melalui foto dan video, termasuk klausul case khususnya.

Owner, Vehicle and Occurrence Information

Include the name of the insured, Policy Number, Address, and a Phone Number. Include the car License Plate. Include the SIM numbers of both drivers, the license expiration, location of the incident, and incident details.

Documents Attached

The terms of a car insurance claim must include several attached documents. From serious damage to scuffed car insurance claims, you must attach a photo of your KTP, photo of a driver's license, photo of vehicle registration, photo/video of vehicle damage, to closing video. Closing Video will be provided by Customer Service.

Customer Reviews

“The process is easy and hassle-free, competitive prices, well done!”

Indra Kusuma Jaya

Jakarta
“This insurance is really good. The claim process is fast and according to the workshop we want. What's crazier are the many discounts”

bulefunky smith

Jakarta
“Insurance that understands today's needs. Easy to register, easy to claim, fast processing, affordable fees, friendly and very satisfying service. good luck Insureka.”

dini widiastuti

Jakarta
“Insurance is the best, applying is easy, just installing the application, and given a souvenir, the car has been hit by a motorbike, the claim is very easy, all you have to do is take a photo in the application, get the spk and take it to the official repair shop, the car is straight again shiny.”

Suhanta Wijaya

Jakarta
“Buying insurance is easy, the CS is responsive, and making claims to the repair shop is also easy with a user-friendly application”

Pri Hadiyanto

Jakarta
“It's easy to apply, and so is the claim. The admin is very helpful, and what is certain is that the price is the best among similar applications. Highly recommended!!!”

Yoseph Ming

Jakarta
“Fast claim process. The most affordable policy price compared to other products. There is also a manufacturer's workshop where the workmanship is equivalent to the manufacturer's. Keep up the good work.”

antonius louis

Jakarta

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