Car Insurance Claim Submission Procedure

A claim is an attempt by the policyholder to ask for compensation from an insurance company due to an accident or theft of the insured car. What is the procedure for filing claims that must be made by the policy holder?

Contact an insurance company

If your car has an accident or stolen, the first thing you have to do is to contact the insurance company within 3 x 24 hours (via telephone, SMS, via email, or directly to the company). This is to avoid rejection of your car insurance claim because the reason passes from a predetermined period of time.

Provide photo evidence

When you have an accident and the car can still walk, you should take the car to one of the insurance company's partner workshops. If your car is severely damaged, you should take a photo or document it first. This photo will be proof that it really did have an accident.

Filling in form

You also have to fill out a form provided by the insurance company. This form is one of the completeness documents for the success of your claim.

Provide clear information

The next thing you have to do is provide information about the series of events in the insurance company in truth. This will be the insurance company's consideration whether your claim is rejected (because it provides fictitious information) or is accepted (because it provides reasonable information).

Prepare documents

You must also complete the documents offered by insurance companies. The documents are as follows:

Accident document

• claim Filled claim form. The new claim process will be carried out by the insurance company, if the policy holder has filled out the claim form completely.
• Photocopy of car insurance policy. This document is to prove that he really is a customer of the insurance company. In addition, to find out whether the premium has been paid according to the agreement or not.
• Photocopy of SIM. This document is to know whether or not he has been permitted by the police to drive a car.
• Photocopy of STNK. This is also a proof of the car or not.
• Certificate from the police. This document is also considered by the company to provide compensation or not.

Third party responsibility document (if there is a third party)

• Statement of claim for compensation from third parties. This document makes a guarantee that it is true that policyholders cause damage to third party cars.
• Statement of no insurance. Usually there are some insurance companies will not be compensated if the third party has car insurance. Therefore, this document is an important requirement.
• Photocopy of SIM, KTP, and STNK. SIM to guarantee that the right driver has permission from the police. KTP and vehicle registration are proof that the car is indeed his property.
• Certificate from the police. This letter proves that indeed at the time and at the place there was an accident on the car.