Various risks of damage while driving are a possibility, whether due to weather, natural conditions, or even irresponsible drivers. Not only is the risk of car damage significant, but financial losses can also leave vehicle owners scratching their heads.
Just imagine, car damage, such as a dent in the body or repairing an electric mirror, can drain your wallet from hundreds of thousands to millions of rupiah. Therefore, good vehicle owners need to protect themselves from these various risks by purchasing comprehensive car insurance.
Why All-Risk Car Insurance?
One of the reasons why all-risk insurance, often referred to as comprehensive insurance, is so popular is its comprehensive and diverse protection. Unlike TLO car insurance, which only covers damage or loss up to 75% of the vehicle's value, all-risk car insurance provides more comprehensive protection, even if the damage is less than 75% of the vehicle's value.
Therefore, if you want more comprehensive and diverse car insurance protection, all-risk insurance is the right choice. Benefits of All-Risk Car Insurance
Here are the benefits of having all-risk car insurance for car owners.
Comprehensive and Varied Protection
As mentioned, the advantage of all-risk car insurance is its more comprehensive and varied protection. This type of insurance covers dents, scratches, broken glass, and other damage to vehicle components.
Can Cover Losses, Both Minor and Major
All-risk insurance covers a range of minor and major damages. Losses, such as scratches on the paint or dents that are less than 75% of the vehicle's value, are still covered by all-risk car insurance.
This differs from TLO (Total Loss Only) car insurance, which only provides protection for damage that reaches 75% or more of the vehicle's value and the risk of loss. Minor damage is not covered by TLO insurance.
Provides Peace of Mind While Driving
With more comprehensive and varied protection, both minor and major, drivers will naturally have greater peace of mind while driving. Vehicle owners need not worry about the risks of potential damage. However, drivers must still exercise caution while driving to ensure the safety of themselves and others.
Protection for Vehicles and Finances
With car repairs being expensive, car insurance certainly offers financial protection benefits. With comprehensive insurance, the cost of repairing car damage is covered by the policy, so the owner doesn't have to spend their own money.
To file a claim, the owner only needs to pay Rp 300,000. This claim fee is much cheaper than paying for repairs to other car damage, which can reach millions.
For example, if your car's electric mirror is damaged in a collision and you want to file a car insurance claim, you only need to pay Rp 300,000. This is much cheaper than paying Rp 1.5 million for repairs if you had to make a repair without insurance.
Can Be Equipped with Various Extensions
Car insurance extensions are additional protection that vehicle owners can purchase. Essentially, these extensions provide additional protection against risks not covered by the main car insurance policy.
Here are 7 types of car insurance extensions:
Floods, including hurricanes.
Earthquakes and tsunamis.
Riocracy and civil commotion (SRCC).
Terrorism and Sabotage.
Legal liability to third parties.
Personal injury to passengers.
Legal liability to passengers.
Having All-Risk Car Insurance Is a Wise Move
The benefits of all-risk car insurance are undeniable. Its flexibility and comprehensive coverage provide car owners with peace of mind about all driving risks. However, it's important to note that all-risk insurance carries a higher premium than TLO car insurance. However, given the level of protection offered, the premium for all-risk car insurance is certainly higher and well worth the cost.
Despite the various protection benefits of car insurance, wise drivers must remain cautious when driving. Avoid reckless driving that could harm themselves or others. This concludes our explanation of the benefits of all-risk car insurance. We hope this is helpful, and please be careful when driving!
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