Motor Vehicle Insurance - SRCC (strikes, riots, adan civil commotions) - Motorcycle Insurance - Riots in May 1998 and had a positive impact on morale insured in Indonesia. Because, after the incident, the number of holders of insurance policies, especially auto insurance increases drastically.This is understandable, because the events that tarnished the face of Indonesia erupted, countless amount of property and motor vehicles are damaged and destroyed. And some of them have not been insured. Complaints often arise after the incident in May 1998 riot where many people who feel aggrieved by the insurance company, because of damage or loss that is not discover by insurance companies. Due to the damage or loss due to the turmoil and unrest, is still the policy of their respective companies. Now this motor vehicle insurance coverage may expanded with clause SRCC (Strikes, riots, civil commotions adan).
There are two kinds of motor vehicle insurance coverage is already generally known, that is comprehensive (joint) or commonly known as all risks and Total Loss Only commonly abbreviated TLO. Comprehensive (all risks) or a combination is the replacement of loss / damage to motor vehicles of any risks other than those excluded by the policy. For example, the windshield or headlights shattered by a hit, tape or stolen wheels and other accessories damages. claim all risks can be done many times during the insured vehicle.
At principle various types of vehicles can be insured. But each company has its own policy. Some companies provide restrictions on the age of the vehicle can be insured.
In closing all risks insurance, non-standard accessories such as tape, alloy wheels, CD changer and the other is in the car can also be insured as far as the goods are clearly stated in the Letter of Request for Motor Vehicle Liability (SPPKB). Outside of the warranty above, all risk and TLO have some assurance that can be added or expanded, such as Liability (TJH) to third parties (Third Party Liability / TPL). TJH and TPL is a guarantee provided by insurance companies for damages / losses caused by the other party insured vehicles. Limit the amount of coverage for TJH is negotiable.
Then can also be guaranteed the expansion of the turmoil and unrest, RSMD (Riots, Strikes, and malicious damage) and SRCC (Strikes, Riots, and Civil Commotions). RSMD a warranty replacement for the loss caused by a group of people in public order disturbances. This excludes the expansion of political turmoil that led to revolt, revolution or takeover. While SRCC is all that is guaranteed RSMD dependents plus the additional risk of politically motivated civil unrest (such as riots in May 1998).
As with all agreements, prior to the signing of the insurance coverage you should learn so know various risks that are guaranteed and not guaranteed. Like, Motor Vehicle Insurance is a risk that guaranteed a collision, collision, overturned and skidded off the road. Theft or misconduct of others as well, including a guaranteed insurance. Exposed to fire or lightning strike. While the risks of exclusion is not warranted or deliberate loss or damage by the insured or other family members. accidents caused by the negligence the driver from alcohol and illicit drugs is also not guaranteed insurance. If the driver does not have a driver's license (driving license) then the accident happened is not guaranteed and there is more risk of other accidents that can not be guaranteed.
