Having car insurance is important for car owners because unexpected things can happen at any time. Therefore, using car insurance is very necessary. However, never carelessly choose car insurance. Make sure you really understand the insurance product you choose so you can get optimal benefits.
So, if you want insurance that can cover all types of damage, you can choose all-risk car insurance. What is all-risk car insurance? You can see the full explanation here!
What is All-Risk Car Insurance?
All-risk car insurance is a type of insurance that provides comprehensive protection. So it is not uncommon if this insurance is also known as comprehensive car insurance. That means this insurance protects the vehicle from all potential risks that may occur.
Apart from all-risk, there is also TLO or Total Loss Only car insurance. Different from all-risk which provides comprehensive protection, TLO only protects the car from certain risks, namely loss and damage whose repair costs make up a total of 70% of the car's price.
Car insurance coverage is not as popular as life or health insurance, but the benefits are enormous for vehicle owners. Especially when considering the high rate of traffic accidents throughout the country. In 2019 alone, there were hundreds of thousands of accident cases that occurred throughout the country.
What Events Can Get Protection from All-Risk Car Insurance?
The previous point stated that the benefit of all-risk car insurance is comprehensive protection, but what does this insurance actually cover?
As the name implies, this type of vehicle insurance protects the car from various risks, be it small or large damage. From scuffed car paint to damaging and deforming collisions, everything is covered by insurance providers. Interestingly, you can also add extensions that will protect car passengers in the event of a traffic accident or damage from a natural disaster.
If detailed, here are some examples of events that are protected by all-risk car insurance:
Protection for cars that have been involved in car accidents, due to collisions, impacts, mired, or skidding.
Protection for cars affected by theft.
Protection against cars damaged by irresponsible people.
Protection for cars affected by lightning strikes or fires.
Protection against the car being damaged when transported by ferry.
However, you also need to remember that all-risk car insurance will not guarantee losses from preventable accidents or incidents. For example, an accident caused by a driver driving while drowsy, under the influence of alcohol or illegal drugs, damage caused by forced driving of a car even though conditions are no longer possible, or incidents resulting from crossing a restricted area.
So it's good to have insurance for your vehicle, so look for reliable insurance.. okay, see you soon!
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