Santosa, CEO of Astra Insurance, revealed the loss incident can be covered by the insurance of the vehicle provided that, among others, there is no element of deception of policyholders.
"There is a requirement to lose TLO. During such criminal embezzlement no smell could bear. But after an investigation, police reports and check the track record of the policyholders no indication of fraud, could not be taken away, "said Santosa.
Santosa added, motor loss claim process easier than a car. This is because the owner of the four-wheeled claim often did not use his vehicle as it should be. For example included a car rental that is not official. This kind of thing can hinder the process claim.
"Most car owners often told me that his car was used for personal but surprisingly included rental, rental dark anyway. Another issue is the handing over of the vehicle on the person of unknown background, for example a personal driver, then brings in a run. This is a form of faux pas proprietor and insurance usually will be rejected, "Santosa said.
For that, consumer’s vehicle insurance should disclose in detail regarding the use of his vehicle at a later date. For example there is a change of purpose of use from commercial to personal. Speak directly to the insurer in order not to harm both sides.
"It is basically insurance in good faith. So if a customer since the beginning tells the purpose of use of the vehicle or a change of purpose of use of personal vehicles to commercial talk about only with insurers. Certainly the claims will be accepted if there is something, "Santosa said.