How Car Insurance Works And Coverage
More and more car insurance service providers. Not only insurance for health and education only. One of the most trusted car insurance providers is Garda Oto. Every year, Garda Oto provides additional features to make it easier for its policyholders. October 10th ago, Garda Oto released Garda Oto Digital. Which will make it easier for policyholders to process claims. In addition, there is a promo to buy car insurance , which will give you various kinds of prizes. In car insurance, the protection provided depends on the choice of the policyholder. Because there are so many types of car insurance. For more details, here’s how car insurance works and protection that you should know.
How Car Insurance Works
There are several things that affect the way car insurance works. The most important thing is of course the type of insurance chosen. In general, there are two types of car insurance, namely all risk and total loss only (TLO). At Garda Oto, there is only all risk or comprehensive service. By using this insurance, you will get complete protection. Especially if you take extended protection. Make you get more complete protection. You need to know, if the premium calculation in each region is different. Although the difference is not that big.
For the use of digital auto garda, currently services can only be carried out around DKI Jakarta. The age of your car will also affect the price of the premium. The older the car, the greater the premium you will have to pay. This is because maintenance for old cars is more difficult and the risk is also greater. For the amount of protection value, adjusted to the price of your car. The higher the price of the car, the higher the protection value. Before buying car insurance, it’s better to know the amount of premium that must be paid. So that you know how car insurance works clearly.
Types of Auto Insurance coverage
For Garda Oto’s best car insurance, the insurance protection provided is very complete. So that makes you more comfortable and safe in driving. No need to be confused about the various costs of being responsible for an accident. Each insurance service provider certainly has a different type of protection. This is influenced by the type of insurance taken. There is protection from riots, riots, third party liability, personal or passenger accidents, natural disasters, terrorism, sabotage, and emergency services. Such as medical expenses, tow trucks and ambulances.
There is a calculation of the value of protection that has been set for all types of insurance. For basic protection, use the sum insured formula x premium rate. The premium rate is determined by the age of the vehicle, additional protection and the location of the vehicle’s operation. For added protection, it also has its own formula. For example protection due to natural disasters and riots, the formula uses the sum insured x the protection premium rate. For additional protection from third party legal liability, use the desired protection limit formula x TJHPK premium rate. While protection against personal accidents or passengers using the desired protection limit formula x the personal accident premium rate.
If you use the latest digital auto insurance, until December 31. Will get a promo to buy car insurance. So you will get additional prizes and more discounts. Always use car insurance from Garda Oto, because it has proven quality and provides the most complete protection.