Choosing Car Insurance

For what car insured and paying premiums that expensive? The important thing is to be careful driving a car. The risk of accidents is very small. car insurance companies. , what if you get hit from behind, bumper scratched while parked, our car theft, rearview gouged, or are we stuck violent floods and cars set on fire by protesters?
general car insurance
"We can not predict what will happen in the future. If the risks can be known in advance, of course we will take measures to anticipate, "This sentence is expressed by Bayu Herman, GM Astra Buana, famous for its insurance Garda Oto. .
car insurance prices
Buying a car insurance policy, said Bayu is one way to anticipate risk, namely by shifting to the insurance company. In buying an auto insurance policy information Bayu, should we buy an insurance policy that guarantee according to our needs.

"When the weather is often uncertain. low cost car insurance. It often happens heavy rains and standing water in some areas, then we can buy insurance products with an extended warranty combined with flood insurance, "he said, giving an example.

In cities - big cities, such as Makassar for example, often occurs that tends anarchist protests and violent past. If we happen to pass through the demonstration area, the possible risk of damage to the car we had a large enough.

"Anticipating this we need car insurance product warranty combined with extended warranties melee", this example raised by Basri J. Barrang, Relationship Manager, Insurance Sinar Mas, Makassar.

Sinar Mas, one of which had to pay claims its customers due to the riots in May 1997, the continued Basri, among others, serve the claim which include vehicle repair due to accidents, vehicles damaged or lost due to misconduct (theft), vehicles were damaged by fire and so on.

"Including the melee, trapped floods, earthquakes and even a tsunami," said Basri details about warranty claims with the category 'all risk' or any kind of risk or damage covered by insurance by the amount of the premium paid by the customer.

In Makassar, the end of July 2011, Basri J. Barrang also said that personal accident insurance for the driver and passenger up to Rp 50 million. While medical expenses due to accident insurance up to Rp 1 million.

Other Sinar Mas Astra Buana else anyway. Car insurance which is famous with its bib Guard provides two kinds of protection conditions on four-wheeled motor vehicles, namely: comprehensive and total loss only (TLO).

"Comprehensive ensure that the risk of loss / damage in part or in whole, the risks posed by the extent not excluded under the policy," said Laina Mardasih, Operation & Service Section Head Astra Buana Makassar.

While 'Total Loss Only (TLO)', said Laina is a guarantee against the risk of loss / damage overall, only if the estimated cost of repairs equals or exceeds 75% of the price of the vehicle immediately before the loss, and guarantee losses if the vehicle had been stolen.

Laina Mardasih also details about Garda Oto services you can enjoy, as a special added value, such as: easy and fast Claims - uncomplicated, working with trusted repair shop scattered in Makassar (Garda Q 'Repair), Warranty 6 months for duco (Warranty Work Stations) and providing original spare parts (Genuine Parts Warranty).

"There is also such thing as 'No Claim Bonus'. It means if the customer never add a claim, he is entitled to a reduced fee at the next policy renewal, "he said.

If you choose insurance services Garda Oto, according to Lina again, then you will get 24 hours service (Guard Access). This service allows you to contact the Garda Oto to obtain product information. health

"Including the closure application, insurance policy renewal services, claim reporting services, to emergency assistance on the road," he said.