Insurance is important, but much underestimated by most of the community. Indonesia's awareness of the possibility of risk is not high enough. This impact still still quite low desire to buy insurance policy. One type of insurance that is less desirable is car insurance. In fact, when viewed risks, this type of insurance is clearly required by the owners of the car. For those who want to buy an insurance policy, it may be confused with the choice of existing car insurance. For that, car owners need to know how to calculate the premium car insurance TLO and allrisk. The trick will be explained in detail below. Before that, we will discuss a few reasons why it is important to insure the car.
The importance of insuring your car, WHO noted, traffic accidents became the third largest killer in Indonesia, after coronary heart disease and tuberculosis. According to police data of the Republic of Indonesia, there were 109,038 accidents in 2012. Human negligence is an important factor in the occurrence of accidents. Understandably, this factor not only comes from us but also others. On the streets, the negligence of others can be bad for us. Even if someone has been driving in an orderly manner, he or she may become a victim because of inconsiderate riders.
The risk of injury and death can be reduced by improving safety, but the risk of damaged vehicles is often unavoidable, either mild or severe damage. This is what makes our vehicle, in this case the car, needs to be insured. Moreover, it takes a lot of money even if the damage is only a blister in the car. Accidents are not the only reason. Begal and vehicle theft are increasing every day, not just in big cities. The risk of losing a vehicle will certainly increase. Therefore, it is very logical that a person decides to insure his car.
Then, when it is decided, what kind of car insurance needs to be taken? First of all, we need to know in advance two types of car insurance as well as advantages and disadvantages. Literally Total LossOnly (TLO) means "only (if) loses total". Means that insurance claims can only be filed in case of 'total loss'. In car insurance, the total loss is a damage that occurs above 75% or loss of theft or for plunder. If the damage suffered is less than that, you will not be compensated for damages. The 75% benchmark is taken because the car is definitely not usable. The surplus, TLO insurance premium is lower than allrisk car insurance.