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3 Things That Determine the Insured Value of Motor Vehicle Insurance


Otomotif  |  11 January 2018  |   6891 Views

3 Things That Determine the Insured Value of Motor Vehicle Insurance

Otomotif  |  11 January 2018 3 Things That Determine the Insured Value of Motor Vehicle Insurance

The insurance value in motor vehicle insurance is based on market value or often referred to as the market value of the insured motor vehicle. Market value can be seen from the sales price of motorized vehicles with their type, model, brand and production year.
If the equipment of the motor vehicle is no longer produced, then the responsibility for damage to parts or losses is only limited to the price listed in the latest sales price list in Indonesia.

1. Vehicle Use.
This is very influential to determine the occurrence of risk, motor vehicle users have a different level of risk from one another. Motorized vehicles that are rented for example will be more at risk from users of motorized vehicles for personal use
Regarding the use of motorized vehicles clearly stated in the insurance policy. Therefore it is good before signing must carefully read to the smallest writing so that there is no misunderstanding between the insurance company and yourself as the owner of a motor vehicle.

2. Type and Year of Manufacture.
Different types of vehicles have risks that differ from one another, according to the type of vehicle. While the year of manufacture has an effect on the possibility of increasing the value of the loss borne, therefore insurance companies make limits in terms of the age of the insured vehicle.

3. Coverage Conditions
The definition of coverage conditions here is the adjustment of the condition of the insured motor vehicle. If there is a risk expansion request, it must also be adjusted to the conditions and conditions of the area where the vehicle is used.

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