Although the car is lost, the heart remains calm

Sometimes, an accident not only caused by the negligence of the driver, but also other road users. The problem is, if the incident had occurred on the road, usually each party recriminations and blame.

Affairs could be snaking from the street, garage, until the police station. Works and activities must also disrupted because the vehicle can not be used temporarily.


Any inconvenience should be reduced if you have insured your vehicle. In the event of an accident, you just call the insurance. Furthermore, they will take care of damage to your vehicle, even bear the cost of repairing the vehicle to hit or you hit. Not only that, when subjected to an emergency on the road - such as a stalled car - insurance, usually, also provides a special tow truck service.

Now, the choice of products and vehicle protection insurance provider is already very much. If purchasing a vehicle by utilizing credit finance company, typically, the vehicle is already insured.

There are a variety of benefits and protection offered. However, generally, the scheme is the same products. Premiums to be paid also equivalent.

Based on the type of coverage, vehicle protection insurance is divided into two kinds. First, comprehensive protection (comprehensive). Insurers bear all the cost of repairing damage to a part (partial loss) until the loss due to accident or collision.

Second, protection of total loss only (TLO). In this scheme, the insurance will reimburse the cost of repairs if the damage to the vehicle over 75% of the price of the vehicle or loss due to theft.
Appropriate scope of protection, comprehensive insurance premium is greater than the premium TLO. Common comprehensive premium rates applicable at this time is 3% of the price of the vehicle, while the premium TLO is 1% of the value of the vehicle.

TLO only ensure total destruction. In fact, chances are very small risk of TLO. The problem that we often encounter when driving on the road is the car body is scuffed or scratched.

Vehicle insurance also offers a variety of expansion of coverage, such as riots, earthquakes, or floods. In addition, no less important is the assurance of responsibility to third parties. Understandably, more accidents involving other people.