Proses Klaim Asuransi Mobil HilangK

Proses Klaim Asuransi Mobil Hilang
Kasus mobil hilang memang membuat pusing kepala bagi pemilik. Masih beruntung, kalau aset itu sudah dijamin oleh polis asuransi, terutama Comprehensive.

Meski berduka akibat asetnya hilang, namun tetap Anda mesti melalui proses pelaporan hingga klaim dari pihak asuransi. Mulai dari pelaporan kehilangan kendaraan dari Polres terdekat hingga klaim ke asuransi.

Beberapa rangkaian proses dan lampiran dokumen mesti disiapkan. Memang, suasana tidak nyaman hingga bingung membaur jadi satu. Namun, satu hal, Anda konsentrasi pada prosedur klaimnya.

Pertama-pertama laporkan kejadian ini ke kantor polisi terdekat, Polisi Resort (Polres). Beberkan kronologis kejadian secara singkat dan jelas berkenaan dengan kejadian itu. Intinya, uraikan jenis mobil, lokasi kejadian, pukul berapa perkiraan mobil tersebut hilang dan saksi mata yang tercermin dalam laporan itu.

Instansi inilah yang berwenang menerbitkan “Surat Keterangan Mobil Hilang” sekaligus melakukan pemblokiran dokumen menyangkut mobil Anda. Surat keterangan itu, tak sekadar bukti laporan kehilangan, tapi juga berguna untuk proses klaim asuransi.
“Hal utama yang harus dilakukan jika terjadi kerugian adalah tertanggung harus me¬laporkan kepada bagian klaim kami paling lambat dalam 72 jam (hari kerja) setelah kejadian kepada asuransi,” papar jelas Laurentius Iwan Pranoto, Marketing Communication & PR PT Asuransi Astra Buana (Garda Oto).

Hanya saja, mobil hilang ini juga berkaitan dengan pencurian. Artinya definisi kehilangan atas pencurian, objek (mobil) berada di bawah otoritas kepemilikan dan hilang dikarenakan adanya unsur pemaksaan dan disertai tindakan kriminal.

Sementara tenggang waktu pencarian oleh petugas berwenang dalam mengungkap mobil hilang hingga 60 hari sejak laporan kehilangan dikeluarkan pihak kepolisian. Setelah itu, pihak asuransi bakal mengganti klaim yang Anda ajukan.

Penggelapan

Para nasabah kerap terkecoh dengan kasus mobil hilang dikarena penggelapan. Tidak heran, kalau sebagian besar nasabah beharap penggantian klaim terhadap kasusnya.

Namun dalam konteks asuransi, perbedaan keduanya cukup jelas. Latar belakang mobil hilang menjadi dasar pihak asuransi mengategorikan pencurian murni (seperti paparan di atas) atau penggelapan.

“Sementara untuk penggelapan, objek atau kendaraan secara sadar diserahkan atau dikuasai pada pihak kedua dan kemudian disalahgunakan. Mobil pun dianggap hilang pada saat melapor,” jelas ujar Suryanda, Assistant Vice President – Personal Lines PT Zurich Insurance Indonesia.

Sehingga objek atau mobil dikabarkan hilang dan berharap bergantian klaim dari pihak asuransi. Pihak asuransi bakal melakukan verifikasi dan survey di lapangan berkenaan dengan kasus mobil Anda. Adakah unsur tersebut melatari hilangnya mobil Anda?

Contoh kasus sederhana se¬perti mobil hilang saat valet parking, meminjamkan ke orang terdekat secara sadar seperti sopir, teman dan lainnya. Bahkan kasus test drive transaksi mobil seken pun bisa dikategorikan dalam hal ini.
Konteksnya adalah Anda memberikan secara sadar memberikan kunci, surat kendaraan dan mobil ke pihak tersebut dan kemudian dinyatakan “hilang”.

Bahkan bila terbukti di lapangan merupakan unsur penggelapan, tidak hanya menolak klaim Anda, pihak asuransi bisa mengajukan tuntutan kepada nasabah ke pihak kepolisian.

Dasarnya, tindakan ini dianggap masuk dalam ranah pidana. Unsur penipuan pasal 378 dalam Kitab Undang-Undang Hukum Pidana bisa dimaksimalkan menjerat Anda.

Namun, terlepas kasus ini, biasanya unsur penggelapan dilakukan oleh sindikat dan melibatkan banyak pihak yang terlibat.

Jadi pencurian atau penggelapan yang menimpa mobil Anda?


Lampiran Klaim Mobil Hilang

Beberapa dokumen ini diperlukan saat Anda melakukan klaim asuransi untuk kasus kehilangan mobil.
Formulir klaim yang telah diisi lengkap
- Fotokopi polis asuransi kendaraan yang bersangkutan
- Fotokopi SIM & STNK
- Dokumen asli Laporan Polisi setempat
- BAP bila diperlukan
- BPKB, Faktur, STNK (asli)
- Kwitansi bermeterai kosong rangkap 3 (tiga)
- Kunci kontak kendaraan (minimal 2 buah)
- Surat Keterangan Kadit Serse Polda
- Surat tanda pemblokiran STNK Polda
- Surat Subrogasi

Kết quả (Anh) 2:

Car Insurance Claims Process Missing
Case of the missing car indeed create headaches for owners. Still no luck, if assets will be guaranteed by an insurance policy, particularly Comprehensive. Even grieving as a result of lost assets, but still you have to go through the process of reporting to the claims of the insurance. Starting from reporting loss of vehicle from the nearest police station to claim to the insurer. Several series of processes and an attached document must be prepared. Indeed, the atmosphere is not cozy up confused blend into one. However, one thing, you concentrate on the claims procedure. First of all, please report the incident to the nearest police station, Police Resort (Police). Lay chronology brief and clear manner with respect to the incident. In essence, describe the type of car, the scene, what time the car is missing forecasts and witnesses are reflected in the report. Agency is authorized to issue "Letter Cars Lost" as well as doing the blocking of documents concerning your car. The certificate of it, not just proof of report of loss, but also useful to process insurance claims. "The main thing to do in case of loss is insured must me¬laporkan to our claims department at the latest within 72 hours (working days) after the incident to the insurance , "said Laurentius clearly Iwan Pranoto, Marketing Communication & PR PT Asuransi Astra Buana (Garda Oto). However, the car is missing is also related to the theft. That is the definition of loss of theft, the object (the car) is under the authority of ownership and lost due to coercion and accompanied by a criminal act. While the time limit searches by the authorities in uncovering the lost car for up to 60 days after the loss report issued by the police. After that, the insurance will replace your claim. Embezzlement The customers are often confused with cases of lost car dikarena evasion. No wonder, when most clients beharap reimbursement claims against the case. But in the context of insurance, the differences were quite obvious. Background car disappear into the base insurers categorize the pure theft (such as exposure above) or embezzlement. "As for embezzlement, objects or vehicles knowingly submitted or controlled on both sides and then misused. The car was thought to be lost at the time of reporting, "said said Suryanda, Assistant Vice President - Personal Lines PT Zurich Insurance Indonesia. So the object or car reported missing and hope alternately claim from the insurer. The insurance company will verify and survey in the field with regard to the case of your car. Are there elements that underlie the loss of your car? An example of a simple case of lost car se¬perti when valet parking, lend to the nearest person consciously as a driver, friends and others. Even the case of a test drive transactions used cars can be categorized in this case. The context is that you give consciously give keys, vehicle documents and car to the party and then declared "lost". Even if proven in the field is an element of fraud, not only rejected the claim you, the insurer can make demands on customers to the police. Essentially, these measures are considered in the realm of criminal law. The element of fraud Article 378 in the Code of Penal be maximized ensnare you. However, despite these cases, usually elements of embezzlement committed by syndicates and involve many parties involved. So the theft or embezzlement happened to your car? Appendix Claim Car Missing Some documents this is required when you make an insurance claim for the case of a stolen car. claim forms are completed - Copy of insurance policies in question - Copy of Licensing & Registration - original documents Reports local police - BAP when needed - BPKB, invoices, vehicle registration (original) - receipt blank stamped copies of 3 (three) - the vehicle ignition key (at least 2 pieces) - Certificate of Kadit Serse Police - Police letter of blocking vehicle registration - Subrogation Letter