Car insurance is an optional insurance that covers the vehicle's own damage. Coverage varies depending on the policy.
Standard Coverage
- Crash, rollover
- Fire, flood, theft
- Vandalism
- Glass break
- Natural disaster
Exceptions
- Driving under the influence of alcohol
- Without a license driving
- Speed violation (severe)
- Racing/test drive
- Key forgotten in the vehicle (stolen)
- Intentional damage
Damage Procedure
- Report the incident to the insurer immediately (notification period is usually 5 days)
- Prepare a report/report
- Expert inspects
- Repair at authorized service
- Insurance pays remaining amount
Objection to Rejection Decision
- Written objection to insurer
- NGO
- Court
Supreme Court 11. HD
11. HD accepts that the reasons for insurance denial must be proven with "concrete document" and that a mere allegation is insufficient.
Insurance law attorney is recommended.