These three steps make it safe to drive a car on the road

DAPURPACU – The risk of touching a vehicle or even an accident on the road can be experienced by anyone. The precautionary factor does not necessarily guarantee you will be safe on the road.

Especially for four-wheeled vehicles (cars), a high level of vigilance is required because the ‘body’ is large compared to a motorcycle.

Accidents are risks that will force you out of large sums of money. Meanwhile, car repair costs are not cheap, both for body and engine damage.

“The above risks still exist even though we as car owners have complied with the signs and are more vigilant when driving on the road,” said Aulia Akbar, financial planner and financial educator for Lifepal.

The big question is, can accidents be avoided 100%? It’s possible to do this by not operating your vehicle at all, but that’s not what we want.

Here are some tips as a precaution against the risk of road accidents, including:

Choose the right car insurance
The only product that can protect you from any financial risk in the event of an accident, crash, or vehicle theft is vehicle insurance.

Simply put, the financial burden that must be borne due to the accident will be transferred to the insurance company. Broadly speaking, car insurance is divided into two types.

First, total lost only (TLO) which covers financial losses due to motor vehicle theft or serious damage, which is equivalent to 75% of the price of the car.

Meanwhile, all risk car insurance will cover all types of risks experienced, unless there are agreed exceptions.

If you live in a densely populated area, it is advisable to choose all risk insurance because the risk of minor damage is quite high.

Lifepal has a solution through Various insurance options are available that will suit your needs and vehicle type.

Even to make your choice easier, you can directly select the comparison feature to choose the most suitable insurance.

Prepare an emergency fund
In addition to protection through insurance, you can also set aside an emergency fund, which is quite useful for dealing with unexpected expenses related to car ownership.

Call it such as changing important spare parts (tyres, batteries, and so on). In addition, an emergency fund is also very useful if you make a car insurance claim.

Please note, your car insurance will not cover 100% of the repair costs incurred due to risk. There will be a fee called Own Risk (OR) which is generally IDR 300 thousand, which must be paid by the car owner when making a claim per incident.

The purpose of enacting the deductible or OR is so that car insurance owners remain careful driving a car.

Also protect yourself and your family
It is not enough if you only have insurance that protects the car. Some all risk car insurance generally have benefits in the form of personal accident protection.

However, the amount of compensation provided by car insurance may be considered insufficient, so there is no harm in adding protection in the form of personal accident insurance.

Medical expenses for accidents are also not cheap. And what’s worse than that, the driver could be disabled, to death due to this event.

For that, it’s a good idea to add insurance for personal accidents as well as all family members. [dp/MTH]

Source: by

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