Independent Institute Determinants Car Insurance Rating

When someone is willing to insure his car, many are confused: where a bona fide company and trusted. People in countries like the United States, Britain, Japan and Singapore, have almost no problem to find a credible automobile insurance company. Because, there is no ranking.

Companies that bona fide and liquid capital, triple ranked"A" (AAA) and below "BBB". Companies that are in the middle median, rated "CCC", and that was 'serious' condition is rated "DDD".

Rank this course can be trusted because it is done by independent institutions. The institutions that make the rankings based on three categories, namely: car insurance company's financial condition, ability to pay claims and quality of services provided.

Two influential rating agencies are Standard & Poor's (S & P) and AM Best. Reputation of both institutions are known around the world and serve as a reference in choosing a car insurance company.

Benefit of Car Insurance

This type of insurance, known among other life insurance, general insurance and health insurance. Insurance is insurance that protects the property and its contents such as houses, apartments, cars and others.
Car insurance is intended to protect from the threat of unforeseen hazards such as collision, theft of car parts or even the car itself is stolen. By protecting a car with insurance, we can drive a car with a sense of calm and safe to travel anywhere.

1. Types of car insurance coverage consists of:
Combined Insurance (Comprehensive) or All Risk
Guarantee losses resulting from major and minor accidents or loss with the imposition of additional equipment / vehicle destruction or loss.
2. Insurance Losses Total (Total Loss Only / TLO)
Guarantee losses resulting from accidents with minimum damage to 75% of the sum insured or the vehicle is lost.

In addition to the basic protections such as the above, car insurance also provides liability insurance expansion such as the law against third parties and passengers, riots (Strike, Riot and Civil Commotion), Natural Disasters (Act of God), etc.. To learn more about the various terms in the fields of insurance, you can see on the page Glossary of Insurance.

At present, it is very easy for you to obtain car insurance an attractive and appropriate to the needs of as many insurance companies in Indonesia are competing by offering interesting programs. More and more people are insured indicates that the awareness to protect the price of their items from the possibility of danger is getting better.
Insurance companies in the country now compete to provide the best service for the community, both in terms of programs to claim problems.

Reflect of Insurance Service to Swift Car Insurance Company

Service reflects the extent of human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim.

Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.

In this connection should also be questioned, whether the insurance company reinsurance on a first-class reinsurance security. This can be seen from its annual report. It is important to note, because if the company is not in the back-up by reinsurance, the company is likely to be speculative in receiving the premiums.

Tips for Choosing a Swift Car insurance

Choosing a swift car insurance is not easy. Especially in the midst of fierce competition nowadays. Almost all car insurance companies have a product swift car insurance. Stay prospective customers to choose which ones deserve to take. Therefore below we present some criteria so as not to incorrectly selected:

1. Prospective customers do not dwell on the cheap premium rates. Because, in today's competition, many car insurance companies slam prices, offers cheap premium rates. Though not necessarily any guarantee of service.
2. See the swift car insurance package offered. For example, extensive warranties to how much. Therefore, extensive warranties should be adjusted with the desire and ability to prospective customers.
3. See also the network of car insurance companies concerned. For example, how many have a branch office or how many partners have a garage, so once someone claims not to wait long to fix the vehicle or vehicles reported missing.
4. Can be asked in advance convenience, facility or what added value can be obtained when buying the policy in the company. For example, if there is a tow truck, a replacement car or hotline services, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the facility in question.
5. Consider also bonafides car insurance company. Do not get so there is a claim, the partners did not have a garage. Therefore, many car insurance companies claim they are the best. Though its financial condition was very severe.