RakyatRepublika – What is the general issue of Mayawi and Mercedes? Answer: Both vehicles need to get a valid car insurance on the road.
If you have a car in a new or other hand, local or imported, you must have a valid car insurance to drive on the road; It’s easy.
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Anyone who says something different is either badly aware or respects their welfare and surroundings.
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In addition, if you do not have a valid car insurance and way tax (these two come in handy, you cannot buy or renew one without each other), you may need to remove the extra money for traffic Calls LS. He was marked by the police or stopped in the barricade.
According to the 1987 Road Transfer Act, both automobile owners in Malaysia must have valid car insurance and road tax that must be renewed annually.
However, except for legal requirements, it is also important to get enough car insurance for your vehicle, so that if there is something bad (no collision, a natural disaster and even theft), you can rely on your insurance. Repair costs – or replacement.
Based on research conducted by Malaysia’s Road Safety Research Institute, there were more than 400, 000 traffic accidents, which were registered in 2020, about 5,000 people, which were only fatal in 2020.
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This is enough reason for buying the right and large insurance lisi to meet you and your vehicle while on the road.
In the Malaysian market, there are three types of engine insurance, each of which is unique to covering you and/or your vehicle.
The third part cover is the cheapest of the three car insurance cover and the most basic car insurance in Malaysia.
Imagine this: It was a rainy night and you would go home late. The road is slippery and suddenly, your car will explode at an intersection and you hit another driver. With luck, you escaped without injury – but that can’t be said for the person you are in collision.
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To avoid spending some excessive money to pay for hospital’s in-oices ises, you will need a third-party car insurance to not mention car repairs.
As the name suggests, a third part cover insurance includes the allegations made to you for physical injuries and deaths given to others (third parties). It also has no damage or damage to its vehicles or properties.
Often, the third part of the fire and theft cover acts just like a third of the cover, but if your car suffers from fire damage or theft, this policy allows you to request.
Please note that this valve type is related to the damage/damage caused by accident and theft, but the accident does not cause damage/damage caused by itself.
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This car insurance gives a wider scope than the two car insurance IDS scenes mentioned earlier.
In addition to providing the cover of everything mentioned above, it also includes damage to your own car!
For example, comprehensive car insurance is recommended if you can’t afford your car to buy a new car or use your savings to use another car.
For example, you trust your car and to go to work and do not apply the views mentioned earlier, it is better to provide a comprehensive cover that will provide the equivalent of your car backup value (current market value), so You can at least go and get another car.
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The decision of the right amount of car insurance is not a rocket. Insurance companies aim to make your life easier and determine the most suitable total insurance according to your car’s market value.
Additional factors are relevant to determine your premium with the investigation implemented from July 2017. However, the ideal total insured actually returns to the market value of your vehicle.
Simply put, insurance companies have technical details of your car production year, engine size, model type, horsepower and more. They can withdraw from the database, so they know the original value of your vehicle against the current market value of your car, considering the actual mileage.
Open, if you buy a new car of 100 RM, 000, your total insurance should ideally be the same amount.
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As the original price decreases over the years and your car grows older every year, the low value and market price of your car can be reduced every year.
Theoretically, you can decide to buy the insured lower insurance than the market value of your vehicle. For example, if your car’s market value is RM22, 000, you only decide to buy RM20, 000 insurance.
You can save a few dollars, but in the end, the premium difference can only be relatively small and punished for lack of insurance insurance.
Although it is attractive to hunt the best vehicle insurance contracts, you can carefully read the terms and conditions of the three policies and to be familiar with what is included and excluded in your space.
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All events are not covered by car insurance Policy Lissy, even if you think it can be just, because your car insurance plan is a bit higher – or most – one of the best plans you can buy compared to other plans.
If you find that standard car insurance can reconsider the cost of your medical in -oices Ises – even if you enter a traffic accident – even if you enter a traffic accident.
A comprehensive car insurance also covers the damage to your vehicle (and the person you collide with the vehicle).
However, as a driver to meet your medical costs, you can add a personal accident insurance cover to your vehicle insurance.
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Alternatively, you can also get a separate independent medical or personal accident insurance lisi to help Medical Inc. Oices Ises. – Make sure you cover the injuries caused by car accidents.
Travelers who suffer due to traffic accidents will usually make a simple case than the person behind the steering wheel – if there are two vehicles in the accident, one of the drivers will be ignored and responsible for physical injuries. Travelers.
To avoid paying these claims in your own pocket, you can add the responsibility of passengers to your vehicle insurance POLICY Lisi.
With special rims, leather seats, and expensive sound systems, you can bend your brand new car with your friends (dates).
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Most standard car insurance Policies Lisy does not cover repairs or replacement costs for these special accessories, but you can consult your vehicle insurance provider, which you can expand to your space accessories.
As the parts of the vehicle exit over time (except the pieces made of glass), the cost of your car loses with them.
If you are planning to insure a car pushing car at the age of 15, it may be difficult for it to get a comprehensive car insurance Policy Lisy, but instead you can choose a third of the cover.
These unfortunate events are often called natural disasters or earthquakes and hurricanes and usually do not cover with standard car insurance Policies lisi.
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Of course, this will result in a premium prolonged premium, but if you live a flood and/or landslide, all your savings will be more money than spending on repair costs. Expensive.
Car policy policy holders allow additional benefits and space to extend the space to separate the additional cover from standard scope. Contact your insurers to request this additional cover.
1. Flood, wind storm, rain storm, typhoon, hurricane, volcanic eruption, earthquake, landslides, landslides, soil/soil or other shock of nature
You should think, why do I need a personal accident insurance above car insurance? We prepared a comparison table to answer this question:
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Before July 2017, the premium rate for car insurance in Malaysia was similar in almost all insurance providers (depending on the value of your vehicle and engine capacity).
The insurer mainly base the premium calculations on the technical details and age, and thus the market value of your car.
However, with the implementation of the description in July 2017, insurance companies are now paying attention to various additional factors to determine your vehicle insurance premium.
This risk -based assessment has been assigned to actively reduce the risks of drivers and to promote low premiums. The main risk factors about the driver are:
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Age – If you have a “P” license. (**)
