Pengemudi Wajib Taat Aturan Lalu Lintas dan Pastikan Performa Mobil Bagus

JAKARTA – Setiap pengemudi mobil wajib mentaati aturan lalu lintas. selain itu, mereka harus memastikan mobil dalam performa yang terbaik.

Tujuannya jelas, menghindari kecelakaan. Upaya lain adalah memiliki asuransi kendaraan. Fungsi asuransi adalah meringankan saat terjadi risiko pada dirinya atau benda yang diasuransikan.

Head of Communication and Customer Service Management Asuransi Astra L. Iwan Pranoto mengatakan, bila mengacu pada polis standar asuransi kendaraan bermotor Indonesia (PSAKBI) pasal 1 ayat 1.1, kecelakaan termasuk pada risiko yang dijamin, karena tergolong pada kerugian dan/atau kerusakan yang disebabrkan olehh tabrakan, benturan, tergelincir, atau terperosok. Tentu saja, pihak asuransi akan mendalami terlebih dahulu penyebab kecelakaan tersebut.

“Pada dasarnya pemilik polis harus memahami terlebih dahulu, pihak asuransi akan melihat penyebab dari kecelakaan yang terjadi. Apakah termasuk risiko yang bisa ditanggung atau termasuk pengecualian. Pastikan pengemudi dan kendaraan dalam kondisi yang prima. Asuransi siap menanggung kerugian akibat kecelakaan asalkan pemilik polis mematuhi aturan yang berlaku,” tegas Iwan, Senin (08/11/2021).

Iwan melanjutkan, sesuai PSAKBI pasal 3 ayat, pertanggungan tidak menjamin kerugian, kerusakan dan/atau biaya atas kendaraan bermotor dan/atau tanggung jawab hukum pihak ketiga jika saat terjadinya kerugian atau kerusakan, kendaraan bermotor dikemudikan seseorang yang tidak memiliki surat izin mengemudi (SIM) yang berlaku dan sesuai peruntukannya, sebagaimana diatur dalam peraturan perundang-undangan mengenai lalu lintas yang berlaku.

“Atau dikemudikan seorang yang berada di bawah pengaruh minuman keras, obat terlarang, atau sesuatu bahan lain yang membahayakan. Selain itu, jika memasuki atau melewati jalan tertutup, terlarang, tidak diperuntukkan bagi kendaraan bermotor atau melanggar rambu-rambu lalu-lintas,” imbuhnya.

Pemilik polis juga perlu mengetahui dan memperhatikan beberapa hal saat melakukan klaim, agar tidak ditolak pihak asuransi. Saat terjadi kecelakaan, pemilik polis wajib segera melaporkan detail kejadian serta kerusakan kepada pihak asuransi, melengkapi kelengkapan data yang dibutuhkan, serta selanjutnya dilakukan pengecekan kendaraan tim surveyor.

Ditambahkan Iwan, Garda Oto merupakan produk asuransi mobil dari Asuransi Astra yang bisa dipilih untuk membantu meringankan beban saat musibah kecelakaan melanda. Produk ini menawarkan perlindungan menyeluruh yang bisa menjadi pelengkap keamanan dan kenyamanan saat berkendara.

“Pelanggan Garda Oto yang ingin mengajukan klaim bisa dilakukan dengan mudah. Cukup melaporkan kejadian melalui aplikasi Garda Mobile Otocare atau hubungi Garda Akses 1500115 yang tersedia 24 jam. Selain itu Anda juga bisa langsung mengunjungi kantor cabang atau Garda Center terdekat,” katanya.(****)

195 thoughts on “Pengemudi Wajib Taat Aturan Lalu Lintas dan Pastikan Performa Mobil Bagus

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