New Car Registration and Vehicle Insurance
When buying a new car, one of the things that needs to be done is to register the vehicle with the local government. In Indonesia, this is done through the Jabodetabek Transportation Management Agency (BPTJ) or SAMSAT (One-Stop Manunggal Administration Unit). In addition, it is very important to purchase vehicle insurance to protect the car from damage and loss.
New Car Registration Process
To register a new car, the owner must follow a few steps. First, they must bring important documents such as vehicle ownership certificates (STNK), proof of tax payments, and driving licenses (SIM). Furthermore, the car owner must carry out a vehicle emission test and carry out a technical inspection of the vehicle at a workshop appointed by the government.
After the vehicle passes the emission test and technical inspection, the car owner will be given a new motorized vehicle number (TNKB) and STNK. The fee for registering a new vehicle varies depending on the type of vehicle and the area where it is registered.
Vehicle Insurance
Vehicle insurance is an agreement between the vehicle owner and the insurance company. In this case, the vehicle owner pays a premium to the insurance company and the insurance company guarantees to provide reimbursement in the event of damage or loss of the vehicle.
There are several types of vehicle insurance, such as all risk car insurance, legal responsibility car insurance (TJH), and comprehensive car insurance. All risk car insurance provides protection against car damage due to various types of risks such as accidents, theft, and damage due to natural disasters. TJH car insurance provides protection against losses caused by vehicles to third parties such as road users or pedestrians. Meanwhile, comprehensive car insurance provides protection against losses incurred by vehicles and third parties.
Conclusion
Registering a new car and purchasing vehicle insurance are important things to do. The process of registering a new car involves several stages that must be met by the vehicle owner. Meanwhile, vehicle insurance provides protection against various risks that may occur in a vehicle. Therefore, it is highly recommended to buy vehicle insurance according to your needs and budget.
For new car owners, understanding and implementing the vehicle registration process and purchasing vehicle insurance is important to protect their vehicles and ensure they comply with local government regulations. Here are some tips that can help new car owners in this process:
Prepare the necessary documents well before visiting the vehicle registration office or insurance company. Make sure to bring your STNK and other important documents such as proof of tax payment, driver's license and proof of car purchase.
Research carefully the types of vehicle insurance offered by insurance companies. Choose the type of insurance that suits your needs. Don't forget to read carefully the terms and conditions of the insurance.
Check regularly the validity period of your STNK and vehicle insurance. Be sure to extend your STNK and vehicle insurance premium before maturity.
Don't hesitate to compare vehicle insurance premiums from several insurance companies before deciding to buy. Compare the different types of insurance and benefits offered to make sure you choose the best for you and your vehicle.
Avoid using a car that does not comply with government regulations, such as driving a car without a vehicle registration or vehicle insurance. This can have a negative impact on your safety and the safety of other road users.
By understanding and carrying out the vehicle registration process and buying vehicle insurance properly, new car owners can feel calm and protected in driving their vehicle.
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