A Car Insurance Claim Letter is a crucial document used in Indonesia when a policyholder needs to make a formal claim against their car insurance policy following an accident, damage, or loss. The document must be prepared in accordance with Indonesian insurance law, particularly Law No. 40 of 2014 and OJK regulations governing insurance claims. This letter typically includes comprehensive details about the incident, policyholder information, vehicle specifications, damage assessment, and any third-party involvement. It serves as the initial formal communication between the policyholder and the insurance company, triggering the claims process and forming part of the official claim documentation. The letter should be accompanied by supporting evidence such as photographs, police reports (if applicable), and repair estimates from authorized workshops.
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1. Policyholder Information: Full name, policy number, contact details, and address of the policyholder
2. Date and Reference: Current date and any reference numbers (policy number, claim number if already assigned)
3. Incident Details: Comprehensive description of the accident/incident including date, time, location, and circumstances
4. Vehicle Information: Details of the insured vehicle including make, model, year, and registration number
5. Damage Description: Detailed description of the damage sustained by the vehicle
6. Claim Request: Specific statement of the claim being made and requested compensation
7. Declaration: Statement confirming the truth of the information provided
1. Third Party Information: Details of other parties involved in the incident, including their insurance information - include when another vehicle or party is involved
2. Police Report Reference: Details of police report if filed - include for accidents involving other parties or significant damage
3. Witness Information: Contact details of any witnesses to the incident - include when witnesses are present
4. Injury Description: Details of any injuries sustained - include when personal injuries occurred
5. Temporary Transportation Request: Request for temporary transportation allowance while vehicle is being repaired - include if coverage is available
1. Photographic Evidence: Photographs of vehicle damage and accident scene
2. Police Report: Copy of the police report if applicable
3. Repair Estimate: Official estimate from authorized repair shop
4. Driver's License: Copy of valid driver's license
5. Insurance Policy: Copy of relevant pages of insurance policy
6. Medical Reports: Copies of medical reports if injuries were sustained
7. Witness Statements: Written statements from witnesses if available
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