Wednesday, February 7, 2018

Honda Sumber Baru Dealer Mobil Baru Honda di Purwokerto Cilacap

PT Sumber Baru Global merupakan salah satu authorizhed dealer merk honda di Indonesia. Sampai saat ini telah memiliki 2 dealer mobil baru di wilayah kabupaten banyumas dan cilacap.

Dealer Honda Sumber mempunyai dua main dealer terlengkap dan terbesar baik dari segi stok barang maupun bengkel jasa service yang terpercaya.

Selain melayani penjualan mobil baru, Honda Sumber juga memiliki bengkel body repair sendiri sehingga memudahkan pelanggan yang mengalami kerusakan pada bagian body cat baik yang terkena goresan maupun karena kecelakaan.

Honda Sumber Baru Dealer Mobil Baru Honda di Purwokerto Cilacap

Jika anda beralamat di wilayah area Purwokerto, Cilacap, Purbalingga, Banjarnegara, dan Kebumen bisa langsung datang ke Dealer Honda Sumber terdekat di kota anda.

Dapatkan Harga termurah dengan diskon terbesar dengan menghubungi marketing sales honda sumber rekomendasi kami di bawah ini.

Dealer Honda Sumber Purwokerto

Hubungi sales marketing honda purwokerto di bawah ini untuk mendapatkan potongan dan bonus tambahan dengan menghubungi bagian penjualan rekomendasi kami di Sales Honda Purwokerto.

Alamat Dealer Honda Purwokerto

Jl. Soepardjo rustam no 109 sokaraja kulon, sokaraja, purwokerto, Jawa Tengah

Dealer Honda Sumber Cilacap

Hubungi marketing sales honda cilacap berikut ini agar mendapatkan diskon maksimal dengan harga terbaik dengan menghubungi marketing pilihan Sales Honda Cilacap.

Alamat Dealer Honda Cilacap

Jl. Perintis Kemerdekaan No 39, RT 02 RW12, Gumilir, Cilacap Utara, Kabupaten Cilacap, Jawa Tengah

Untuk informasi lebih lanjut mengenai daftar harga otr terbaru, Spesifikasi, Promo, Simulasi Kredit mobil honda baru bisa langsung menghubungi marketing sales rekomendasi terbaik kami yang terdekat sesuai dengan alamat domisili anda.

Friday, January 5, 2018

How to determine the damage and injury range of a car accident

Traffic accidents. Even a minor car accident can surprise you at least. Of course, if you are injured in a car accident or the property is damaged by a car accident, the emotion can become worse. 

For the safety of your safety and others, even though your car insurance claim is progressing much more smoothly, it is important to be calm and understand before a car accident or collision, and to determine the degree of car accidents and injuries.

How to determine the damage and injury range of a car accident

Stay calm

The first step is to keep it calm. 

It's probably the hardest thing to do, but maintaining serenity will allow you to be in a better position to help others and remember important details that are important to your insurance agent or lawyer in the future. 

Maintaining the consistency also helps to document the details physically.

First in emergencies

Next, call 911 before you complete the proof of the damage document. 

Then make sure you have a wounded person. Help immediately. Also, if you are in a hazardous area to leave your vehicle, you should try and move it if possible. or leave everything intact for the policeman. 

Once an urgent emergency situation does not occur, go to the Globe box and store disposable cameras, pens and paper for specific purposes of the car accident or documentation for collision accidents.

Photos and documents

Start taking photos as fast as possible before the officer or other driver moves.

You feel like you have taken a lot of photos and quickly record the memories of the accident. 

If you have witnesses, get your name and number along with what you have witnessed. 

Anyone involved in a traffic accident needs to know their name and phone number and their account for that case.

Don't argue if you disagree.

Cooperate with the police.
This should be a policeman. Always cooperate with the police and always ask and report the accident.

Sometimes writing a lot of documents can be inconvenient for you and others, but it can be very important if you are dealing with insurance claims quickly or in a car accident.

Considerations for documenting the degree of car accidents and damage:

1. List any missing or damaged personal items stored in the car, such as electronic products, glasses, wallets or purse contents.

2. Record what you feel physically, but make sure it doesn't matter. Sometimes a small back pain caused by a traffic accident can cause serious problems such as a few days later. 
Record the same medical information for everyone involved in the incident.

3. It is important to take all photos and be especially careful about documenting damage to your photos by looking for other things that are damaged in car accidents such as skid marks and light pole or wood.

4. Do not sign anything unless you fully recognize what you are agreeing to. If you do not understand who to sign, it is best to contact an accident attorney for help. 

Also do not admit that the police in charge of the details of the car accident are only discussed and convicted. 

Insurance companies and/or attorneys need only specific details to determine who is responsible for the damages.

How to report a traffic accident to a police officer

Filing a police report after a car accident is an important step in making all the details of the car accident that explains the protection involved and all the parties.

How to report a traffic accident to a police officer

Do you need to report to the police after the accident?

Be sure to contact the police when a car accident occurs. Contacting the police is a requirement of some countries, even if you are not in a state, you are better to contact them and let them decide if they will come to the scene.

If there is a lawsuit after the accident that has done this, you must obey the law for your benefit.

Submit a police report regardless of how small your car accident is.

Even with minor damage, it is important to make sure that incident reporting has been submitted. In some cases, physical and medical damage cannot always be greater when a traffic accident occurs.

Does the police report submission mean you need to claim?

No. Filing a police report does not automatically assert it. The police report is used as a record of the case.

Sometimes, after a car accident, people will deal with financial problems directly, rather than contacting their insurance companies. Police and crash reports must be submitted and may be legal requirements in the States.

Police can help police to make sure the details are accurate.

Police reports and personal injury 

No one will do the best after a traffic accident. You will be shaken without being in a position to judge how you are behaving.

The police are experienced in discovering potential problems and can be helpful. They will also deal with third party for you, and this will give you much stress.

Then they will write a report. You may be injured in a day or two after the accident. If the police report has not been submitted and there is no accident history, the situation can become harder to see in the long run.

Why police should raise an accident 

Submitting an incident report provides an accurate mindset as well as providing a basis for how the insurance company handles the claims properly.

Police can submit a traffic accident report and submit it to the DMV if necessary. . Do not leave the scene until the police submit the full report.

What should I do if the police did not get an accident?

There may be situations where the police are unavailable due to your location or other reasons.

The reason police might not come to the accident scene.

  • In some states, the value of property damage is too low, and the police do not have to go to the accident scene. 
  • If you are concerned about an injury or other problem, you should notify the police when you report it to the police. So you can make decisions based on what happened. 
  • If you are not injured, the police can make a decision. 
  • In the event of a public emergency or disaster, you may not be able to enter the accident site. 
You should always call the police in the field to decide. If you are in a situation where the police are not in an accident, make sure you have completely recorded the incident and the damage. 

What information can I get at the accident site? 

  • Ask yourself what you need to do to tell the police that you can't make an accident, or use an auto accident form or information checklist to get all the information you need. 
  • Find witnesses if possible.
  • Record the damage, location, and third party or witness version that occurred in the scene if possible in a photo, audio or video recording (along with your mobile phone). 
  • If possible, submit a police report and provide the information collected to the police officer.

If the police do not need help, write their own reports and information for insurance claims.
  • The information collected by the car crash can be one of the most important tools in determining the error, and who provides the information? 
  • The car is financially responsible for the accident. 
  • Creating detailed and accurate police reports makes the claims process smooth and fast.
  • It is always helpful to have an honest and detailed explanation to the policeman. In the long run 

What will the police do in the car accident scene?

  • Import basic information 
  • Make sure the traffic and all people are safe and secure. 
  • Call emergency services that may need to be involved, such as ambulances and fire trucks. 
  • Help if you need a ticket due to a breach or carelessness. 
  • Talk to a witness or other third party. 
  • Evaluate situations that can avoid fraud or other suspicious situations. 
  • Please create a report later to claim your insurance or use it in your court if necessary. 
  • Police should help. 

Learn how to contact the police officer who submitted the incident report.

Please make sure that you have provided the card and/or direct contact information to the police officer after the incident report is received.

After an accident, you can often remember the details later. These details can be very important, especially if a lawsuit is filed due to a car accident.

After the incident report is submitted, make sure that you have remembered some key details and contact the policeman to see if you can add these details to your incident report.

Car insurance Scams, Suspicious If You're a Winner!

Even with black boxes and CCTV monitoring all over the world, car insurance scams are becoming increasingly serious.

In the five years since 2010, the number of people caught in a car insurance scam is 260,000, which is the average of 156 people per day.

Car insurance Scams, Suspicious If You're a Winner!

If anyone driving is a car insurance scam that can be targeted, or a sudden accident in an unexpected situation, you may be embarrassed, and we will tell you how to deal with the situation where you can doubt the car insurance scam.

High chair

Fraud type 

A case in which a pedestrian secretly hidden behind a pedestrian crossing before the crosswalk had to go to the vehicle to turn left in violation of the signal.

Features of a cheater (behavioral) 

  • Notify the vehicle driver of the accident that a pedestrian is screaming.
  • Securing the witnesses to the accident facts by mobilizing people around 10. 
  • Use of the weakness of the public negligence accident to require the payment and insurance receipt without police report.
  • Minimize the likelihood of insurance fraud by accepting the amount offered by the insurer without unreasonable requirements, such as a large settlement fee.

How to respond to victims

  • Do not panic in the event of an accident, and ensure accurate and objective evidence of the vehicle's contact with pedestrians and the damage to the pedestrian area.
  • Make accurate information on the site, such as contact of pedestrians
  • In the case of investigating a police officer or insurance company, such as the feeling that there was no contact with the person, specifically explaining the circumstances of the accident and claiming that the suspected accident.

Accident in violation of vehicle law

' Fraud type '

Cases in which vehicles that have been parked by an unauthorized vehicle will inevitably crash without slowing down in the face of an oncoming vehicle

' Features of a cheater (behavioral) '

  • The sudden departure from a standstill and enough to avoid it, the progress caused the accident.
  • We threaten to take criminal responsibility for violations of the center line, and require agreement and insurance. 
  • A large number of personnel aboard the affected vehicle

' How to respond to victims '

  • in the incident process, the police officer and the insurance company, etc., after the accident, specifically stating the other person's words and other, claiming the possibility of the accident of the opponent .
  • Contact the witnesses at the time of the accident 
  • Show the progress path and the accident point of the blood vehicle and shoot the collision area as a photograph

Induction of high chewing stone

' Fraud type '

The case after the change in the lane to induce the sudden braking of the vehicle without any special reason

' Features of a cheater (behavioral) '

  • The reason for the sudden increase in speed when changing the lane of the damage vehicle is unclear 
  • Driving a career change in the field of thinking to the driver to think more about the accident. 
  • Require speedy settlement and insurance treatment without vehicle repair.
  • Several people aboard the vehicle

' How to respond to victims '

  • Specifically identify the reason for the sudden cause of the alleged vehicle
  • I display the location of the vehicle in the field after the accident, the time of the accident, the state of the accident scene and the vehicle, etc.
  • Securing witnesses such as peripheral vehicles and rows in the accident
  • In a state-of-the-way, such as the fact that the police officers and insurance agents were able to avoid the alleged vehicle sufficiently, but deliberately shocked
  • After a moment of entering the vehicle to change the car, and the light side of the contact accident occurs, and once you suspect the accident

Wrist stroke

' Fraud type '

A case of intentionally contacting the wrist in a vehicle running in a narrow alley

' Features of a cheater (behavioral) '

  • To determine the fact of the incident, stop the vehicle by shouting loudly and use the surrounding person to identify the incident.
  • Know the laws and procedures related to incident handling
  • Hospital treatment fees, etc., are required in the field, and a small accident is forced to accept insurance

' How to respond to victims '

  • Determine the exact match, the area of injury and the extent of the impact Show the crash scene, the point at which the accused has fallen, and take a picture
  • Securing witnesses ' statements about the accident situation
  • When investigating a police officer, be sure to ask for accident replays and determine the likelihood of accidents

Car Insurance Fraud Act

  • Accident occurs immediately upon receipt of insurance company
  • Proof of accident and collision with photo shoot 
  • Check with an accident vehicle occupant and eyewitnesses
  • Do not admit to the negligence that the other party claims. 
  • Maintenance Check quote and statement confirmation required for car repair 
  • Designated as an insurance company or use a third hospital

Car Insurance Scams Yes way

  • Complying with traffic laws and living a safe driving 
  • Determine if the vehicle is going to be in a different lane when changing lanes.
  • To ensure ample space and to prepare for accidents due to the sudden acceleration of the rear vehicle In places where vehicles and walking inn, such as alleyways or pedestrian crossings, perform.
  • We install accident image storage device including vehicle black box and respond to insurance fraud.
  • The situation in which insurance fraud can be suspected:a prominent, threatening atmosphere, an exaggerated action to focus attention on traffic laws or insurance processing procedures, and the appearance of the proposed consensus conditions are advantageous to the driver.

Thursday, January 4, 2018

Best Health Insurance: Reimbursement or Closed Medical Chart?

The main reason that has led to health insurance in recent years to become one of the most important insurance forecast is to have a quick health care, without waiting and being able to choose where we want to be cared for. But what is the best health insurance: reimbursement or closed medical chart?

With the increase in the demand for home insurance, insurance companies have been launched with a wide range of health insurance, leaving us a wide variety of options where we can choose.

Best Health Insurance : Reimbursement or Closed Medical Chart?

There are two types of health insurance, health insurance reimbursement and health insurance for medical chart. 

Best Health Insurance: Medical Chart

Medical health insurance is the one in the insured has economic limitations and limitations to choose the doctor or specialist.

It establishes a maximum amount for which the insurance is faced, for different specialties or different treatments are established different maximum quantities.

The medical chart is a table in which there is a list of centers and professionals that we can go to. So if we go to a doctor, specialist or center that is not in the medical box, the insurance will not take over.

Best Health Insurance: Reimbursement

Reimbursement Health insurance is the one in which the insured has no economic restrictions, or limitations when choosing a doctor or specialist. Although this is the best health insurance we can hire, because it is the most complete, it is also the highest economic cost for the insured, because the price of the policy is much higher than the price of a health insurance policy of medical box.

In reimbursement insurances, as your name suggests, the insured runs with all medical expenses, but then the insurance will reimburse them. The reimbursement is never 100%, usually a 80-90% of the total expenditure is usually contracted.

Although the majority of reimbursement insurances that are marketed are usually structured in policies called mixed. The mixed policies are those that have on the one hand a closed medical chart how in the rest of health insurance, which can be attended without any additional cost, but in turn we can also go to a center or to a specialist outside of the medical table , i.e. reimbursement. In this case, it is a mixed insurance enter the reimbursement insurance and that of medical squared. 

What should be taken into account to choose the best health insurance? Medical Chart or refund?

When choosing the best health insurance not only have to look to be the most complete insurance, the most expensive or the best specialists have, but we also have to take into account what are our needs to choose which is the mode of insurance That suits us the most.

Individual or family health insurance: 

when it comes to a family, the health insurance premium is always more in mind, as more people spend more. If you are a family with children, you usually have a family health insurance set.

On the contrary, if it is a family unit made up of two people, it is more logical to consider whether we make health insurance or reimbursement, as it is easier to assume the cost of reimbursement health insurance.

Stable traveler or Residence:

if we have a stable residence in a given place, and health insurance with medical picture that we offer in our area we consider it quite complete it is not necessary for us to make reimbursement health insurance, as with that of Medical table We will be amply covered.

In the case that we travel a lot, either throughout the year for work or in the course of life, easily changing home is advisable to hire a refund health insurance, in this way we will be covered wherever we are, being able to go to the doctor or Nearest specialist and without worrying about whether or not it is included in the medical box.

If we have a preference for a doctor or not: 

if we have a trust or a preference for a certain physician it is normal for us to be more reluctant to change doctors. In this case the most convenient thing is that we hire a reimbursement health insurance, so we will not have to give up our most trusted physicians.

Therefore, to hire the best health insurance not only have to look to be the most comprehensive insurance, with more medical and more coverage, but we will also have to look at the insurance that best suits our needs. And depending on that we choose a health insurance reimbursement or health insurance of medical box.

Download the Insurance Guide

All relevant aspects before hiring insurance! With this basic guide you will be able to consult the most important aspects of the insurances and the insurers.

In the insurance guide you will be able to find varied information such as:

What is insurance?

What types of insurance are there?

what insurance does a credit card have associated with?

what insurances are required?

what is the insurance premium? and among others.

How car drivers can benefit most from insurance rebates

Car insurance providers offer a wide range of discounts when customers meet certain conditions. If you specifically ask, you will be happy about one or the other discount. 

But beware: Usually, discounts are associated with conditions – if they are not complied with, the contract penalties are threatened. 18 possible discounts at a glance.

How car drivers can benefit most from insurance rebates

1. Beginners and first-time owners

In some cases, novice drivers can benefit if their parents have a high degree of damage-free allowance. Some insurance companies then make the descendants of the insured a little cheaper. Car insurance discounts are also available for first-time owners of cars. However, if the vehicle in question is sold, it must be reported to the company.

2. Professional groups

Insurance companies grant discounts to members of certain professional groups. This includes officials or interior workers. According to "Handelsblatt", statistically, they cause fewer accidents.

3. Users of railways and buses

The owner of a Bahncard should present it to the insurance company. For those who use the bus or train more often and leave the car standing, get perks from many companies.

4. Exclusive Driver Discount

If the vehicle is only insured for one driver, the risk of accidents is reduced-the car insurance is cheaper. However, the car may only be used by the person concerned.

5. New cars and first-time owners

If you have a new car or a second-hand car that is less than three years old, you have the chance to get a new car discount for car insurance. This discount is often only valid for the first year of insurance.

6. Garage Discount

In a garage, a car is better protected from theft or severe weather than when parked on the street. If a garage is indicated at the end of the insurance, this can have a positive effect on the premium.

7. House or apartment owner

The owner of a self-occupied house or an apartment is classified as a low-risk insurance group. The companies reward this with a discount – especially if the same insurance includes a residential building insurance.

8. Family Discount

Parents of small but also of larger children usually travel more cautiously and are less involved in accidents. That's why many providers offer a family discount for car insurance.

9. Discounts for women?

Women are preferred by some insurance companies because they are considered more cautious or more defensive drivers. However, since December 2012, there have been unisex tariffs, so that insurance companies can no longer reward a gender group with more favorable premiums. However, existing contracts are not affected.

10. Private Cruises

If the insured car is used only for private trips, some companies grant a discount. The road to work is also considered a private trip.

11. Environmental friendliness

Insurances reward environmentally friendly cars. These include cars that consume little petrol or are emissions. If you have a hybrid or a powered vehicle, you may also receive discounts on car insurance.

12. Freedom of damage

Those who remain free of accidents must pay lower insurance premiums. Insurances reward years of accident-free driving.

13. Safety Training

Vehicle owners who have participated in a recognised driving safety training can ask the insurance company for a discount.

14. Discount for Wenigfahrer

Those who use their vehicles little, also cause fewer accidents-and ideally pay lower premiums. The so-called kilometer mileage is decisive here. Vehicle owners enter these at the conclusion of the contract-deviations must be reported. Many companies question the mileage annually.

15. Loyalty Rebate

Those who have remained loyal to their insurance for many years can expect a discount.

16. Second Car discount

If a second car is registered via a policyholder, this is generally more favorable. Some insurance companies assume that both cars are registered with the same company, while others are not so important.

17. Workshop Binding

Most insurers offer discounts on car insurance if the insured person is obligated to have his car repaired in the event of any damage in a workshop designated by the insurance company.

18. Online Discount

Anyone who completes their insurance online will receive a discount from some insurance companies. For companies, it is cost-saving when financial statements and customer service are handled via the Internet.

Wednesday, January 3, 2018

Advantages & Disadvantages of Life Insurance

Life insurance offers several advantages not available from any other financial instrument; yet it also has disadvantages.

Advantages & Disadvantages of Life Insurance

The following are some of these benefits and disadvantages to follow life insurance. For more details can be found in the article below :

Advantages of Life Insurance

  • Life insurance provides an infusion of cash for dealing with the adverse financial consequences of the insured’s death.
  • Life insurance enjoys favorable tax treatment unlike any other financial instrument. Death benefits are generally income-tax-free to the beneficiary.
  1. Death benefits may be estate-tax free if the policy is owned properly.
  2. Cash values grow tax deferred during the insured’s lifetime
  3. Cash value withdrawals are treated on a first-in-first-out (FIFO) basis, therefore cash value withdrawals up to the total premiums paid are generally income-tax free. 
  4. Policy loans are income tax free. 
  5. A life insurance policy may be exchanged for another life insurance policy (or for an annuity) without incurring current taxation. 
  • Note: All of the above statements are generally true; however the tax benefits of life insurance have certain limitations which under the wrong set of circumstances can cause the tax benefits mentioned to be lost. Please discuss with your insurance and tax advisor. 
  • Many life insurance policies are exceptionally flexible in terms of adjusting to the policyholder’s needs. The death benefit may be decreased at any time and the premiums may be easily reduced, skipped or increased.
  • A cash value life insurance policy may be thought of as a tax-favored repository of easily accessible funds if the need arises; yet, the assets backing these funds are generally held in longer-term investments, thereby earning a higher return.

Disadvantages of Life Insurance

  • Policy holders forego some current expenditure to pay policy premiums. Moreover, life insurance is typically purchased for the benefit of others and usually only indirectly for the insured person.
  • Cash surrender values are usually less than the premiums paid in the first several policy years and sometimes a policyowner may not recover the premiums paid if the policy is surrendered.
  • The life insurance purchase decision and the positioning of the life insurance can be complex especially if the insurance is for estate planning, business situations or complex family situations.
  • The life insurance acquisition process can be annoying and perplexing (e.g. Is the life insurance agent trustworthy? Is this the right product and carrier? How can medical underwriting be streamlined?).

Advantages and Benefits of Life Insurance If Compare to Other Asset

When checking the balance of family finance, you may classify homes, vehicles, pension funds or financial investments as an asset.

It's just, there is another element that could give the benefits that cannot be provided by other assets. This asset is a life insurance policy.

The Added Value Of Life Insurance

Outside of the death benefits, life insurance has some other advantage that can extend and protect your family's financial security.

Advantages and Benefits of Life Insurance If Compare to Other Asset

Here are some additional benefits offered life insurance:

1. Access to Cash

After accumulating, cash value life insurance policy loans accessible through or withdrawn for various purposes such as the financing needs of the family or venture capital, fund education, meet emergency needs, or to pay a premium.

2. Asset protection

Life insurance offers the sum assured directly to beneficiaries when the insured dies.

This money could be used to pay fees and taxes when the process of succession of other assets (tax for behind the name of the property, the cost of the notary to dilute the deposits, etc.).

Sum assured of life insurance memastika family members left unable to pay all the costs.

Death benefits also give family members the funds needed to sustain their lives in comfort.

3. Accumulation of Assets securely & Consistent

Cash value life insurance is guaranteed by the insurance company so you will always have access to assets that will continue to evolve over time.

4. Flexibility with minimal Restrictions

You can access the cash value in life insurance (after a certain period of time) without any restriction that may be contained on other assets.

For example, there is no maturity which must be passed before you can withdraw the money stored in the deposits.

5. Long term Saving Financial for you and your family

After you accumulate cash value for decades, You have several options for accessing these funds.

You can withdraw the cash value, keep some of the benefits of death and pull some cash value, or continue the policy to protect the family and used later as a legacy.

6. Secure top of Various Unexpected Events (Live Cover)

As long as premiums are paid, whole life insurance will provide coverage throughout your life, even if the health or personal situation change.

By purchasing a life insurance policy as early as possible, you can lock all these benefits early and with a fee (premium) lower.