Wrong, because motorbikes today can be dangerous on the highway so motor insurance is very mandatory, different from ancient times where the motorbike has not been dangerous on the highway.
<h2>Further Explanation
</h2>
The definition of motorbikes insurance is the coverage of loss or damage to motor vehicles. In principle, the guarantee is against damage to the motor vehicle itself and legal liability for other parties who are harmed when using the vehicle.
basic insurance for motor vehicle insurance guaranteed by insurance companies
<h3>The basic coverage conditions that can be guaranteed by insurance companies consist of:
</h3>
1. Damage to the vehicle
2. Liability, consisting of:
- Third-party legal liability
- Passenger legal liability
<h3>Coverage provided by the insurance for motor vehicle insurance can be divided into 2, namely:
</h3>
1. Combined or Comprehensive
This coverage is called All risk, although the designation is not entirely correct, because there are also risks that are excluded. Called Comprehensive or combined because this type is offered with a guarantee liability against other parties or third parties.
Loss or damage that can be replaced by insurance ranging from losses due to scratches, dents, loss of vehicle parts to total loss. Each claim will incur its risk costs which are costs that must be incurred by the policyholder each time the incident when submitting a claim.
2. TLO or Total Loss Only
Guarantees with this coverage still use the risk provisions as in comprehensive coverage, but the loss can be replaced if a loss occurs, the total amount of loss has exceeded 75% of the market price of the vehicle.
Because the replacement can only be obtained after there is large damage or loss, of course, this type of coverage is cheaper than the comprehensive type. Usually, the premium amount reaches 50% or even lower compared to comprehensive type premiums.
<h3>Types of causes of vehicle damage that is guaranteed by the insurance
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For motor vehicle insurance, there are provisions regarding guaranteed risks for vehicles that are the object of insurance. The details of the guaranteed risks are as follows:
1. Vehicle loss/damage caused by:
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Collision, impact, upside down, slip from the road
- Other people's evil deeds
- Vehicle or equipment theft
- Fire losses
- Permit Sambal
- Damage during transportation
2. Third-party legal liability
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definition of motorbikes insurance brainly.com/question/1557032
The basic coverage conditions that can be guaranteed by insurance companies brainly.com/question/1557032
Types of causes of vehicle damage that is guaranteed by the insurance brainly.com/question/1557032
Details
Grade: High School
Subject: Social studies
keywords: motorbikes insurance
