Instead of you being the loser because you have paid the premium every month but can't claim insurance because it doesn't match the rules of the game, then know how to claim vehicle insurance first.

Total loss only (TLO) car insurance will only grant a claim if the car suffers a total loss. The indicator is the damage suffered by at least 75 percent of the total or experiencing theft.

If you buy a car on credit, it will generally automatically get TLO insurance. Even so, you can also buy it yourself if you buy a car in cash.
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Here are the steps for claiming TLO insurance.
If the insured car is lost, the claim process begins with making a loss report in advance at the police station where the incident occurred.
You will be asked to write a written chronology of the events.
Don't forget to bring all required documents such as KTP, SIM, STNK and BPKB (if any). Also insurance policies and loss reports.
Submit the document to the insurance company.