Gardaotoku.com | Saat ini banyak pengguna mobil pribadi yang beralih menjadi pengemudi taksi online untuk memperoleh tambahan pendapatan. Namun asuransi mobil yang terdaftar adalah untuk mobil pribadi, bagaimana klaim asuransinya?
Hal tersebut bisa saja dilakukan. Namun, pengguna mobil pribadi harus terlebih dahulu melaporkannya ke pihak asuransi.
“Jadi dilaporkan ke perusahaan asuransi untuk adanya perubahan penggunaan dari pribadi menjadi komersil,” ujar Manager Surveyor dan Garda Center Garda Oto, Bangun Pambudi, di The Hook Restaurant, Jakarta.
Walupun mobil ini juga telah terdaftar uji KIR, tetap harus melaporkan perubahan fungsi. Tentunya perubahan ini akan dikenakan tambahan biaya premi berdasarkan kategori 1-5 yang ditentukan dari harga mobil.
“Mau KIR atau nggak tetapi disewain tetap saja harus lapor perubahan fungsi karena apa ada menerima imbalan jasa apa pun itu. Ganti ke komersil ada ratenya,” kata Bangun.
Apabila pemilik mobil ini tidak melaporkan perubahan fungsi ini, pihak asuransi tidak akan menerima klaim yang diajukan oleh konsumennya.
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