uCrack 14/06/09, 01:49 pm
1st party vs 3rd party..
back to basic..Why insured your car? Why goverment suruh kita insurance kan kereta kita?
Aku insurance kan kereta aku sebab biler hilang, xsident, cermin depan pecah kena batu waktu bawak keta lelaju, aku taknak tanggung kerugian..Sumer liability atas kemalangan ditanggung sepenuhnyer oleh pihak insurance..
Advantages 1st party vs 3rd party coverage
1st party, cover tuntutan terhadap risiko yg ditanggung oleh kereta yg di insured kan, dan juga kereta yg berlanggar dengan kerata yg di insured kan tadi..Tapi 3rd party hanya cover tututan terhadap risiko kereta yg dilanggar oleh kereta yg diinsured kan..Tapi 1st party nyer policy lebih mahal berbanding 3rd party..and so far, aku tak tau pun yg kerajaan tak bg buat 3rd party coverage? mungkin insurance company jer kut..
Sebab kerajaan hanya wajibkan sekurang2nyer kereta OTR perlu di insured dengan atleast 3rd party policy sebab nak lindungi mangsa kemalangan..iye la, kang kalo sumer orang takde insurance, susah plak..so, atleast yg tak bersalah tue, dapat gantirugi..so, kalo yg bersalah tue cuma cover 3rd party, dier kena repair la keta sendiri..
Kenapa orang rasa 1st party tak perlu?
Sebab orang tue kate kereta dier tahun 1980, toyota GL, harga market tinggal 5k..kalo kena langgar, biar jer la..janji roadtag murah..dari bayar insurance mahal2..
Kenapa orang rasa perlu 1st party?
sebab orang tue takut kereta dier yg harga 5k tue, biler kena langgar, atleast ader orang repair..dahlah tak mampu nk beli keta baru, keta lama nie nanti tersadai kt workshop takde duit nak bayar..
kepada kengkawan yg di luar sana, aku nk bercerita sedikit tentang medical insurance..nak bayar premium murah, dapat policy murah, dapat coverage rendah..cam tue gak sebalik nyer..kalo sayang nyawa, kesihatan, so, amik better policy..and of coz, with higher premium..cam tue gak, kalo rasa sayng kereta, amik better policy..tambah windscreen coverage, or 3rd party + theft, atau amik comprehensive terus..and of coz, u have to pay for it..kalo rasa mahal, and tak berbaloi, terpulang..justify risk vs benefit..pay now, or pay later..
Falsafah chinese berbunyik "Good item not cheap, Cheap item not good" and again, i m not bias, this are my point of view, u might view this as a part of opinions, or better ignore it..
my 2cent