{"id":3532,"date":"2022-02-27T09:59:30","date_gmt":"2022-02-27T08:59:30","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/ubezpieczenie\/pzu-auto-oc\/"},"modified":"2026-10-15T22:06:31","modified_gmt":"2026-10-15T20:06:31","slug":"pzu-asuransi-kendaraan-bermotor","status":"publish","type":"ubezpieczenie","link":"https:\/\/polisarium.pl\/id\/tu\/pzu\/samochod\/pzu-auto-oc\/","title":{"rendered":"Asuransi Tanggung Jawab Sipil Kendaraan Bermotor PZU"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Apakah Anda pemilik kendaraan bermotor? Terlepas dari seberapa sering Anda menggunakannya, Anda wajib memiliki asuransi tanggung jawab hukum (OC). Jika tidak, kecelakaan atau tabrakan dapat mengakibatkan biaya perbaikan yang sangat tinggi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Untuk siapa?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ini adalah asuransi wajib bagi pemilik kendaraan. Ketentuan, ruang lingkup kewajiban, dan batasan-batasannya dapat ditemukan dalam Undang-Undang tentang Asuransi Wajib, Dana Jaminan Asuransi, dan Kantor Asuransi Transportasi Polandia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kapan dan bagaimana kami bisa membantu?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Jika Anda adalah pihak yang menyebabkan kecelakaan, sehingga Anda wajib memperbaiki kerusakan yang ditimbulkan atau menggantinya. Jika Anda memiliki asuransi PZU Auto OC, maka kami yang akan membayar ganti rugi kepada pihak yang dirugikan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kami bertanggung jawab atas kerugian yang timbul selama dan sehubungan dengan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>gerakan kendaraan,<\/li>\n\n\n<li>saat naik atau turun dari kendaraan,<\/li>\n\n\n<li>pemuatan atau pembongkaran langsung dari kendaraan,<\/li>\n\n\n<li>penghentian atau pemberhentian sementara kendaraan.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Kami menanggung secara finansial kerugian yang nilainya tidak melebihi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5.210.000 euro untuk kerugian akibat cedera tubuh (misalnya, jika ada korban yang meninggal atau terluka dalam kecelakaan),<\/li>\n\n\n<li>1.050.000 euro untuk kerugian harta benda (misalnya, kerusakan mobil, pembatas jalan, atau pagar properti pribadi).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Asuransi ini menanggung kerugian yang diakibatkan oleh kematian, cedera tubuh, gangguan kesehatan, atau kehilangan, kerusakan, maupun kerusakan harta benda. Kami menangani perbaikan kendaraan, perawatan medis, tunjangan, atau ganti rugi atas kematian seseorang.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OC beroperasi di wilayah Polandia, negara-negara Uni Eropa lainnya, Andorra, Bosnia dan Herzegovina, Montenegro, Islandia, Liechtenstein, Norwegia, Serbia, Swiss, dan Britania Raya.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Perluasan cakupan asuransi:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PAO UTO \u2013 asuransi tanggung jawab hukum atas kerugian yang ditimbulkan oleh pemilik atau pengguna kendaraan yang diasuransikan dalam PZU Auto OC saat mengendarai alat transportasi pribadi UTO, misalnya sepeda, kursi roda, atau skuter,<\/li>\n\n\n<li>PZU Bantuan di Jalan Varian Komfort \u2013 bersama dengan asuransi tanggung jawab hukum (OC), kami menawarkan layanan bantuan dasar, yaitu PZU Bantuan di Jalan dalam varian Komfort,<\/li>\n\n\n<li>Kartu Hijau \u2013 sebelum berangkat ke beberapa negara, Anda harus memiliki sertifikat asuransi tanggung jawab hukum internasional \u2013 yang disebut Kartu Hijau,<\/li>\n\n\n<li>Penanganan Klaim Langsung (BLS) \u2013 jika kendaraan Anda mengalami kerusakan akibat tabrakan, Anda dapat mengajukan klaim ganti rugi kepada kami. Kami akan mengurus semua formalitas dengan perusahaan asuransi lain dan membayarkan uang ganti rugi kepada Anda,<\/li>\n\n\n<li>Pengecualian klaim dari asuransi tanggung jawab hukum (OC) \u2013 berkat opsi ini, klaim pertama dari polis asuransi tanggung jawab hukum (OC) tidak akan memengaruhi besaran premi saat Anda mengikat polis asuransi tanggung jawab hukum (OC) berikutnya di PZU.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Mengapa hal ini layak dilakukan?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kami menjamin penanganan langsung atas kerugian tersebut,<\/li>\n\n\n<li>asuransi tanggung jawab hukum bagi pengendara sepeda, pengguna skuter listrik, dan pengguna alat transportasi pribadi lainnya,<\/li>\n\n\n<li>Kartu Hijau \u2013 sudah termasuk dalam premi asuransi PZU Auto OC,<\/li>\n\n\n<li>Bantuan di jalan raya Komfort, yang juga mencakup konsultasi medis bagi pengemudi jika terjadi kecelakaan.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Perlindungan asuransi \u2013 pengecualian dan batasan<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kami tidak bertanggung jawab atas kerugian:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>atas kerugian yang ditimbulkan oleh pengemudi kepada pemiliknya,<\/li>\n\n\n<li>pada kendaraan yang dimiliki atau dimiliki bersama oleh pemegang kendaraan yang mengalami kerugian \u2013 kecuali jika kendaraan-kendaraan tersebut merupakan objek perjanjian sewa guna usaha dengan pemberi pembiayaan yang sama, telah dialihkan kepemilikannya kepada kreditor yang sama, atau merupakan objek hak retensi atas barang yang dijual kepada kreditor yang sama,<\/li>\n\n\n<li>dalam muatan, kiriman, atau bagasi yang diangkut dengan imbalan bayaran \u2013 kecuali jika tanggung jawab atas kerugian tersebut ditanggung oleh pemilik kendaraan lain selain pengangkut barang-barang tersebut,<\/li>\n\n\n<li>yang berupa kehilangan uang tunai, perhiasan, surat berharga, dokumen, serta koleksi filateli, numismatik, dan sejenisnya,<\/li>\n\n\n<li>yang berkaitan dengan pencemaran atau kontaminasi lingkungan.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Informasi lengkap mengenai cakupan pertanggungan PZU Auto OC dapat Anda temukan dalam Undang-Undang tentang Asuransi Wajib, Dana Jaminan Asuransi, dan Kantor Asuransi Kendaraan Bermotor Polandia.<\/p>","protected":false},"featured_media":3364,"template":"","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":""},"rodzaj-ubezpieczenia":[11],"class_list":["post-3532","ubezpieczenie","type-ubezpieczenie","status-publish","has-post-thumbnail","hentry","rodzaj-ubezpieczenia-samochod"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>PZU Auto OC | Polisarium<\/title>\n<meta name=\"description\" content=\"Ochrona w razie kolizji, wypadku lub szk\u00f3d wyrz\u0105dzonych osobom trzecim. 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