Lompat ke konten Lompat ke sidebar Lompat ke footer

Widget Atas Posting

Ngeri Liatnya :'( Akibat Angin Kencang, Pedagang Pentol ini Tewas Tertimpa Pohon di tepi jalan.. Pesan Terakhir Kepada Keluarga Bikin Merinding :'(


Ngeri Liatnya :'( Akibat Angin Kencang, Pedagang Pentol ini Tewas Tertimpa Pohon di tepi jalan.. Pesan Terakhir Kepada Keluarga Bikin Merinding :'(

Angin kencang disertai hujan yang menerjang Kabupaten Pacitan petang tadi menyebabkan satu orang pengguna jalan tewas tertimpa pohon tumbang di Desa Kecamatan Bandar Pacitan, Jumat (03/09/2021).


  How Insurance Works

There is a multitude of different types of insurance policies available, and virtually any individual or business can find an insurance company willing to insure them—for a price. The most common types of personal insurance policies are auto, health, homeowners, and life. Most individuals in the United States have at least one of these types of insurance, and car insurance is required by law.
Key Takeaways

    Insurance is a contract (policy) in which an insurer indemnifies another against losses from specific contingencies or perils. 1
    There are many types of insurance policies. Life, health, homeowners, and auto are the most common forms of insurance.2
    The core components that make up most insurance policies are the deductible, policy limit, and premium.

Businesses require special types of insurance policies that insure against specific types of risks faced by a particular business. For example, a fast-food restaurant needs a policy that covers damage or injury that occurs as a result of cooking with a deep fryer. An auto dealer is not subject to this type of risk but does require coverage for damage or injury that could occur during test drives.

In order to select the best policy for you or your family, it is important to pay attention to the three critical components of most insurance policies—the deductible, premium, and policy limit

There are also insurance policies available for very specific needs, such as kidnap and ransom (K&R), medical malpractice, and professional liability insurance, also known as errors and omissions insurance.
Insurance Policy Components

When choosing a policy, it is important to understand how insurance works.

A firm understanding of these concepts goes a long way in helping you choose the policy that best suits your needs. For instance, whole life insurance may or may not be the right type of life insurance for you. There are three components of any type of insurance (premium, policy limit, and deductible) that are crucial.

A policy's premium is its price, typically expressed as a monthly cost. The premium is determined by the insurer based on your or your business's risk profile, which may include creditworthiness.

For example, if you own several expensive automobiles and have a history of reckless driving, you will likely pay more for an auto policy than someone with a single mid-range sedan and a perfect driving record. However, different insurers may charge different premiums for similar policies. So finding the price that is right for you requires some legwork.3
Policy Limit

The policy limit is the maximum amount an insurer will pay under a policy for a covered loss. Maximums may be set per period (e.g., annual or policy term), per loss or injury, or over the life of the policy, also known as the lifetime maximum.

Typically, higher limits carry higher premiums. For a general life insurance policy, the maximum amount the insurer will pay is referred to as the face value, which is the amount paid to a beneficiary upon the death of the insured.

The deductible is a specific amount the policy-holder must pay out-of-pocket before the insurer pays a claim. Deductibles serve as deterrents to large volumes of small and insignificant claims.

Deductibles can apply per-policy or per-claim depending on the insurer and the type of policy. Policies with very high deductibles are typically less expensive because the high out-of-pocket expense generally results in fewer small claims.
Special Considerations

With regard to health insurance, people who have chronic health issues or need regular medical attention should look for policies with lower deductibles.

Though the annual premium is higher than a comparable policy with a higher deductible, less expensive access to medical care throughout the year may be worth the trade-off.
Trade With a Reliable Broker
Interested in an accessible trading environment? FBS can help you get the best trading experience. With more than 17 million clients in 150 countries, FBS makes it easy to enter the market and boost your trading skills. You’ll also enjoy a Level Up Bonus of up to $140 when you open an account. Learn more about the advantages of trading with FBS and get started now.


Korban bernama Jumiran 46 tahun, warga desa setempat tersebut tewas di atas motornya saat menjajakan jualanya. Korban tudak dapat menghindar saat pohon tumbang terjadi, sehingga tepat mengenai kepalanya.



‘Pak Jumiran tidak dapat menghindar pada saat pohon tumbang. Beliau menunggal di atas motor dan dan rombong pentolnya, kepalanya remuk akibat kerasnya pohon yang tumbang tertiup angin,” kata Kusno.

Saat itu memang turun hujan disertai angin.

 Korban tidak berhenti tetap meneruskan perjalanan, sehingga tertimpa pohon.

Peristiwa ini sedang ditangani Polsek Bandar bersama TNI BPBD dan warga. Untuk dilakukan pemotongan pohon tersebut dengan gergaji mesin dan selajutnya dievakusi ke rumah duka.