How do insurance claims?

I lost my motorcycle helmet Yamaha Jupiter Z, lisingnya Adira Finance, an agreement if the engine (credits) are lost in the first year I get a refund for OTR value (cash price of the motor / USD. 13 million), but once I am just getting a motorcycle insurance claim money is jutaan.karena Rp.1.2 up after I had some amount of money Rp.13 million of insurance should I still pay my obligation (to pay the installment), but not mentioned the agreement must meet the obligation hilang.Dan engine if I get the insurance money in about three months.
Please help ya !!!!!

We do not have the right to take any action prior authorization from the insurance company.

Provide the information below, as if the report through telephone / fax / letter telèks /:

1. Insurance policy numbers
2. Non political master
3. Mark Machin
4. Policy number car
5. Event date
6. Site
7. Loss of objects
8. A brief description of accident / loss

DOCUMENTS - document requested CLAIM

* KM must complete and submit round - document
as below each time a claim km.
1. Complete the claim form (form may be required)
2. Photocopies of insurance policies
3. Photocopies of driver's license and vehicle registration
4. Certificate of local police (BAP) claim if the machine
loss of standard equipment / person per standard or lose
vehicles and also the car km heavily damaged
or third parties who have it.

SPECIAL CLAIM or damages pèrt total VEHICLE

* In addition to the document - the document stated above, they submit km
documents - other documents as below if you make a claim
loss of vehicle:
1. Original vehicle registration
2. Machine tumors min. 2
3. Regional Department Chief of Police Criminal Investigation Directorate certificate
4. BPKB original invoice
5. Blank receipts in tripl empty
6. Blocking vehicle registration

CLAIMS RESPONSIBILITY specific third parties, including legislation (Part III Liability)

Km * If there was a crash with a loss in the third party's (TPL) and km are required to replace losses, kmharus Then, complete and submit the document - the document as a:
1. Certificate of local police (Investigation Report)
2. Copy of vehicle registration and third-party Sim
3. Letter request from a third party who has signed on stamp duty
4. Photo losses of material from third parties
5. A statement of whether any insurance

Foyer - Hal repair cars on the EX-Accident / workshops

* If the document - the document is complete and the vehicle km km claim
or loss in the third party review, hence the decision
repair / replacement of damages is the responsibility of the insurance.
* Name a workshop that will improve vehicle km will immediately inform the insurance company.

Hal - another important thing that needs to Know

KM asked not repair or replace damaged vehicle km or third parties either in themselves - individually or unilaterally, without the knowledge or consent of the insurance.
Warranty cov