Salah satu tugas personel TNI adalah melaksanakan misi perang dan nonperang. Misi nonperang yang biasa dilakukan TNI adalah turut meningkatkan kesejahteraan masyarakat seperti mendukung program ketahanan pangan yang dicanangkan pemerintah atau program TNI masuk desa untuk membangun fasilitas umum.
Tapi ada misi nonperang yang tantangannya seperti bertempur di medan perang karena harus bertaruh nyawa. Misalnya, melaksanakan misi SAR untuk mengevakuasi korban kecelakaan transportasi udara atau laut.
Baca juga: Karena Menang Terus, Indonesia Raya Disebut 'Lagu Sampai Petang' Saat Lomba Tembak ASEAN..!! Apa Alasannya??Jika ada kecelakaan pesawat terbang yang jatuh di lautan yang dalam personel TNI yang diturunkan sebagai tim SAR bahkan dari pasukan khusus seperti Komando Pasukan Katak (Kopaska) TNI AL.
Pasukan khusus ini memiliki ketrampilan menyelam di laut saat cuaca buruk dan gelombang laut ekstrem. Kendati mereka merupakan pasukan yang sangat terlatih nyawanya tetap terancam jika sampai melakukan kesalahan. Misalnya kehabisan oksigen atau terjebak pada ruangan badan pesawat yang tenggelam.
Selain tantangan medan ekstrem seperti laut dalam, personel TNI yang melakukan misi SAR di hutan-hutan lebat di lereng gunung juga menghadapi risiko tinggi. Yang umumnya terjadi adalah ketika pesonel SAR dari TNI sudah bisa menjangkau lokasi musibah dan menemukan korban, mereka tidak segera mendapatkan logistik seperti makanan dan minuman.
Apalagi untuk mengirim logistik lewat udara menggunakan helikopter sering terhalang cuaca buruk.
Suatu kali, dalam operasi SAR di Gunung Salak, Bogor, Jawa Barat, tim SAR TNI yang sudah kehabisan logistik dan berada di lereng yang curam didrop air mineral dari udara.
Tapi semua air mineral yang ada dalam botol ketika dijatuhkan dari ketinggian tertentu pecah berantakkan begitu menghantam tanah. Para personel TNI yang sudah kehausan pun hanya bisa menelan ludah.
Namun para awak heli tak mau kehilangan akal. Mereka segera kembali ke pangkalan Satgas SAR di Lanud Atang Senjaya, Semplak, Bogor dan mengambil kelapa muda dari pohon-pohon kelapa yang tumbuh bertebaran di kawasan Lanud.
Ketika heli kembali ke lokasi tim SAR TNI yang sudah sangat kehausan, kelapa-kelapa muda itu pun dijatuhkan di atas tanah berumput. Tak ada satu pun buah kelapa yang pecah. Para personel SAR TNI pun bisa minum air kelapa yang khasiatnya lebih dari air mineral itu.
Tiada air mineral, air kelapa muda pun jadi.
5 Consequences of Driving without Car Insurance
Do you own a car? Great! Does your car also have a valid motor insurance cover on it?
Owning a car, while earlier classified as being a luxury, has now moved down to being a comfort. In fact, in metros, a car has almost become a necessity due to long-distance commutes. More and more of us are, therefore, buying a car. But are we also buying the mandatory car insurance policy?
Every car which is to ply on Indian roads should have a valid car insurance cover, states the Motor Vehicles Act, 1988. When you buy a new car, the choice of buying an insurance policy is, thankfully, taken out of your hands. The on-road price of the car is inclusive of the insurance premium for your car insurance policy. The problems arise when the policy expires after a year. Car insurance plans are usually issued for one year after which they should be renewed. If you do not renew it, you are driving a car without car insurance. If numbers are any indication, a study by New India Assurance revealed that about 70% of vehicles on Indian roads are without insurance. Is your car one among them?
If yes, beware. Here are 5 consequences if you drive your car without having a valid Car Insurance policy:
Be prepared to pay heavy fines
Earlier, the Motor Vehicles Act, 1988 governed the road safety and traffic rules. Recently, the Government passed the Road Transport and Safety Bill 2014 to replace the Motor Vehicles Act, 1988. Among other changes, the Bill penalizes you heavily if you are caught driving without having a valid insurance cover. As per the amendments, you would have to part with a whopping Rs.25, 000 for a light motor vehicles or Rs.75, 000 for other motor vehicles as a fine for driving without insurance. A huge fine, isn’t it?
Pay losses for damages caused to third party or property
In an accident, if you unintentionally harm any person or surrounding property, you are liable to pay the loss incurred. This is called third party liability. Your car insurance mandatorily covers this third party liability and spares you the loss incurred. In the absence of a valid insurance cover, you would have to bear the losses incurred. If the person dies, your liability would be very high.
Read more Is third party car worth buying?
Pay losses for own damage
While you have to compulsorily pay losses caused to a third party, what about your losses. In an accident even your vehicle suffers damage. The costs of repairs for such damage are borne by your comprehensive car insurance policy. Without insurance, the onus of paying for the repairs is on you. With the high cost associated with the repairs of your car, a financial strain is inevitable.
Read more about All you need to know about car insurance
Face legal complications
Besides the financial loss suffered in an accident which causes damage to a third party and/or self, you would also be entangled in legal complications if your car is found without a valid insurance cover. You would be penalized, get a challan and might even be imprisoned.
Loss of No Claim Bonus
If your car insurance expires and you do not renew it, besides the penalties and fines, you also lose the No Claim Bonus which you accumulated in your existing policy. Car insurance plans allow a discount in subsequent year’s premiums if there is no claim in any current year. This discount increases every year and saves your premium outgo. If you let your car insurance policy lapse, you lose the accumulated NCB and end up paying a higher premium when the policy is consequently renewed.
A car insurance policy is legally mandatory and not having one results in serious consequences (as mentioned above). While a third party liability cover is mandatory, a comprehensive policy is better. The former pays only for the damages caused to any third party but the latter also covers damages incurred by you and your car. The premium for a comprehensive policy is slightly higher because of higher coverage. For instance, the premium payable for a Maruti Ritz car registered in 2012 having a capacity of 1197cc would have a third party premium of Rs.2237 and a comprehensive premium of Rs.4200 (approximately). With a slight increase in the premium you can avail a higher coverage option which covers for your damages too. Since car repairs are expensive, a comprehensive policy makes more sense even if the premiums are a little high. So do not fall a victim to these consequences and buy an insurance policy for your car today.
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