Letnan Dua CKU (K) NI Made Citra Dewi |
"Saya masuk TNi sejak tahun 2014, dan ini adalah tahun ketiga saya menjalaninya," jelas dara Asal Bali tersebut.
Ia juga menolak amanat persepsi bahwa masuk TNI itu sangatlah keras.
"Tidak ada yang keras sebenarnya, hanya saja latihannya lebih disiplin dan lebih tegas," ucap dia.
Gadis 25 tahun yang baru menginjakkan kaki selama sebulan di Kota Manado ini, mengaku terinspirasi masuk TNI dari tantenya.
"Dulu saya suka sekali lihat tante yang tegas dan lugas, sejak saat itu tertanam dalam hati saya, kalau suatu kelak harus jadi seperti Tante," ungkapnya.
Sebelum bergabung dengan Kodam XIII Merdeka, Ni Made Citra Dewi terlebih dahulu menimba ilmu di Direktorat Keuangan Angkatan Darat yang ada di Jakarta.
"Pernah juga jadi Komandan Pleton HUT TNI 2015, dan Komandan Pleton Pasukan 17 Agustus tahun 2016," kata dia.
Banyak hal yang dipelajari oleh wanita yang punya Hobi jalan-jalan itu, ketika bergabung menjadi anggota TNI. "Rasa kebersamaan dan kekeluargaannya lebih terasa, karena kita latihan, makan, dan tidur itu semua serba bersama. Saya juga banyak belajar tentang nasionalisme ketika bergabung sebagai seorang TNI," jelas dia.
Anak kedua dari tiga bersaudara ini juga mengajak para wanita di Kota Manado untuk jangan takut masuk TNI.
"Bagi saya wanita hebat itu mentalnya juga harus hebat, jika ingin punya mental Hebat, masuk TNI adalah jawabannya," tegas dirinya.
NI Made juga berharap kedepannya dengan kehadiran Kodam XIII Merdeka di Sulut bisa setidaknya menangkal paham-paham radikal dan memberikan keamanan bagi masyarakat Sulut dan sekitarnya.
"Sebagai seorang TNI saya siap bila ditugaskan dimana saja, karena itu sudah menjadi tugas dan kewajiban sebagai seorang anggota untuk menjaga dan mempertahankan kedaulatan negara," tandasnya. (nie)
Tribun Manado, Nielton Durado
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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