FakriYT
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FakriYT's post in Ganti Rugi was marked as the answer
Kalau kerugian secara IC ya IC. Tetapi kerugian karena hal OOC misal orang meledakin kendaraan orang lain tanpa alasan itu kamu harus request Refund, tapi kalau sebatas IC misal tabrakan ya itu IC. seperti itu.