What To Do In Case of A Car Accident

When car owners purchase insurance policy for their vehicle, one aspect of insurance they need to understand fully is the motor insurance claim process in Philippines. While getting claims from your insurance provider can be a long process, knowing the ins and outs of filing for car insurance claims will help you make the procedure faster and avoid common rejected claim pitfalls.

You Must:

  1. Report loss or damage as soon as possible to the Insurance Company.
  2. Take all reasonable steps to safeguard the property loss or damage.
  3. No admission, offer, promise or payment shall be made by or on behalf of the Insured without the consent of the Insurance Company to preserve the rights of action of recovery against the third party that may be legally responsible for the loss or damage.

Here are the insurance claims process in the Philippines:

NOTIFY – the loss or damage to company immediately by telephone, fax, e-mail or letter with full particular details such as nature of loss, date of loss, estimated loss, contact person and telephone number for ocular inspection. Also, every demand letter, claim, writ, summons and process shall be forwarded to company immediately on receipt.

REPORT – in case of theft or other criminal act which may give rise to the loss or damage, the Insured shall give immediate notice to the Police or any authorities and cooperate with company in securing the conviction of the offender.

COOPERATE – with company appointed adjusters or surveyors to conduct an investigation.

SUBMIT – the duly accomplished Claim form together with requested documents.

Insurance companies differ on requirement in case of a claim. Here are the usual documents needed for filling an auto insurance claim:

  • Completed Claim Form
  • Police Report
  • Affidavit
  • Photographs of the damaged portion and full view of vehicle showing plate number
  • Estimate of repair
  • Photocopy of Driver’s License Identity Card with O.R.
  • Photocopy of Car Registration with M.V.R.R.

OWN DAMAGE/THEFT

(Please Refer to the Basic Documents stated above)

Aside from the above documents, the following are required:

For CARNAPPED/TOTAL LOSS Claims

  • Original copy of Complaint Sheet from TMG (theft loss)
  • Original copy of Alarm Sheet from TMG (theft loss)
  • Original copy of Certificate of Non-Recovery from TMG (theft loss)
  • Full set of keys to vehicle
  • Original copy of Insurance Policy
  • Letter of Release from financial institution (if applicable)
  • Original copy of Cancellation of Chattel Mortgage (if applicable)
  • Secretary Certificate Authorizing the person who will sign in Deed of Absolute Sale & Release of Claim (for corporation only)

THIRD PARTY PROPERTY DAMAGE/BODILY INJURY/DEATH

  • Police sketch plan
  • Letters or notice of claim from Third Party insurers/claimants

Documents Required from Third Party Property Damage

For Motor Car

  • Photocopy of Driver’s License Identity Card with O.R. (if applicable only)
  • Photocopy of Car Registration with M.V.R.R. (if applicable only)
  • Photographs of the damaged portion and full view of vehicle showing plate number
  • Estimate of repair
  • Original copy of Certification of No Claim from third party Insurer

For Non-Motor

  • Proof of ownership
  • Photographs of the damage portion
  • Estimate of repair
  • Other additional documents as may be required other than the above

Documents Required from Third Party Bodily Injury

  • Photocopy of Identification (if legal of age)
  • Photocopy of Birth Certificate (if minor)
  • Original copy of Medical Certificate
  • Original copy of medical receipts with prescription
  • Copy of Income Tax Return (for loss of income)
  • Other additional documents as may be required other than the above

Documents Required from Third Party Death Claim

  • Photocopy of Identification of claimant/heirs
  • Photocopy of Birth Certificate
  • Photocopy of Marriage Certificate (if applicable)
  • Certified copy of Death Certificate
  • Original copy of Funeral Bills/receipts
  • Copy of Income Tax Return (for loss of income)
  • Other additional documents as may be required other than the above

AUTO PASSENGER PERSONAL ACCIDENT

Documents Required from Insured:

  • Original copy of Medical Certificate
  • Original copy of medical receipts with prescription
  • Photocopy of Identification
  • Photocopy of Birth Certificate
  • Photocopy of Marriage Certificate (if applicable)
  • Certified copy of Death Certificate
  • Certified copy of Funeral Bills/receipts
  • Certification of Employment

Other additional documents as may be required other than the above.

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