All Articles With Category : Car Insurance

The latest and the best financial news, tips and tricks.

8 Car Insurance Add-ons You Need to Consider

Getting a comprehensive car insurance policy is a smarter decision than just settling for the government-mandated Compulsory Third Party Liability (CTPL) insurance. Comprehensive insurance provides better protection against the financial impact of car damage and theft, personal accident, and property damage, among others. Read more: Basic Types of Car Insurance Coverage Explained But don’t be misled into thinking that “comprehensive” means “complete” in car insurance. Some benefits you need as a motorist may not be included in the standard package and are instead offered as optional car insurance add-ons or riders. Here are eight car insurance add-ons or riders to consider when purchasing a car insurance policy in the Philippines. Table of Contents1. Roadside AssistanceRoadside assistance may include the following benefits:2. Acts of Nature or Acts of GodActs of Nature may cover these natural events:3. Personal Effects Coverage4. Loss of Use5. Riots, Strikes, and Civil Commotion Coverage6. Lost Wage Recovery7. Pet Injury Coverage8. Legal AssistanceFinal ThoughtsGet a Free Car Insurance Quote! 1. Roadside Assistance Roadside assistance from an insurance provider is extremely helpful when your car breaks down due to electrical or mechanical issues, flooding, or a road accident. During a roadside emergency, just ring your insurance company and let them know what happened, and help will be on the way. When choosing an insurance policy, make sure your car insurance add-ons include a 24/7 roadside assistance coverage. This will save you from the headache of dealing with your stalled vehicle alone on the road. Roadside assistance may include the following benefits: Vehicle assistance Emergency towing Vehicle removal using a crane…

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Car Rental Companies: Finding the Best Car for Rent Deal

Looking for the cheapest car rental service in the Philippines? Here’s the thing about saving money when renting a car: the price isn’t the only thing to consider when choosing the best rent-a-car company. Cheaper doesn’t necessarily mean better. Of course, you need to stay within your budget. But you also have to look at other things that drive car rental prices: service, vehicle selection, hidden fees, inclusions and limitations, and other terms and conditions. The car rental provider’s garage locations and vehicle safety features are important considerations as well. Check these things between different rent-a-car service providers. There has to be a balance between the price and the quality of service that a car rental company provides. In this guide, we’ll compare some of the top car rental companies in the Philippines. Table of ContentsCar Rental LocationsCar Rental in Manila, Cebu, Davao, and Other CitiesCar for Rent ServicesCar Rental Service ComparisonVehicle SelectionWhat’s the Right Vehicle Type for Your Needs?Vehicle Selection ComparisonVehicle Condition and FeaturesCar Rental PricesWhat Affects Car Rental Prices?How to Compare Car Rental Rates?Package Inclusions and ExclusionsExtra Fees and ChargesFinal Thoughts Car Rental Locations When shopping around for car rental companies, the first thing you have to check is each provider’s pick-up and drop-off points. You want to make sure that the car rental location is accessible to you. Ideally, it’s located nearest your home, at the airport where you’ll arrive, or at the hotel where you’re staying. This way, you won’t be as hassled when picking up and returning the rental car. Car Rental in Manila, Cebu, Davao, and Other…

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Grab Insurance Guide for TNVS Operators in the Philippines

A vehicle owner in the Philippines can make money from being a ride-hailing service operator or driver. Whether you’re looking for a part-time or full-time job, registering as a Grab Peer will add to your primary source of income. If you’re thinking of signing up as a GrabCar operator, check the step-by-step registration procedure here. Aside from joining the Grab platform, ride-sharing service operators are required by the Land Transportation Franchising and Regulatory Board (LTFRB) to register their vehicles under the category of Transportation Network Vehicle Service (TNVS). This will grant them a Certificate of Public Convenience (CPC), which authorizes them to operate around Metro Manila and key cities nationwide. Operators without a CPC may be apprehended. Once you’ve submitted your requirements for TNVS registration, you’re required to apply for PAMI insurance (1) on top of your existing car insurance policy. Keep reading to learn more about PAMI insurance, as well as Grab insurance for TNVS drivers and passengers in the Philippines. Table of ContentsHow to Insure GrabCar Through PAMI InsuranceWhat is PAMI Insurance?What Does PAMI Insurance Cover?How to Apply for PAMI InsuranceHow to Claim PAMI InsuranceHow to Insure GrabCar Through Grab InsuranceWhat is Grab Personal Accident Insurance?What Does Grab Insurance Cover?How to Claim Grab Insurance for Personal AccidentFinal ThoughtsGet a Free Car Insurance Quote! How to Insure GrabCar Through PAMI Insurance What is PAMI Insurance? PAMI stands for Passenger Accident Management and Insurance Agency, Inc., a management company that implements the passenger personal accident insurance program. It’s one of the LTFRB’s partners (the other being SSCI Management and Insurance Agency…

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10 Car Insurance Myths You Should Stop Believing

When it comes to car insurance, Pinoys worry a lot about the cost, coverage, and claims processing. But if you research and read up on car insurance myths and facts, you’ll realize that some of your assumptions about insurance could actually be incorrect. Are your beliefs about car insurance accurate? Know the real score and be enlightened. Here are the car insurance myths in the Philippines that should be debunked. Table of Contents1. Car Insurance Premiums are Expensive2. Red Cars are More Expensive to Insure3. Car Insurance Cost is the Only Thing That Matters4. Having CTPL Insurance is Good Enough5. Comprehensive Car Insurance Automatically Covers Acts of Nature6. Personal Car Insurance Covers Business Use of the Car7. Car Insurance Covers Personal Items Inside the Vehicle8. If Someone Else Drives My Car, That Person’s Insurance Must Cover the Damages9. Claims Processing is Tedious and Complicated10. Making a Claim Will Raise the PremiumFinal ThoughtsGet a Free Car Insurance Quote! 1. Car Insurance Premiums are Expensive This is a sweeping generalization about car insurance costs in the Philippines. Although insurance premiums for certain vehicle types and models (i.e., luxury cars, sports cars, etc.) are higher, not all cars are expensive to insure. You’d be surprised to learn that many cars in the Philippines can be insured for as low as PHP 7,000 to PHP 12,000 per year (equivalent to just PHP 1,000 or less per month). This is especially true for most hatchbacks and sedans from manufacturers like Suzuki, Honda, Mitsubishi, and Toyota. Aside from choosing a car that’s cheap to insure, there…

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First Time Driver? Here’s How to Get the Right Car Insurance for You

Being a new and young driver comes not only with perks but also responsibilities, like maintaining your car regularly, driving safely, knowing and obeying the traffic signs and rules, and getting a driver’s license. An equally important but often overlooked task: getting one’s car insured. Before you hit the road and enjoy your newfound freedom, make sure you have the right insurance for first time drivers. This means getting a policy with enough coverage at the right cost. This way, you won’t be burdened too much with repair bills should something happen to your car, another person or property, or yourself after an accident. Here are some tips on choosing car insurance for first time drivers in the Philippines. Table of Contents1. Pick the Right Car2. Figure Out the Car Insurance Coverage You NeedMust-Have Coverage on Insurance for First Time Drivers3. Compare Car Insurance Quotes4. Choose the Right Car Insurance Company5. Decide Where You’ll Buy Car Insurance6. Understand the Policy Before Buying ItFinal ThoughtsCompare Car Insurance Quote from Top Providers 1. Pick the Right Car Several factors drive the cost of car insurance up or down, including the vehicle’s price, type, and safety. This is why some vehicles cost more to insure than others. For example, luxury brands like Mercedes-Benz and BMW are more expensive to insure than the likes of Suzuki, Toyota, Honda, and Mitsubishi. In terms of vehicle type, hatchbacks and sedans are cheaper to insure than SUVs and sports cars. Cars that are safe to drive tend to have lower insurance prices than cars that are accident-prone….

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Cars for Sale in the Philippines: Top Places to Score New Wheels

Buying your first car is an exciting yet overwhelming experience. There are plenty of decisions to make. Should I buy a brand-new or used car? What’s the right model for me? How will I finance a car purchase? And of course, the most important questions you should be asking yourself are: Where do I find cars for sale in the Philippines? Which dealership can help me pick the perfect car for the best price? To help you choose the right dealership, we’re listing the best car dealers as well as online marketplaces for new and second-hand cars for sale in the Philippines. Table of Contents7 Best Car Dealers in the Philippines to Find Cars for Sale1. Honda Cars Philippines2. Mazda Philippines3. Mitsubishi Motors Philippines4. Toyota Motor Philippines5. Nissan Philippines6. Hyundai Philippines7. Automobilico3 Best Websites to Find Cars for Sale in the Philippines1. Carmudi Philippines2. AutoDeal3. Philkotse.comFinal Thoughts 7 Best Car Dealers in the Philippines to Find Cars for Sale 1. Honda Cars Philippines Honda car buyers in the Philippines are the happiest in their new vehicle purchase and delivery experience. In fact, the Japanese carmaker takes the top spot in terms of overall sales satisfaction in the J.D. Power 2019 Philippines Sales Satisfaction Index[1]. The latest J.D. Power study findings were based on different factors that contribute to the satisfaction of customers with their car buying experience. These factors include sales consultant, dealer facility, delivery process, paperwork completion, working out the deal, and dealer website. The study also measured how likely a new car owner would recommend their vehicle brand….

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Fully Paid Car Loan? Here’s What You Should Do Next

So, you’ve finished paying the monthly amortizations for your car loan. You’re probably wondering what will happen at the end of your auto loan term. Most people think that after paying off a car loan in the Philippines, the vehicle is theirs without having to do anything. But technically, the bank that provided the loan still owns the unit. You have to do several things shortly after you’re fully paid on the loan, so you can finally become the true owner of the car. Here’s what you should do next after paying off your car loan in the Philippines. Table of Contents1. Confirm Availability of Your Collateral Documents2. Claim Your Collateral Documents from the Bank3. Have Your Chattel Mortgage Cancelled4. Go to LTO for Cancellation of EncumbranceLTO Requirements for Cancellation of MortgageSteps to File for Cancellation of Mortgage/Encumbrance at the LTO5. Renew Your Car Insurance PolicyFinal Thoughts 1. Confirm Availability of Your Collateral Documents Around 10 to 15 banking days after your final car loan payment, the bank will notify you about the availability of your original collateral documents for release. If you haven’t heard from the bank after that period, call its customer service hotline to ask for confirmation of your full payment and when the documents will be ready for pickup. Some banks like BDO require setting an appointment to claim the collateral documents. If your car was financed through a BDO auto loan, set a schedule online here. Before claiming your documents from the bank, check if your car registration is valid and updated. Make sure your…

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Affidavit for Car Insurance Claim: Why You Need It and How to Get One

When you ask your car insurance provider about the requirements for a claim, one of the items on the list is a notarized affidavit. Now you wonder: Why do I have to provide an affidavit for car insurance claim? Aren’t the photos I took of the accident and my damaged car enough to prove what happened? How do I get this document? If this is your first time to file a car insurance claim, read on to know more about this important requirement for claims processing. Table of ContentsWhat is a Notarized Affidavit?Why You Need a Notarized Affidavit for Car Insurance ClaimHow to Get a Notarized Affidavit for Car Insurance Claim1. Prepare the Necessary Information2. Visit a Notary Public3. Sign the Affidavit4. Pay For the Notarial Fee5. Get Your Notarized Affidavit for Car Insurance ClaimSample Format of Affidavit for Car Insurance ClaimYou can download the affidavit sample format here.Final ThoughtsGet a Free Car Insurance Quote! What is a Notarized Affidavit? While this legal term sounds too technical for common people, the meaning of “notarized affidavit” is actually simple—it’s a written and signed statement of facts verified to be true and can be used as evidence in any court case. When an affidavit for car insurance claim is notarized, it means that you have sworn under oath about the truth of the facts in the affidavit and signed it in front of a notary public [1]. The document should also have the notary public’s signature and seal. Read more: A Complete Guide to Filing a Car Insurance Claim Why You Need…

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20 Cheapest Cars to Insure in the Philippines

Affordability is a crucial factor that influences a car purchase decision. When buying a vehicle, one of the first things you’d like to know is how much it will cost to own a particular model. But the cost of car ownership involves not just the unit’s selling price. There are other equally important costs that come with having a car—insurance is one of them. Read more: How Much Does Car Insurance Cost in the Philippines? Fortunately, a lot of options are available in the market when it comes to the cheapest cars to insure. Most of them happen to be cars with the cheapest vehicle selling price, especially hatchbacks from Japanese automakers such as Suzuki, Mitsubishi, Honda, and Toyota. What model are you planning to buy? Is it inexpensive to insure? Check out the top cars that are cheap for insurance. Table of Contents1. Suzuki Alto 800Cheapest Annual Car Insurance Premium: PHP 7,155 (2019 Suzuki Alto 800 0.8L Gas M/T)2. Hyundai EonCheapest Annual Car Insurance Premium: PHP 7,334 (2019 Hyundai Eon GL 0.8L Gas M/T)3. Suzuki CelerioCheapest Annual Car Insurance Premium: PHP 7,619 (2019 Suzuki Celerio 1L Gas M/T)4. Chevrolet SparkCheapest Annual Car Insurance Premium: PHP 8,868 (2019 Chevrolet Spark LS 1L Gas M/T)5. Suzuki Super CarryCheapest Annual Car Insurance Premium: PHP 9,546 (2019 Suzuki Super Carry Pick Up Truck 0.8L Gas M/T)6. Mitsubishi LancerCheapest Annual Car Insurance Premium: PHP 9,804 (2019 Mitsubishi Lancer GLX 1.6L Gas M/T)7. Suzuki APVCheapest Annual Car Insurance Premium: PHP 10,860 (2019 Suzuki APV GA 1.6L Gas M/T)8. Honda CityCheapest Annual Car Insurance Premium: PHP…

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The Most Expensive Cars to Insure in the Philippines

Not all cars are the same. Some cars cost more to insure than others. With all the BMWs and Mercedes zipping around BGC or Makati, you might be wondering: which are the most expensive cars to insure in the Philippines? Planning to buy a luxury car or even dream of owning one like those of high-profile Pinoy celebrities? You should also consider the cost of car insurance aside from the actual unit’s selling price. Be ready to pay higher insurance premiums to protect your precious investment. Table of Contents20 Most Expensive Cars to Insure in the Philippines1. Mercedes-Benz SL632. Mercedes-Benz S6503. Mercedes-Benz GTAnnual Car Insurance Premium: PHP 315,619 (2019 Mercedes-Benz GT AMG 4L Gas A/T)4. BMW 7 Series 750Li5. BMW 7 Series 740Li6. Mercedes-Benz SL5007. BMW M58. BMW M69. Jaguar XJ10. Nissan GT-R11. Land Rover Range Rover Sport12. Lexus RC13. Mercedes-Benz E20014. Land Rover Range Rover Velar15. Jaguar F-PACE16. Land Rover Range Rover Evoque17. Chevrolet Camaro18. Ford Mustang19. Jaguar XE20. Land Rover DiscoveryWhat Makes Car Insurance Expensive?Personal FactorsVehicle FactorsFinal Thoughts 20 Most Expensive Cars to Insure in the Philippines Here are the cars with the highest car insurance premiums in the Philippines in 2019. One of these models may just be the car of your dreams. 1. Mercedes-Benz SL63 Annual Car Insurance Premium: PHP 405,548 (2019 Mercedes-Benz SL63 AMG 5.5L Gas A/T) This two-seater hardtop roadster packs 577 horsepower under its hood (thanks to the twin-turbo V8 engine), enabling you to go from zero to 96.56 kph in a few seconds. It’s also among the most expensive cars to insure,…

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Switching Car Insurance Companies: Step-by-Step Guide

Been sticking with a certain car insurance company you signed up with at the dealership? While there may be good reasons to keep renewing with the same insurer, know that you don’t have to stay with your current provider if you think you deserve better. Yes, you can change car insurance companies—it’s your right as a consumer. In doing so, you won’t miss out on a better deal with another car insurance provider. Here are the important things to know before you switch to a new car insurance company. Table of ContentsWhat are the Benefits of Switching to a New Car Insurance Company?When Can I Change My Car Insurance Provider?How to Change Car Insurance Companies1. Assess Your Car Insurance Coverage Needs2. Compare Car Insurance Quotes3. Gather Feedback4. Choose the Car Insurance Company You’ll Switch To5. Make the Switch6. Notify Your Auto Loan Provider about the New Car Insurance CompanyFinal Thoughts What are the Benefits of Switching to a New Car Insurance Company? Over time, your car insurance coverage needs (and the cost of each type of coverage) change. Your financial situation is likely to be different from the time you got your existing policy. And you might realize that the service you’re getting is not up to par with your expectations. These reasons make signing up with a new car insurance company a good idea. Depending on the new insurer you choose, you can reap various benefits from changing car insurance companies. Here are some of them: Saving money on insurance premiums Getting a better deal at a lower cost…

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11 Car Care Tips to Protect Your Vehicle During Typhoon Season

Roughly 20 typhoons visit the Philippines every year. How prepared are you for the typhoon season? Since we can’t predict how massive these typhoons will be until they start to happen, the only thing we can do to minimize their risks is to prepare for them. Taking care of your car is just as crucial as protecting lives and your home during a typhoon. It’s expensive to repair or buy a new car to replace a severely damaged one, so it’s better to be proactive rather than reactive. Here are things you should remember to protect your car during the typhoon season in the Philippines: Table of Contents1. Drive Safely2. Park to Safer, Higher Ground3. Protect Your Car from Flooding4. Keep Electrical Parts Dry5. Check Your Car Insurance Coverage6. Wash Your Car Before and After the Rain7. Check All Rubber Seals8. Replace the Windshield Wipers9. Clean the Windshield Washers10. Monitor Weather Updates11. Inspect Your CarFinal Thoughts 1. Drive Safely The importance of careful driving can’t be stressed enough during the rainy season. It isn’t just for your safety but also for the longevity of your car. When driving in the rain, keep these precautions in mind: Remain calm and don’t make sudden motions. Avoid any distraction while driving. Keep a 360-degree vision of everything around you from your mirrors. Keep a safe distance from the car in front of you. Drive at a speed limit that you’re comfortable with to make better driving decisions. Do not follow trucks and buses. Water splashed from their large tires will impair your vision….

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Getting Comprehensive Car Insurance? Prepare These Requirements

For any vehicle owner in the Philippines, car insurance is a necessity. In fact, a Compulsory Third Party Liability policy is mandated by local law. This means that if you are to register a car with the Land Transportation Office, that car needs to be insured to be valid for operation. However, a CTPL policy covers just a certain aspect of your insurance. It only covers the death or injury of a third party and not the damages made on your car. This is why it is important to have a comprehensive car insurance policy. Apart from protecting yourself and your vehicle,  a comprehensive policy covers your passengers from several road-related risks and hazards. Buying comprehensive car insurance can be easy if you compare your options and be prepared with the requirements. Take note of the steps and the following comprehensive car insurance requirements for a hassle-free process. Table of ContentsDetermine Your InsurerPrepare the RequirementsHere are the comprehensive car insurance requirements to prepare:What Happens Next? Determine Your Insurer If you already have a CTPL policy, odds are you already have a provider. But as you can generally purchase insurance through the LTO, a comprehensive car insurance policy may be an entirely separate thing. If you aren’t sure which company to get it from, there are insurance comparison websites like Moneymax to help you along. One thing to remember is that your premium will depend on the make, model, and age of your car. Older cars may have higher premiums than newer ones owing to their Fair Market Value. Note that…

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Top Causes of Road Accidents in the Philippines

Statistics on road accidents in the Philippines all paint the sorry state of traffic safety in the country. In Metro Manila alone, road crashes have been on a rising trend for over 10 years since 2005. Figures almost doubled from 63,072 incidents in 2007 to 116,906 in 2018. Human error is responsible for the majority of road accidents in the country. It includes actions resulting from the driver’s negligence, distraction, or physical challenge, such as loss of control, drunk driving, bad overtaking, bad turning, texting while driving, and overspeeding. According to the Philippine National Police (PNP), human error accounts for eight to nine in every 10 accidents nationwide. Authorities believe the lack of driver’s training contributes to human error. Read more: 7 Reasons Why Attending a Driving School is Worth the Cost Here are top causes of road accidents in the Philippines (in no particular order) based on data from the PNP-Highway Patrol Group (PNP-HPG), Metropolitan Manila Development Authority (MMDA), and Philippine Statistics Authority (PSA). Table of ContentsTop Causes of Road Accidents in the PhilippinesLost ControlDrunk DrivingMechanical FailureLost BrakesOverspeedingUsing Mobile Device While DrivingBad TurningBad OvertakingJaywalkingFinal Thoughts Top Causes of Road Accidents in the Philippines Lost Control Lost control proves to be the most dangerous for both cars and motorcycles in the metro, as data from the recent Metro Manila Accident Reporting and Analysis System[1] shows. In 2018, it killed a person, injured 24 people, and caused damage to property 10 times. Losing control of your car can be the most frightening situation on the road. But it’s preventable. Take control…

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6 Safety Tips When Driving This Rainy Season

Did you know that August, September, and October are among the most dangerous months to drive along Metro Manila roads? These rainy months recorded more than 10,000 car accidents in 2018, according to an MMDA report. This data is hardly surprising, as driving conditions during the monsoon season are difficult because of wet roads and low visibility, which worsen traffic conditions. All these factors increase the risk of accidents. Driving safely in bad weather is definitely crucial. Here are some safety tips when driving in the rain you’ll want to take note of. Table of Contents1. Check Your Car Before DrivingWindshield and WipersBatteryHeadlightsBrakesTires2. Drive CarefullyAdjust your Speed to Match the Traffic SpeedSlow Down When Approaching Deep Puddles and CurvesDrive More SmoothlyBeware of Road Hazards3. Use Your Auto Lights ProperlySwitch Your Headlights OnDon’t Use High BeamsDon’t Turn On Your Hazard Lights4. Control Your Car When It’s Skidding5. Keep a Safe Distance From the Other Car6. Avoid Flood-Prone RoadsFinal Thoughts 1. Check Your Car Before Driving Give your car a thorough inspection before you take it out for a drive, especially during inclement weather. Pay close attention to your windshield and wipers, battery, headlights, brakes, and tires. Windshield and Wipers Don’t forget to inspect your windshield and wipers. Your windshield should be free from stains, its wipers must be in good working condition. Battery During the rainy season, car batteries tend to drain quickly because of the prolonged use of the headlights and windshield wipers. When their wiring gets wet, it could lead to a short circuit. Prevent these issues by regularly checking your battery’s condition…

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Got Into a Car Accident? Here’s What You Should Do

Even if you do everything to avoid a car accident and drive carefully, there’s no telling if and when you’ll figure in a road crash. Vehicular collision statistics prove how dangerous Philippine roads can be, especially in Metro Manila where many accident prone roads are located. In 2019, Metro Manila recorded 121,171 accidents that led to deaths, injuries, and damage to property, based on Metropolitan Manila Development Authority’s (MMDA) data[1]. Of course, you don’t want to be part of the statistics, but accidents can happen anytime. This is why it’s crucial to know what to do after a car accident before it occurs. Properly handling the aftermath of an accident will keep you safe, prevent the situation from getting worse, and help you make a successful car insurance claim. Always remember to take these steps after getting into a car accident. Table of Contents8 Things to Do After Getting Into a Car Accident1. Don’t Drive Away From the Accident Scene2. Check If It’s Safe to Get Out of the Car3. See If Anyone is Hurt4. Take Photos of the Car Accident5. Move Your Car to the Roadside6. Exchange Information with the Other Party7. Call the Authorities8. Contact Your Car Insurance Provider9. File a Car Accident Report10. Make a Car Insurance ClaimFinal Thoughts 8 Things to Do After Getting Into a Car Accident 1. Don’t Drive Away From the Accident Scene When you figure in a collision, stop your car and never leave until everything has been resolved, even if it’s a minor incident. Don’t move your car to the roadside…

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Killer Highways: 10 Most Accident Prone Roads in the Philippines

These days, you might be hard-pressed to think about the danger of driving in the Philippines, mostly because the traffic in Metro Manila has gotten to the point where main roads are congested even in the wee hours. Still, certain roads out there require extra care when navigating through them. Some of these roads are notorious for having high incidences of vehicular collision and fatalities. These roads can be considered some of the most accident prone roads in the Philippines. Table of ContentsEDSATop 5 Accident Prone Areas Along EDSAC-5 RoadTop 5 Accident Prone Areas Along C-5 RoadCommonwealth AvenueTop 5 Accident Prone Areas Along Commonwealth Ave.Quirino HighwayAlabang-Zapote RoadHalsema HighwayKennon RoadOld Zigzag RoadTagaytay-Talisay RoadSampaloc RoadFinal Thoughts EDSA In 2018, EDSA recorded the highest number of accidents—a whopping 17,276 (around 47 incidents per day)—that resulted in damage to property, injuries, and fatalities, based on the MMDA’s Metro Manila Accident Reporting and Analysis System[1]. As the longest and busiest thoroughfare in the metro, Epifanio Delos Santos Avenue (EDSA) is where a high volume of cars passes through, increasing the odds of a collision. Fun fact: the number of accidents on this road reached such a high that MMDA officials had it blessed in 2012, following a bus crash on the EDSA Ortigas flyover. According to the MMDA, most deadly road accidents on EDSA usually occurred before dawn when the road is less congested. Jaywalkers and overspeeding motorists ignore road signs and break traffic rules. Read more: 9 Driving Mistakes That are Most Likely to Kill You Top 5 Accident Prone Areas Along EDSA The MMDA’s latest road safety findings reveal the most dangerous parts of EDSA. Be very careful…

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8 Possible Reasons Your Car Insurance Claim Got Denied

Now that you have a car insurance, you’re guaranteed financial protection from any car-related damages you might incur on the road. However, a car insurance doesn’t give you the license to act recklessly out there. You can’t just apply for a claim after a car accident and expect to receive money in an instant. Your insurance provider will investigate your accident thoroughly before deciding to cover the expenses or not. And if you got your car insurance claim denied, don’t freak out just yet. There’s probably a good reason why it was denied in the first place. Table of Contents8 Reasons Why Car Insurance Claims are DeniedUnpaid PremiumsPolicyholder’s NegligenceLack of CoverageDeductible AllowanceUnauthorized RepairUnlawful ActivitiesPrior Damage to the VehicleDirect Violation of PolicyFinal ThoughtsGet a Free Car Insurance Quote! 8 Reasons Why Car Insurance Claims are Denied Unpaid Premiums This goes without saying, but your claim will obviously get denied if you still have unpaid premiums. This is why insurance providers recommend paying your car insurance in full. You’d think you’re saving money by choosing a 90-day or monthly payment plan, but that’s not the case. Accidents tend to happen sporadically. They are so random that they can happen during the first few days of your payment plan. If that happens, you’ll end up paying for the repairs yourself, together with the remaining balance of your car insurance. Policyholder’s Negligence Another obvious reason for a denied insurance claim is your negligence. We’ve established earlier how insurance providers investigate your claim before covering the expenses. So if your insurance provider found that you’re…

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Car Maintenance Checklist to Curb the Summer Heat

Summer’s here and you’re probably feeling the heat not only at home but also inside your car. With temperatures rising up to 42°C, driving your vehicle can be quite a challenge, especially during daytime. However, it’s not only you that’s suffering. Your vehicle experiences temperature changes as well, which may cause breakdowns and damages. Most of them aren’t visible so it’s important to check on your car before driving under the sun. Keep your car in tip-top shape this summer with this handy car maintenance checklist. Related Article: BLOWBAGETS: 10 Things to Check Before You Drive Table of ContentsCar Maintenance ChecklistCheck your ACChange your oil and oil filterInspect the radiatorPark in shaded placesDon’t forget the batteryBeware of smelly seatsCheck your tiresWatch out for overheatingFinal Thoughts Car Maintenance Checklist Check your AC If you think being stuck in traffic is the worst this summer, think again. Imagine being stuck in traffic at high noon with a broken air conditioner. Sounds like hell, right? This season, ensure that your auto air conditioner is in good condition by doing a system check. Start by feeling the air coming out of the AC and assess how warm, cool, or cold it is. If the air is not too cold as it should be, there’s probably an airflow issue. Ask a car maintenance professional to check your air conditioning system to prevent further inconvenience. Change your oil and oil filter When’s the last time you changed your oil? Take note of your oil changes because car oil works to keep your engine running smoothly. The oil…

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10 Underrated Summer Destinations You Can Travel by Car

Listen up, weekend warriors: If you’re planning something different for your road trips this year (and avoid the crowded touristy places), you have a lot of wonderful summer destinations near Manila to choose from. Considerations include your budget, interests, and how far you’re willing to go. Here are some awesome summer destinations in the Philippines you should visit for a quick weekend getaway: Table of Contents1. Republ1c Wakepark (Calamba, Laguna)2. Sabang Beach and Charlie’s Point (Baler, Aurora)3. Pacific Recreation Kamp (Real, Quezon)4. Seven Lakes of San Pablo (San Pablo, Laguna)5. Liwliwa Beach (San Felipe, Zambales)6. Katungkulan Beach Resort (Ternate, Cavite)7. Beach Resorts in Isla Verde, Batangas8. Treasure Mountain (Tanay, Rizal)9. Hilltop View Deck (Norzagaray, Bulacan)10. Governor’s Rapids (Maddela, Quirino)Final Thoughts 1. Republ1c Wakepark (Calamba, Laguna) If you and your friends want to take on an X-Games style adventure without flying all the way to Boracay, wakeboarding at Nuvali is for you. This is perfect for those days when you just want to get out and try something new. There’s also a fairly robust selection of activities for all ages and interests. Wakeboard rental is free at the beginners’ area, but the rental for 8 hours (and that’s run all you want!) is PHP 1,500 per person. Republ1c Wakepark location: West Diversity Boulevard, Nuvali, Calamba, Laguna (via Mamplasan Southbound Exit, Sta. Rosa Exit/Eton Exit, or Silangan Exit) 2. Sabang Beach and Charlie’s Point (Baler, Aurora) Baler is one of the most popular surf spots in the country. Because it’s just five to seven hours away from Manila (via NLEX Balintawak and SCTEX La Paz Exit),…

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