All Articles With Category : Car Insurance

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

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…

Read More

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…

Read More

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…

Read More

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 Thoughts 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 responsible for the accident, expect…

Read More

LTO Student Permit Application Guide for First-Time Drivers

Driving a car for the first time? You need to have a license to drive legally in the Philippines. But before you can qualify for a driver’s license, you have to apply first for a student permit at the Land Transportation Office (LTO). Here’s a guide to help you with your student permit application. Table of ContentsLTO Online Student Permit Application in GCQWhat is an LTO Student Permit?What’s the Difference Between Student Permit and Driver’s License?Is the LTO Student Permit a Valid ID?LTO Student Permit RequirementsStudent License RequirementsStudent License FeeHow to Get an LTO Student Permit4 Tips for Student Permit Applicants and Holders1. Undergo Medical Exam at an LTO-Accredited Clinic2. Bring Enough Cash for the Medical Exam and Student License Fee3. Never Drive Alone4. Apply for a Driver’s License Before Your Student Permit ExpiresFinal Thoughts LTO Online Student Permit Application in GCQ Students may now apply for their LTO permit online via the LTO web portal. Below are the steps in doing so. Visit portal.lto.gov.ph and click enroll as an individual. This is the Land Transportation Management System (LTMS) public portal that you can access on desktop, mobile, and tablet. Create an LTO online appointment for student permit at your preferred LTO branch. Pay your fees online. Note that LTO fines, car registration and renewal, and motor vehicle inspection services can be paid here as well. What is an LTO Student Permit? A student permit, sometimes called student license, is an official document that authorizes the holder to drive a vehicle in the Philippines in the presence of someone with…

Read More

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…

Read More

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),…

Read More

Step-by-Step Guide to Car Insurance Renewal in the Philippines

Car insurance renewal is the best time to review your policy and make necessary changes to it, so you can save money on car insurance. Unlike when you bought your first policy, you now have a better idea of what you really need for insuring your vehicle. So take it as an opportunity to choose the most suitable car insurance policy for you. Table of ContentsWhen Does a Car Insurance Policy Renew?What to Do Before and During Car Insurance Renewal1. Review Your Policy2. Assess Your Car Insurance Coverage3. Decide on Your Deductible4. Review Your Car Insurance Provider5. Get and Compare Car Insurance Quotes6. Choose the Best Car Insurance Policy and Provider7. Provide or Update Your Information8. Pay for Your Car Insurance Renewal9. Read the Fine PrintFinal Thoughts When Does a Car Insurance Policy Renew? Most car insurance policies last for a year, which means yours will likely renew 12 months from when your policy started. For example, if your policy’s effectivity date is June 1, 2018, its car insurance renewal due date would fall on June 1, 2019. If you can’t remember your insurance plan’s effectivity date, look for it on a copy of your policy. You may also call your insurance provider or broker to ask when your policy is up for renewal. Anyway, the car insurance company will let you know in advance when your policy will expire to help your car insurance renew before it expires. What to Do Before and During Car Insurance Renewal Should I keep my existing policy or shop for a new one? Is…

Read More

Top 15 Fuel Efficient Cars in the Philippines

Looking to buy a car? Don’t just look at the selling prices. With the rising fuel prices, fuel economy has become all the more important factor in choosing a vehicle nowadays. The less fuel a car consumes and the farther distance it covers per liter, the better it is for a car owner’s wallet. It simply means less frequent trips to the gas station and the ability to save money on gas. Is the car you’re considering to buy among the fuel efficient cars in the Philippines? Here are the best-performing vehicles in terms of fuel economy, based on data from the Department of Energy. Table of Contents1. Ssangyong RodiusFuel Economy Rating: 33.12 km/L2. Mini CountrymanFuel Economy Rating: 30.64 km/L3. Kia PicantoFuel Economy Rating: 29.23 km/L4. Suzuki CelerioFuel Economy Rating: 29.14 km/L5. Suzuki DzireFuel Economy Rating: 28.40 km/L6. Hyundai AccentFuel Economy Rating: 27.80 km/L7. Toyota PriusFuel Economy Rating: 26.13 km/L8. Toyota ViosFuel Economy Rating: 25.88 km/L9. Peugeot 3008Fuel Economy Rating: 25.39 km/L10. Toyota WigoFuel Economy Rating: 25.19 km/L11. Suzuki Alto 800Fuel Economy Rating: 24.81 km/L12. Honda CR-VFuel Economy Rating: 23.96 km/L13. Honda CityFuel Economy Rating: 23.91 km/L14. BMW X1Fuel Economy Rating: 23.88 km/L15. Suzuki SwiftFuel Economy Rating: 23.27 km/LFinal Thoughts 1. Ssangyong Rodius Fuel Economy Rating: 33.12 km/L Vehicle type: Multi-purpose vehicle (MPV) Fuel type: Diesel Transmission: Automatic Vehicle price: PHP 1.69 million Ssangyong may not be as popular as Korean brands like Kia and Hyundai, but it’s actually the fourth largest car manufacturer in Korea. It also has one of the most fuel efficient cars in the Philippines—the nine-seater Rodius….

Read More

#AskJames: More Car Insurance Questions Answered

Three weeks ago, automotive journalist and TV host James Deakin joined Moneymax on a Facebook Live session to answer burning car insurance questions from their viewers. While they were able to answer most of the concerns, one hour simply isn’t enough to get through all the questions. And because we don’t like leaving questions unanswered, we compiled some of the best ones and answered them here. If your specific question didn’t make the list, feel free to drop us a message on our Facebook page. Let’s get the ball rolling! Table of ContentsHow long will it take to process my car insurance claim?What are the possible reasons for the delay or denial of my claim?Will my premium for next year increase if I made a claim this year?Is it possible to lower the price of my car insurance?Can I change my coverage whenever I want?Can my car insurance cover interior damage?How is Moneymax different from car insurance companies?Can I purchase insurance through Moneymax if I’m not in Metro Manila?#AskJames Unanswered Lightning RoundWhat is the basis for a total loss claim? Can you provide us a list of insurance companies partnered with Moneymax? Why do insurance companies avoid high-risk owners?Final Thoughts How long will it take to process my car insurance claim? The length of the entire claim process really depends on the specific incident. Ideally, the evaluation of a minor accident should take three to seven days. For more crucial incidents, expect the process to last for a few more weeks. We understand that it can be frustrating at times,…

Read More

BLOWBAGETS: 10 Things to Check Before You Drive

BLOWBAGETS stands for battery, lights, oil, water, brake, air, gas, engine, tire, and self. It’s a serious reminder about checking your car to prevent an accident or breakdown (We have the PNP-Highway Patrol Group to thank for this handy mnemonic). Whether you’re heading out on a summer road trip or just driving to work, make it a habit to inspect your car. It’s impossible to check every nook and cranny of your four-wheeled machine when you’re rushing to your destination. But minding your BLOWBAGETS before driving off will keep you and your passengers safe on the road. Don’t be a kamote driver by always checking your BLOWBAGETS. What does it really mean? Let’s break it down for you. Table of ContentsBatteryLightsOilWaterBrakeAirGasEngineTireSelfFinal Thoughts Battery Your car won’t start with a dead battery. If your battery dies in the middle of driving, you’ll get stuck on the side of the road. You know how dangerous that is. Before you get in your car, make sure your battery has a strong charge, clean terminals, and proper cable-to-terminal connection. Car batteries typically last for three to four years. Replace yours if it’s almost near the end of its service life. Lights Fully functioning auto lights are a safety must-have for nighttime driving. However, their bulbs burn out or get defective over time. This is why you have to inspect your car’s lights regularly. Test your headlights, turn signals, brake lights, reverse lights, and tail lights in the garage. The light beam should reflect on the wall. To confirm if the lights are working properly, ask…

Read More

Here’s Why You Should Visit the 2019 Manila International Auto Show

The Manila International Auto Show (MIAS) isn’t your typical auto show. Car enthusiasts all over the Philippines come together every year in this most anticipated and largest motoring event in the country. Now on its 15th year, the Manila International Auto Show 2019 carries “Experience Fun and Function” as its theme. Looking at its activity lineup, it definitely has the potential to excite and impress car lovers. Still thinking twice about going to this year’s auto show? We’re giving you seven reasons to drive to the event this year. Table of Contents1. Feast Your Eyes on the Latest Car Models2. See Epic Car Club Displays3. Marvel at Custom and Classic Cars4. Be Mind-Blown at Russ Swift’s Stunt Show5. Test Drive Your Dream Car6. Meet Fellow Car Junkies7. Enjoy Exclusive Deals and Promos from Moneymax!Final Thoughts 1. Feast Your Eyes on the Latest Car Models Just like the previous MIAS editions, automotive fans should look forward to the public debut of latest car models at the 2019 event. Be among the first people to view brand-new cars from the largest automakers in the country. Expect the hottest rides from Ford, Jeep, Subaru, Land Rover, Chrysler, Kia, Nissan, Mitsubishi, Chevrolet, Dodge, and more. Will fans get a first preview of Nissan Leaf, the Japanese brand’s top-selling electric car? Will the 2019 Ford Everest be launched at the MIAS? Is the iconic Chevy Camaro really making a comeback in the Philippines? Visit the MIAS to find out. 2. See Epic Car Club Displays Taking car exhibits up a notch at the Manila International…

Read More

Should You Get Car Insurance Through a Bank, Dealer, or Online Broker?

Looking for comprehensive car insurance coverage for the vehicle you’re buying? Need to renew your expiring policy? You’re probably wondering where to get auto insurance from. Going directly to top car insurance companies to shop around for the best policy isn’t practical. Neither is randomly picking an insurance firm. The sheer number of choices in the market is overwhelming—there are nearly 70 car insurance providers in the Philippines to choose from, based on the latest Insurance Commission data. Filipinos have three options to get car insurance: through banks, auto dealerships, and online brokerage companies that connect buyers with insurers. Unfortunately, many just settle for convenience, hastily buying comprehensive car insurance offered by banks or dealers that are financing their vehicle. Little do they know that they can find better deals for so much less through car insurance online brokers that partner with top providers. Be an informed consumer. Before you sign up for a policy, find out what you’ll gain and lose from buying insurance through a bank, casa, or online broker. In this article, we compare the three car insurance intermediaries in terms of convenience, the variety of options, costs, and customer service. Table of ContentsConvenienceBanks and Dealers: One-Stop Shop for Buying Comprehensive Car InsuranceOnline Brokers: Convenient Option for Comparison ShoppingCar Insurance CostsAuto Dealers: Priciest Car Insurance RatesBanks: Lower Premiums Than Dealers Yet Still ExpensiveIs the Free First-Year Car Insurance Worth It?Online Brokers: Cheapest Car Insurance RatesVariety of Car Insurance OptionsBanks and Dealers: Too Limited ChoicesOnline Brokers: Enabling Customers to Compare a Variety of InsurersCustomer Service/ReliabilityOnline Brokers: Helpful for Car…

Read More

Car Won’t Start? Troubleshooting Tips for Each Car Breakdown Symptom

Just when you’re in a hurry to drive to somewhere important, your car won’t start after you turn the key on the ignition. What could be worse than a car that refuses to start? What to do when that dreaded situation happens? Either you fix it yourself or ask for help. Take note of what occurs when you crank the engine, as it indicates what could be wrong under the hood. Here are some of the common problems that come with a car breakdown and troubleshooting tips to fix each issue. Table of Contents1. No Sound When You Turn the KeyWhat’s Causing It?What to Do When Your Car Won’t Start2. Clicking Noise from the EngineWhat’s Causing It?What to Do When Your Car Won’t Start3. Spinning Sound and Very Fast CrankingWhat’s Causing It?What to Do When Your Car Won’t Start4. Slow CrankingWhat’s Causing It?What to Do When Your Car Won’t Start5. Grinding Noise When CrankingWhat’s Causing It?What to Do When Your Car Won’t Start6. Car is Silent But Dashboard Lights Come OnWhat’s Causing It?What to Do When Your Car Won’t Start7. Normal Cranking But Car Won’t StartWhat’s Causing It?What to Do When Your Car Won’t Start8. Rattling or Knocking Sound from the EngineWhat’s Causing It?What to Do When Your Car Won’t StartFinal Thoughts 1. No Sound When You Turn the Key What’s Causing It? When you turn the ignition key and you hear nothing, it’s a tell-tale sign that your battery is dead or its connection is loose. What to Do When Your Car Won’t Start Check the cable connections at…

Read More

17 Car Essentials Every Woman Should Have

Female drivers often get unfairly judged for their skills behind the wheel. If you are a woman and drive a car, you’re probably tired of hearing stereotypical comments about lady drivers being slow, reckless, and accident-prone. But studies prove otherwise. Women are actually better drivers than men. They’re less pasaway and less likely to figure in an accident. So the next time you’re on the receiving end of another sexist remark, show who the girl boss is! Be a girl scout—before taking your car out for a drive, ensure you carry all car essentials to help you stay safe, comfortable, and prepared for any emergency on the road. Here’s a list of must-have items in every woman’s car (If you’re a guy who’s looking for a thoughtful gift idea for the most important woman in your life—your mom, wife, girlfriend, or sister—this list is also for you!). Table of ContentsCar Essentials for Road Safety and Survival1. Phone Charger2. Car Phone Mount/Holder and Bluetooth Headset3. Spare Tire4. Car Jack and Cross Wrench5. Jumper Cables6. Duct Tape7. Flashlight8. Reflective triangle9. Vehicle Documents10. Bottled Water11. Non-perishable Food Items12. First Aid Kit13. Baby/Toddler EssentialsCar Essentials for Travel Convenience and Comfort14. Spare Change15. Driving Shoes16. Period Protection Kit17. Oversized SunglassesFinal Thoughts Car Essentials for Road Safety and Survival 1. Phone Charger Forgot to power up your mobile phone last night? No problem—as long as you have a charger in your car. Even if your smartphone has a long-lasting battery, you’ll never know when it’ll run out of juice. You need enough battery life to make calls when your car…

Read More

LTO Vanity Plate: The Pros and Cons of Customizing Your Plate Number

Table of Contents The Pros of Getting a Vanity Plate1. Ideal for Personal or Business Branding2. Great for Expressing Your Individuality3. Unique and Sophisticated Look for a Car4. Eligible for Most Vehicle TypesThe Cons of Getting a Vanity Plate1. Regular LTO License Plate Still a Requirement2. Steep Price for a Custom Plate Number3. Long Wait for LTO Vanity Plate Release4. No Exemption from Number CodingFinal Thoughts   You’ve probably noticed pimped cars out and about before, right? You know the type: kitted out with nice wheels, a fantastic paint job, and a license plate that’s out of the ordinary. In the Philippines, license plates for cars are segregated into private, public, and official use. Vanity license plates, officially called Optional Motor Vehicle Special Plates (OMVSP), are also available to the general public. Is getting a personalized plate number a good or bad idea? There is a cost to any vehicle owner who would like to get a vanity plate. So, before you get yourself a special license plate, consider its pros and cons. The Pros of Getting a Vanity Plate 1. Ideal for Personal or Business Branding Vanity plates can be an investment if you use it to promote your brand. If you can get one that resembles your company name, then it will serve as a mobile advertisement for your business. 2. Great for Expressing Your Individuality Want to add a personal touch to your ride? Installing a vanity plate is an option for some vehicle customization enthusiasts. When you apply for a vanity plate, you’ll get to choose the letters…

Read More

LTO Violations Every Motorist Should Take Note Of

Everyone gets a ticket at least once in their life. Whether it’s for smoking at a non-smoking area or for throwing garbage at the wrong place. Indeed, we’ve all paid fines for something at one point or another. And if you’re a driver in the Philippines, there’s a huge chance you have received a ticket from the Land Transportation Office (LTO) for violating one (or two) of their rules and regulations. Don’t let this happen again. Be a responsible motorist and take note of the following LTO violations. Table of ContentsLTO Fines and Penalties for Traffic and Administrative ViolationsLTO Violations in Connection with LicensingLTO Violations in Connection with Number PlatesLTO Violations Relative to Equipment, Parts, Accessories, Devices and MarkingsFinal Thoughts LTO Fines and Penalties for Traffic and Administrative Violations LTO Violations in Connection with Licensing 1. Driving without license LTO Fine: PHP 1,500 Going for a quick drive but too lazy to get your driving license? Think twice before starting your vehicle. Driving without a license will cost you PHP 1,500 while driving with a suspended or revoked license has an LTO fine worth PHP 1,000. 2. No Seatbelt LTO Fine: PHP 1,000 for the first offense, PHP 2,000 for the second offense, and PHP 5,000 for the third offense 4. Reckless Driving LTO Fine: PHP 2,000 for the first offense, PHP 3,000 for the second offense, and PHP 10,000 for every subsequent offense. 5. Driving Under the Influence of Liquor LTO Fine: PHP 5,000 Apart from the penalty, motorists who violate the regulation will receive a two-month license suspension. For the second offense, another penalty…

Read More

Huwag Kang Pasaway: 10 Driving Tips for Kamote Drivers

Pasaway, kamote, balinghoy, kaskasero—Pinoys on online communities for motorists use different names to refer to the bad guys on the road. Hate them? Of course, who doesn’t? It’s frustrating to encounter drivers who forget road safety tips, lack driving etiquette or break traffic rules. How about you? How would you rate your own driving habits? Are you like what other motorists would consider a kamote driver? Each time you’re behind the wheel, you’re responsible for the safety not just of your own but also your passengers, pedestrians, and fellow drivers. As a driver, you definitely have room for improvement. These 10 driving tips for beginners (and even experienced drivers) should help you avoid being reckless on the road. Table of Contents1. Enroll in a Driving School2. Use Your Signal Lights Properly3. Always Check Your Blind Spots4. Don’t Drive When You’re Sleepy or Drunk5. Be More Courteous6. Keep Your Hands Off Your Phone7. Always Respect Road Lanes8. Stay Calm and Focused9. Drive Within the Speed Limit10. Observe the Number Coding SchemeFinal Thoughts 1. Enroll in a Driving School For driving noobs, it isn’t enough to just get a driver’s license. More than having the license to drive a vehicle, arming yourself with knowledge about how to do it properly matters a lot. Just one seemingly simple driving mistake can claim lives. Or if you and your passengers come out unscathed from an accident, you’ll bear the high costs of having your car fixed, unless it’s insured. So before you drive for the first time, get training from a reputable driving school. Attending…

Read More

Accredited Clinics and Physicians in Metro Manila for LTO License Registration and Renewal

The Land Transportation Office (LTO) has been implementing several changes to its driver’s license renewal and registration processes. Last year, the government agency launched an online appointment system called the LTO Online PASS for quicker car registration and license renewal transactions. This initiative elicited praises, criticisms, and confusion among vehicle owners in the Philippines. Starting January to February 2019, LTO offices all over the Philippines will accept only medical certificates issued by accredited physicians and submitted online. A medical certificate is one of the requirements for student permits, LTO license applications and renewals. Table of ContentsLTO Accredited Physicians and Clinics in Metro ManilaList of LTO Accredited Physicians and Clinics in Quezon City, Pasig, Taguig, Mandaluyong, and MarikinaList of LTO Accredited Physicians and Clinics in Manila, Muntinlupa, Malabon, Caloocan, Las Piñas, Parañaque, Pasay, and MakatiFinal Thoughts LTO Accredited Physicians and Clinics in Metro Manila How to know which clinics and doctors you can visit for your medical exam? If you’ll be applying for or renewing your LTO license in Metro Manila, check out this list of LTO accredited clinics and physicians (Updated as of January 18, 2019). List of LTO Accredited Physicians and Clinics in Quezon City, Pasig, Taguig, Mandaluyong, and Marikina   NCR – East Clinic Address Contact Number Physician Name  ANC Halili Medical Corp. Brgy. Kaligayahan, Novaliches, Quezon City (0915) 245-7637  Saises, Godofredo  ANC Halili Medical Corp. Ynares Sports Arena Cmpd., Shaw Blvd., Pasig City  631-3675  Untayao, Wye Avenion Medical Services Inc  Level 2 Alimall, Cubao, Quezon City  930-6174  Redada, Jenel Arugain Anm Medical Testing Center  151 San Roque 20th Mirasol, Cubao, Q.C Flores, Francis Eugene Aguilan…

Read More

What is Roadside Assistance in Car Insurance and Why Should I Get It?

When shopping around for car insurance, one of the terms you’d often encounter is roadside assistance. Wondering if you need to add it to your comprehensive insurance policy? Here are the essential facts you need to know when deciding if you should get roadside assistance coverage in the Philippines. Table of ContentsWhat is Roadside Assistance in Car Insurance?What Does Emergency Roadside Service Cover?Road Assistance Benefits  and ServicesVehicle AssistancePersonal AssistanceShould I Get Roadside Assistance Coverage?4 Reasons to Get Emergency Roadside Assistance1. Less Hassle While Driving2. The Danger of an Overheating Engine3. Avoiding Expensive Repair Bills4. Peace of Mind3 Things to Consider Before Getting Roadside Assistance Through a Car Insurance Provider1. Your Vehicle’s Age2. How Often You Drive3. Where You DriveHow to Get Roadside Assistance Coverage in the PhilippinesWhich Car Insurance Companies Provide Free Roadside Assistance?Final Thoughts What is Roadside Assistance in Car Insurance? Roadside assistance is a car insurance add-on that provides professional services to policyholders when their vehicle breaks down or figures in an accident. If your insurance policy has this coverage, you just have to call your provider’s 24/7 assistance hotline to get help during a roadside emergency. Depending on your needs, the car insurance company may send a tow truck to move your car to a repair shop or a technician to perform a minor repair like changing a flat tire or jumpstarting your battery. What Does Emergency Roadside Service Cover? The services that make up road assistance programs vary from one car insurance provider to another. But there are commonly available services for covered vehicles. Road Assistance Benefits  and…

Read More