All Articles With Category : Car Insurance

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

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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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…

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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….

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#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,…

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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…

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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…

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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…

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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…

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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…

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

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. Table of ContentsThe 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 ThoughtsGet a Free Car Insurance Quote! 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…

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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…

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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. Further reading: How to Get a Driver’s License in the Philippines 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…

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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 ThoughtsGet a Free Car Insurance Quote! 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. Read more: 8 Car Insurance Add-ons You Need to Consider  Basic Types of Car Insurance Coverage Explained What Does Emergency Roadside Service Cover? The services that make up road assistance…

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3 Sustainable Traffic Solutions the Philippines Can Learn From Other Countries

Driving isn’t more fun in the Philippines for motorists who battle it out on EDSA every day. The Philippines is the worst country to be a driver, ranking at the bottom of the Waze’s latest Driver Satisfaction Index. Metro Manila, in particular, is sorely lacking in urban planning and development. The government’s band-aid traffic solutions, such as the number coding scheme and the driver-only vehicle ban on EDSA, aren’t of much help. Also, several driving laws need to be updated to address road safety issues in the Philippines. To its credit, the government has been fast-tracking major infrastructure projects like new roads under the Build Build Build program. We also need more sustainable solutions to the country’s traffic problems. Let’s take a look at some traffic solutions implemented by other countries. Table of Contents1. Scramble CrossingsHow Scramble Crossings WorkCase Study #1: Tokyo’s Shibuya CrossingCase Study #2: LA’s Hollywood and Highland Intersection2. Bike Boxes at Traffic LightsHow Bike Boxes WorkCase Study: Taipei’s Motorcycle Boxes3. Public Bicycle-Sharing ProgramsHow Bicycle-Sharing Programs WorkCase Study: Hangzhou’s Public Bike-Sharing ProgramFinal Thoughts 1. Scramble Crossings Countries that implement this road rule: Australia, Canada, England, Japan, the Netherlands, New Zealand, Singapore, Taiwan, U.S., etc. Crossing in busy intersections in the Philippines (except those with overpasses or underpasses) is like playing patintero with death. But in other countries, pedestrians can rest easy knowing that no car will hit them while crossing the street, thanks to scramble crossings. How Scramble Crossings Work A scramble crossing keeps pedestrians safe by temporarily shutting down all traffic to vehicles for 15 seconds, allowing…

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Experience Hassle-Free Claims Processing at MoneyMax.ph!

Got into a car accident? Get the most out of your insurance policy by filing a car insurance claim. Prepare necessary documents and head to our claims assistance form for a quick and hassle-free claims request. Below is a step-by-step guide in processing your claims request with MoneyMax.ph. *Please note that this service is ONLY for existing MoneyMax.ph car insurance customers. If you didn’t buy your policy from us but still push through with the assistance form, we will direct you to your provider. Table of ContentsPrepare RequirementsSecure a copy of the following documents:Head to Our Claims Assistance FormWait for Our Claims Team to Contact YouRead more about claims: Prepare Requirements Secure a copy of the following documents: 1. Unit Certificate of Registration (CR) 2. Annual Registration OR 3. Driver’s License of the driver in the accident 4. Incident Report (Police Report or Notarized Affidavit) 5. Pictures from the accident: – Damaged portion unit showing plate number – Side full view (damaged portion) – Focus on damaged portion 6. Repair estimate (preferably from an accredited shop of your provider) 7. Medical certificate and OR of treatment (for CTPL/Bodily Injury claim) 8. Towing OR (for Towing Reimbursement) Head to Our Claims Assistance Form Use our CLAIMS ASSISTANCE FORM when submitting your claims request. Just provide your complete name, email address, phone number, and answer other required fields so we can start processing your claims request. Wait for Our Claims Team to Contact You After submitting your claims request, expect a call from one of our team members within 1-2 business days….

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I Got Into a Car Accident: Where Should I File a Vehicle Claim?

Filing a claim for car insurance can be inconvenient and stressful, especially when you’ve just figured in a road accident. Yet it has to be done. You need money for the auto repair and medical expenses, and so you must report a vehicle claim immediately. Where should you go after documenting the incident and getting a police report or a traffic-accident investigation report? The next step is to report the loss or damage either directly with your car insurance provider or through your agent or broker. Keep reading to learn the specifics of where you can claim car insurance in the Philippines. Table of ContentsFiling a Claim Directly with the InsurerHow to Contact a Car Insurance Company When Filing a Vehicle ClaimFiling a Claim Through Your Car Insurance Agent or BrokerPAMI (for TNVS Operators)Final ThoughtsGet a Free Car Insurance Quote! Filing a Claim Directly with the Insurer If you prefer to handle everything in your claims processing—from filing a claim to getting an approval—then it makes sense to deal directly with the car insurance company. To file a vehicle claim, call, email, or visit your insurer’s claims services or customer service department. You’ll need to provide important details such as the nature and date of the incident, and your contact information. A claims service officer will guide you through the process, explaining the steps to filing a claim. You’ll also be provided with a list of requirements to submit, forms to accomplish, and referral to the insurance company’s accredited car repair shops. Of course, the officer can also assist you…

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4 Driving Laws in the Philippines That Seriously Need Updating

Driving laws in the Philippines are meant to ensure not just an orderly flow of traffic and discipline among motorists but also the public’s safety on the road. We have laws that require wearing seatbelts and motorcycle helmets as well as those that ban people from driving when drunk and while using their mobile phones. Road safety advocates and civil society groups have been pushing for stronger measures that bridge the policy gaps, citing that the traffic and driving laws in the Philippines lack teeth in certain aspects. It doesn’t take a legal expert to know that such laws seriously and urgently need updating. What needs beefing up in our present road safety laws? Table of Contents1. Land Transportation and Traffic CodeGiving LGUs the Authority to Set Their Own Speed LimitsStricter Penalties for Commonly Violated Traffic Rules2. Seat Belt LawUse of Child RestraintsRequiring Standard Safety Features in Vehicles3. Children’s Safety on Motorcycles Law4. Motorcycle Helmet LawFinal Thoughts 1. Land Transportation and Traffic Code If lawmakers had to choose one of the driving laws in the Philippines to update, this one should top the list. Republic Act 4136[1], also known as the Land Transportation and Traffic Code, sets the legal speed limits and penalties for traffic violations such as reckless driving, among other provisions. The law is archaic, to say the least, having been enacted in 1964. Five decades and six presidents have passed, but the law has never been amended. Specifically, Sections 36 (Speed Limits) and 56 (Penalties) need improvements. Giving LGUs the Authority to Set Their Own Speed Limits…

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New Ride-Hailing Apps You Can Use Besides Grab

Do you sorely miss Uber? That #sepanx feeling may soon be over because more ride-hailing choices have now become available for the frustrated commuter. The LTFRB recently accredited some TNVS companies to compete with Grab. The ride-hailing giant may still be the dominant player in the TNVS industry, but new ride-hailing companies promise lower fares and better services. Could we finally say goodbye to overpriced fares and choosy, rude drivers soon? A recent Boston Consulting Group study[1] found that one in five (19%) commuters in Manila use ride-hailing apps for their daily commutes, with the city being the most reliant on TNVS in Southeast Asia.  This means a huge demand needs to be filled—and Grab can’t do it alone. The new ride-hailing companies couldn’t come at a better time. Get to know the six new ride-sharing apps you can use as alternatives to Grab. Table of Contents1. Go Lag2. Hirna3. HYPE4. Micab5. OWTO6. U-HOPComparing Ride-Hailing ServicesFinal Thoughts 1. Go Lag Type: Ride-hailing service Base fare: PHP 40 – PHP 90 Rate per km: PHP 14 – PHP 18 Rate per minute: PHP 2 Surge rate: Up to 1.5x Cancellation fee: None Service areas: Metro Manila, Laguna, Bulacan, Cavite, and Rizal Start of operation: Not yet announced Go Lag[2] is a transport network company that’s similar to any regulated taxi or rent-a-car company in the Philippines. Its name is a shortened version of “Go Laguna,” the province where the ride-hailing service is based. In media interviews, Go Lag said it would charge lower rates[3] than other TNVS companies, especially during rush hour….

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Carpooling in the Philippines: Weighing the Pros and Cons

Thinking of cutting your car ownership costs? Carpooling is the way to go, especially now that your options for ride-hailing services in the Philippines have become limited. When you carpool, you either gather or join a group of people living in your area to take a single car to a common destination or to several stops along the route. A great transport option as it may be, carpooling is not for everyone. Before jumping on the carpool bandwagon, consider its pros and cons first. Table of Contents6 Carpooling BenefitsLower Car-Related CostsConvenient and Comfortable CommutesFewer Cars on the RoadLess Air PollutionSystematic and Organized CoordinationSocializing and Networking Opportunities4 Carpooling DisadvantagesResponsibility for Passenger SafetyNot FlexibleLonger and Unpredictable Travel TimeNo Privacy and Quiet TimeFinal Thoughts 6 Carpooling Benefits Lower Car-Related Costs Cutting down the costs of owning a car is the biggest motivation for Pinoys to try carpooling. Riders typically share the expenses and in some carpool groups, cars get rotated daily or weekly, so you don’t have to drive your car every day. You’ll save money on fuel, parking, maintenance (driving less often causes less wear and tear), and other expenses. Saving on car expenses from carpooling is one thing; earning profit from it is another. If you are the designated driver in a carpool and accept payment from riders for your services, you’ll need to get a franchise from the LTFRB[1]. Otherwise, you’ll run the risk of paying hefty penalties for colorum or illegal operation. Convenient and Comfortable Commutes Compared to riding public transport or driving your own car, carpooling provides more convenience and comfort. No hulas and buwis-buhay moments…

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