How to File a Car Insurance Claim: Complete Guide for Policyholders

Add car insurance to the list of things you need but you hope you’ll never use. Alas, just like power generators, fire extinguishers, and basic first aid kits, you will eventually arrive at a situation where you’ll need help filing a car insurance claim. In 2018 alone, Metro Manila had at least 100,000 recorded accidents[1] that were either fatal or injured people. Dealing with situations like a car accident or car theft is stressful as it is. You do not need the added stress of handling all the added expenses related to your car. That’s why you bought an insurance policy in the first place. Filing a car insurance claim in the Philippines ensures that you will receive assistance and compensation for the loss or damage your car will sustain in an accident. As a responsible car owner, you should know the entire process of filing a claim and the steps you need to take in the aftermath of a road accident. After all, you paid good money to protect your car from unforeseen events. You don’t want to waste that investment now, do you? Note that this article is only meant to give you a general idea about the car insurance claim process. Car insurance providers in the Philippines have different requirements, procedures, and other things related to claims, so it’s still best to consult your insurer for specific concerns with your insurance claim. Table of ContentsWhat Should I Do After a Car Accident?1. Get a police report2. Take pictures of the aftermath3. Get all the important information4. Undergo a…

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Got a New Car? Here’s What You Should Before Hitting the Road

The existing public transportation system in the Philippines left us with no choice but to wake up early and fight through long MRT lines and bumper-to-bumper traffic. According to a 2016 survey, three in 10 Filipinos dread commuting[1] and buying a new car seems to be the most sensible solution to our traffic woes. After months of saving and obsessively researching for the best car in the market, you’ve finally bitten the bullet and got a car. Now what? It isn’t as easy as driving off with your ride. We listed down on what you should do after buying a new car to help you have a smooth start. Table of ContentsTo-do Lists After Buying a New Car1. Register Your Vehicle2. Get Car Insurance3. Photocopy Your Documents4. Read the Owner’s Manual5. Test Your Car’s Features6. Take Care of Maintenance7. Keep Track of Oil Change and Maintenance Schedule8. Make Necessary Repairs9. Add Personal Touches10. Understand Your Driving Capabilities11. Break It InFinal Thoughts To-do Lists After Buying a New Car 1. Register Your Vehicle You can’t drive your vehicle on open streets until it’s registered. If you buy a car from a dealer, they may provide you with at least a temporary registration for the car. Registrations for brand new cars are typically handled by the dealer. However, in the off chance that you must do the registration process on your own, you would need the following basic requirements: Original sales invoice Appropriate insurance certificate of cover TIN ID Original certificate of stock reported (CSR) Original PNP-HPG MV clearance certificate You must…

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10 Tips on How to Take Care of Your Car While in Quarantine

The government-imposed lockdown to control the Coronavirus spread has restricted the movement of not just people but also vehicles. While you’re stuck at home, your car is stuck as well in the garage for a long time. That’s the new normal for you and your ride. However, cars are designed to be driven regularly—not to sit idle for extended periods. The longer your vehicle stays put, the higher the risk of damage and expensive repair bills. Keep your vehicle in a good running condition during the COVID-19 quarantine period with these 10 car maintenance tips. Table of ContentsHow to Take Care of Your Car During Lockdown1. Clean and Sanitize Your Car2. Top Off the Fuel Tank3. Maintain Your Battery’s Good Condition4. Go for a Drive5. Change the Oil6. Keep the Tires Properly Inflated7. Remove the Wiper Blades8. Place Your Car in “Park” or “Reverse”9. Park in a Safe Spot10. Cover Your CarFinal Thoughts How to Take Care of Your Car During Lockdown 1. Clean and Sanitize Your Car Keep your car clean—even if you’re not using it as often—to prevent permanent damage to the paint job and to keep bad odor and molds from building up in the exterior. Car sanitation is also a must to get rid of viruses and other germs. Since most carwash shops are closed, you have no choice but to wash, wax, and disinfect your vehicle by yourself at least once a week. Do these DIY car maintenance tasks more often to protect your ride if it gets sprayed with harsh disinfectants at checkpoints. 2….

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The Benefits of Going Paperless with Moneymax

Table of ContentsWe’ve gone paperless! What does this mean?What does it mean for Moneymax clients?Sounds good. But what are the benefits? We’ve gone paperless!  We know that a lot of people still prefer the traditional way of doing business, which is to receive and sign documents on print. However, we believe that going paperless is beneficial not only for you, our dear client, but for the environment as well. What does this mean? This means that Moneymax will start issuing policy documents on soft copy. We have been doing this for quite a while but we wish to eliminate all kinds of printed insurance documents in the long run. What does it mean for Moneymax clients? Just a few things, really. All of our car insurance clients will automatically receive e-policies sent by their comparison advisors through email Remember that e-policies are as good as printed insurance documents. Your insurance provider will recognize your claim even if you don’t have a hard copy of your policy. Hard copies are by request only. Just inform your advisor if you really prefer to have one. Read more: AFPGEN Signs Motor Car Insurance Partnership with MoneyMax.ph Malayan, Philippine Leader in Non-Life Insurance, Partners With Online Broker Moneymax Prudential Guarantee Strengthens Auto Insurance Program Through Partnership with Moneymax Sounds good. But what are the benefits? A lot. It’s good not only for you but for the environment, too. Check out our infographic below. Do you have any questions? Confused on how paperless works? Feel free to send us a message on Facebook or email us…

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Car Sanitation Tips to Help Prevent Coronavirus Spread

Is your car free from the coronavirus? Much of what we hear about coronavirus prevention has to do with good personal hygiene, such as frequent and proper handwashing. But there’s hardly any info on how to disinfect car interior and keep it virus-free. During the outbreak, protect yourself and your passengers through good car sanitation practices—whether you drive for personal or ride-sharing purposes. More so if you own a fleet of vehicles for rental or any commercial use, especially if you live in an area with many confirmed cases of coronavirus disease 2019 (COVID-19). Table of ContentsHow Does Coronavirus Spread in a Car?DIY Car Sanitation Tips1. Use Soap and Water2. Don’t Use Harsh Chemicals3. Wash Surfaces Vigorously4. Clean Frequently Touched SurfacesProfessional Car Sanitation ServiceFinal Thoughts How Does Coronavirus Spread in a Car? Before we discuss how to disinfect car interior against viruses, it’s important to understand first how infections can possibly happen inside a car. Car interiors can contain and help spread viruses that cause infectious diseases like COVID-19. When an infected person coughs or exhales, small droplets from the nose or mouth land on surfaces in the car. Coronaviruses survive on surfaces for a few hours or up to several days, according to the World Health Organization (WHO)[1]. Other passengers can get infected when they touch surfaces with the virus, and then touch their eyes, nose, or mouth. The silver lining here, though, is that you can kill the virus on various surfaces in your car. DIY Car Sanitation Tips Car interior cleaning for coronavirus prevention is simpler than…

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10 Driving Tips to Make Late Night Driving Safer

Shout out to all the night owls out there who prefer a night drive over the stress of dealing with daytime traffic. Indeed, driving at night has its benefits, whether it’s a long drive to the province or just a regular late night road trip. But obviously, it also requires extra effort and precaution to safely reach your destination. Here’s a refresher on how to drive safely at night. Table of ContentsHow to Have a Safe Night Drive1. Check Your Lights Before Going2. Give Your Windshield a Good Clean3. Do a Quick Car Maintenance Check4. Prepare a Roadside Emergency Kit5. Don’t Drive When It’s Raining Hard6. Always Keep Your Distance7. Keep Distractions to a Minimum8. Do Your Best to Stay Awake9. Watch Out For Pedestrians10. Keep Your Eyes in Good HealthFinal Thoughts How to Have a Safe Night Drive 1. Check Your Lights Before Going Basically, your headlights will serve as your eyes on the road, so make sure they are all in good working condition before you venture to your night drive. If you need a replacement, do it immediately and spare no expense on high-grade night headlights. Don’t forget to check your brake lights and turn signals too as a way of helping out the drivers behind you. Read more: BLOWBAGETS: 10 Things to Check Before You Drive 2. Give Your Windshield a Good Clean Your windshield may appear clean during the day, but street lights during the night may reveal streaks and cause glare that will obstruct your view while driving. Make sure your windshield is spotless,…

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Holiday Gift Guide: Cool Car Gifts for Car Lovers

Christmas is not only for the children—it’s literally for everyone else, too. That means giving gifts to everyone close to you, not just your kid relatives. Shopping for others is easy enough, but what if they have specific interests like vehicles and driving? Luckily, car gifts aren’t that hard to find. Last week, we took care of the best gift ideas for your tech-savvy family and friends. This week, we’re going to find the best Christmas gifts for car lovers. From car accessories to fashion choices that suit their road lifestyle, here are some great car gifts you should check out. Table of ContentsCar Gifts Within PHP 1,000Sparco Neck PillowSpigen A201 Magnetic Car MountNeo-Tridagger ZMC Carbon SpecialCar Gifts Under PHP 2,000Goodyear Car Vacuum Cleaner GDY2110Ray-Ban Privé RevauxTurtle Wax Jet Black Black Box Finish KitCar Gifts Under PHP 5,000Mango Volume Sole Suede MoccasinsCoido Tire Inflator with LightBlade Rearview Mirror with Full HD DashcamFinal Thoughts Car Gifts Within PHP 1,000 Sparco Neck Pillow Price: PHP 699.75 Best Christmas gift for: Car owners who drive for long hours Driving in the Philippines is stressful. What better way to make it bearable than providing comfort to the car owners in your life? This Sparco neck pillow will definitely take the edge off dealing with traffic, thanks to its universal easy installation and its high-density foam. They’re probably in the market for comfortable car accessories anyway, so make it happen. Available at: Ace Hardware Spigen A201 Magnetic Car Mount Price: PHP 1,100 Best Christmas gift for: Grab drivers, commercial car owners Know anyone who drives…

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7 Types of Car Insurance Claims You Can File in the Philippines

Got into an accident or an emergency involving your car? In such circumstances, it’s either you pay for vehicle repair and medical expenses out of your pocket or make a car insurance claim. Both have their pros and cons depending on the situation. For example, if the accident involves only you and your car, and your total repair and/or medical expenses are lower than your deductibles, the more practical choice is to forego making a claim and pay for them on your own instead. However, filing a car insurance claim makes more sense if the accident caused damage to another car and/or injured or killed another person. In such a case, you can request your car insurance provider to pay for or reimburse the expenses according to the terms of your policy. When making a claim, the insurer will ask you to specify your claim type before proceeding with the car insurance claims processing. So before you contact your insurance provider or broker, familiarize yourself first with the different types of claims in the Philippines. Read more: The Consequences of Not Getting Car Insurance Table of ContentsDifferent Types of Car Insurance Claims1. Acts of Nature Claim2. Own Damage Claim3. CTPL Claim4. Excess Bodily Injury Claim5. Third-Party Property Damage Claim6. RSMD Claim7. Towing Reimbursement ClaimFinal ThoughtsGet a Free Car Insurance Quote! Different Types of Car Insurance Claims 1. Acts of Nature Claim What is an Acts of Nature or Acts of God Claim? If your car insurance policy has an Acts of God or Acts of Nature (AON) coverage, you can file…

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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. 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 Jumpstarting a dead battery Fuel delivery Tire change…

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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?Final 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 Corp.) for the government-mandated personal accident insurance…

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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. AutomobilicoFinal 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. After-sales service is another area that Honda Philippines excels in. It ranks fourth in…

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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. Before claiming your documents from the bank, check if your car registration is valid and updated. Make sure your registration has no pending penalties—otherwise, the bank won’t release the documents. 2. Claim Your Collateral Documents from the Bank Go to the branch where your car loan account…

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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. Related Articles: Top Causes of Road Accidents in the Philippines Killer Highways: 10 Most…

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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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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: 5 Craziest Car Accidents People Walked Away From Affidavit for Car Insurance Claim: Why You Need It and How to Get One Why Filipinos Ignore Insurance 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…

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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 RoadsGet a Free Car Insurance QuoteFinal 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…

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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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