by Venus Zoleta, on category "Car Insurance"
September 9, 2019
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.
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. The document should also have the notary public’s signature and seal.
The notarized affidavit is a requirement for most types of car insurance claims, like own damage (or self-accident), CTPL (Compulsory Third Party Liability), excess bodily injury, third-party property damage, Acts of God, RSMD (riot, strike, malicious damage, and civil disturbance), and towing reimbursement.
This legal document is where you tell your version of the story, which is simply a factual narration of the incident. For example, if you got your windshield caved in from an accident, you can get an affidavit of damage to your vehicle windshield.
It’s usually an alternative to the police report, which is also a requirement for car insurance claim. If you’ve already filed a police report after a car accident, this would suffice—no need to get and submit an affidavit for car insurance claim.
However, it’s easier and faster to get a notarized affidavit of damage to vehicle for insurance than a police report. Sometimes, police reports are released the day after filing, so you’ll have to come back to the police station for the police report. When you obtain an affidavit, it will take you only a few minutes to wait for the document.
This is especially helpful for hit and run cases in the Philippines. Instead of waiting for the police report, you can go get an affidavit of damage to vehicle due to hit and run. For lighter cases like a fender bender in a parking lot, you can choose to get an affidavit of damage to vehicle while parked if your insurance covers it.
The simplest way to secure a notarized affidavit is to go straight to a notary public, which already has a template for this kind of document (Alternatively, your car insurance company may provide you with a template for affidavit). You only have to provide the details of the incident.
Here are the specifics of getting a notarized affidavit for car insurance claim.
Be ready with the details that the notary public will ask of you when preparing your affidavit:
Find the nearest notary public in a law office, your city hall or municipal hall, or a commercial building. Typically, notary public offices are located near banks and government offices.
Present a valid ID that the notary public will use to verify your identity. They may ask you for a photocopy of your ID for documentation purposes, so prepare it before you go to the notary.
The notary public will input the details you provide and ask more questions if needed. Wait for the notary public to finish preparing your affidavit. Sign the document after.
The details of your transaction will then be recorded in the notary public’s logbook. You’ll also be requested to countersign the entry on the journal.
The amount you should pay depends on the notary. It typically ranges from PHP 150 to PHP 500. It’s best to ask about the notarial fee as soon as you step into the office.
After settling your payment, the notary public will sign and stamp the affidavit. After this, you can already submit the notarized document to your car insurance provider for claims processing..
If you prefer to make your own affidavit instead of relying on the notary public’s template, you’re free to do so. Here’s a sample you can refer to when drafting your affidavit of car accident insurance claim. Just fill in the blanks with the necessary details.
Print a copy of your filled out affidavit for car insurance claim, which you’ll bring to a law office to have it notarized. Don’t sign the document just yet—you will sign it only in the presence of a notary public.
Once you have your notarized affidavit for car insurance claim, submit it along with other requirements to your provider. Wait for the car insurance company to approve your claim. Only then can you pay for your participation fee and have your car repaired.