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

by Venus Zoleta, on category "Car Insurance"

October 8, 2018


Types of Car Insurance Claims | MoneyMax.ph

Got into an accident or an emergency involving your car?

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 claims processing. So before you contact your insurance provider or broker, familiarize yourself first with the different types of claims in the Philippines.

1. Own Damage Claim

Types of Car Insurance Claims - Own Damage Car Insurance Claim

What is an Own Damage Claim?

Own damage is the type of claim for when your vehicle (with a comprehensive car insurance policy) gets damaged or lost due to any of the following:

  • Damage to the car while driving: Collision with another car, the gutter, an electric post, or anything that damages your car while you’re driving under normal and legal conditions
  • Fire: Catching fire due to an external explosion or self-ignition
  • Carnapping or robbery: You can claim up to the stolen car’s fair market value (actual value minus depreciation value).
  • Vandalism and theft of parts: Loss of a part or several parts of your car due to criminal acts. You can claim the fair market value of the lost parts.

What you can and cannot make a claim for depends on your car insurance coverage. Most comprehensive car insurance policies don’t allow own damage claims for the following:

  • Car damage caused by flood or any natural disaster (Unless your policy has an Acts of God coverage)
  • Stolen car accessories (Some car insurance plans cover only OEM or factory-made parts.)
  • Damaged or stolen items inside the car

What are the Requirements for Own Damage Claim in the Philippines?

  • Filled out car insurance claim form
  • Police report or notarized affidavit of the incident (Or a traffic-accident investigation report only if the incident caused car damage and happened on a public road in Metro Manila, Metro Cebu, or Metro Davao)
  • Photos showing the damaged portion and plate number
  • Repair estimate
  • Photocopy of driver’s license
  • Photocopy of car registration documents (OR and CR)

If your car is stolen, these additional documents are required:

  • Complaint Sheet, Alarm Sheet, and Certificate of Non-Recovery from the Traffic Management Group (TMG)
  • Full set of vehicle keys
  • Original copy of the car insurance policy
  • Letter of Release from the bank (if applicable)
  • Original copy of Cancellation of Chattel Mortgage (if applicable)

2. CTPL Claim

Types of Car Insurance Claims - CTPL

What is a CTPL Claim?

When you make a claim under your Compulsory Third-Party Liability (CTPL) policy, you’re requesting your car insurance provider to pay for the medical expenses (up to PHP 100,000) of a third party who got injured or died following an accident caused by your car.

This doesn’t cover the driver and any passenger in your car during the incident, as well as damage or loss to the vehicle and other properties of the third party.

What are the Requirements for CTPL Claim in the Philippines?

  • Filled out car insurance claim form
  • Police report or notarized affidavit of the incident
  • Photos showing the damaged portion and plate number
  • Repair estimate
  • Photocopy of driver’s license
  • Photocopy of car registration documents (OR and CR)
  • Medical certificate
  • Official receipts of medicines and treatment
  • Police sketch plan
  • Notice of claim from the third-party claimant or insurance company

If the accident led to the death of the third party, these additional documents are required:

  • Death certificate
  • Photocopy of the valid ID of heirs or claimant (for third-party death claim)
  • Funeral bills and receipts

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3. Excess Bodily Injury Claim

Types of Car Insurance Claims - Bodily Injury Claim

What is an Excess Bodily Injury Claim?

If your car insurance policy has an excess bodily injury coverage, you can file a claim to pay for the third party’s medical expenses exceeding the PHP 100,000 limit under the CTPL coverage.

As with the CTPL, making a claim for excess bodily injury doesn’t cover the driver and any passengers of the car involved in the accident.

What are the Requirements for Excess Bodily Injury Claim in the Philippines?

  • Filled out car insurance claim form
  • Police report or notarized affidavit of the incident
  • Photos showing the damaged portion and plate number
  • Repair estimate
  • Photocopy of driver’s license
  • Photocopy of car registration documents (OR and CR)
  • Medical certificate
  • Official receipts of medicines and treatment
  • Police sketch plan
  • Notice of claim from the third-party claimant or insurance company

4. Third-Party Property Damage Claim

Types of Car Insurance Claims - Property Damage Claim

What is a Third-Party Property Damage Claim?

You can make this type of car insurance claim when you damaged someone else’s car while driving your own normally and legally, as long as you have a comprehensive insurance policy. It also includes damage to properties such as fences, electric posts, buildings, and other structures your car may hit during an accident.

What are the Requirements for Third-Party Property Damage Claim in the Philippines?

  • Filled out car insurance claim form
  • Police report or notarized affidavit of the incident
  • Photos showing the damaged portion and plate number
  • Repair estimate
  • Photocopy of driver’s license of the insured and third party
  • Photocopy of car registration documents (OR and CR) of the insured and third party
  • Police sketch plan
  • Notice of claim from the third-party claimant or insurance company
  • Certification of No Claim from the third-party insurance company
  • Proof of ownership of the third-party property (for non-vehicle damage)

5. Acts of God Claim

Types of Car Insurance Claims - Acts of God Claim

What is an Acts of God Claim?

If your car insurance policy has an Acts of God or Acts of Nature (AON) coverage, you can file a claim when your vehicle gets damaged due to a natural disaster such as a flood, typhoon, or earthquake.

However, some car insurance policies with AON add-on don’t cover flooding, so check your policy first before making a claim when your car is flooded.

What are the Requirements for Acts of God Claim in the Philippines?

  • Filled out car insurance claim form
  • Police report or notarized affidavit of the incident
  • Photos showing the damaged portion and plate number
  • Repair estimate
  • Photocopy of driver’s license
  • Photocopy of car registration documents (OR and CR)

6. RSMD Claim

What is an RSMD Claim?

RMSD stands for riot, strike, malicious damage, and civil disturbance. Having this car insurance add-on entitles you to a claim when your car gets damaged due to any of those events.

What are the Requirements for RSMD Claim in the Philippines?

  • Filled out car insurance claim form
  • Police report or notarized affidavit of the incident
  • Photos showing the damaged portion and plate number
  • Repair estimate
  • Photocopy of driver’s license
  • Photocopy of car registration documents (OR and CR)

7. Towing Reimbursement Claim

Types of Car Insurance Claims - Towing Reimbursement Claim
You can request for a towing reimbursement from your car insurance provider if your policy has a roadside assistance or towing coverage. You undergo claims processing after you’ve availed of a tow service and paid the towing fee out of your pocket.

What are the Requirements for Towing Reimbursement Claim in the Philippines?

  • Filled out car insurance claim form
  • Official receipt of the tow service
  • Police report or notarized affidavit of the incident
  • Photos showing the damaged portion and plate number
  • Repair estimate
  • Photocopy of driver’s license
  • Photocopy of car registration documents (OR and CR)

Final Thoughts

Now that you know the right type of car insurance claim to make, the next step is to contact your provider or broker for your claims request.

Got your car insurance policy through MoneyMax.ph? You’re in luck because claims processing is now made quick and hassle-free for its car insurance customers.

Just fill out the claims assistance form to submit your car insurance claims request. Someone from the MoneyMax.ph Claims Team will contact you within two business days to discuss the claims processing and answer your questions.

Read more: 8 Possible Reasons Your Car Insurance Claim Got Denied
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