Updated List of Car Insurance Companies in the Philippines 2023

If you're in the market for a new car insurance policy, you might be wondering which car insurance companies in the Philippines can give you the car insurance policy with the right coverage for your vehicle. 

Each company has its pros and cons, so researching is important before deciding which suits you. In this article, we'll provide an overview of some of the top car insurance companies in the Philippines that are authorized by the Insurance Commission. 

We'll also discuss what to look for when choosing a policy and how to know if an insurance company is legitimate, so you can make an informed decision about which provider is right for you.

List of Car Insurance Companies in the Philippines 2023

Looking for a car insurance provider? The best car insurance company in the Philippines for you might be on this list (updated as of 2023).

Alpha Insurance and Surety Company, Inc.

Established in 1957, Alpha Insurance dedicated its efforts to leading and sustaining excellence in providing comprehensive non-life insurance services. One of its achievements is a Global Brand Award for being the Most Outstanding Insurance & Surety Company back in 2014.

Alpha Motor Car Insurance Features:

• Offers insurance for private vehicles (all sedans), commercial vehicles, (including vans, pickups, and school services), and land transportation operators
• Coverage: CTPL, loss and/or damage, third-party bodily injury, third-party property damage, and unnamed personal accident 
• 24/7 auto assistance program thru EA Philippines

Bethel General Insurance and Surety Corporation

Bethel General Insurance and Surety Corporation^[1] or Bethel Gen is a local non-life insurance specialist established in 1961. The former BF General Insurance Company prides itself on its underwriting and claims management practices.

Bethel Gen Motor Car Insurance Features:

• Affordable and flexible insurance packages
• Coverage: CTPL, no fault indemnity, loss or damage cover, excess liability, and unnamed passenger (including driver) personal accident
• Supported by reputable global reinsurers

BPI MS Insurance

BPI MS was born from the joint efforts of the Bank of the Philippine Islands (BPI) and Mitsui Sumitomo Insurance Company, a trusted insurance company in Japan with 64 branches nationwide. BPI owns 51%, while Mitsui Sumitomo Insurance owns the remaining half. 

Aside from motor insurance, BPI MS also offers fire insurance, travel care insurance, personal accident insurance, and more. 

BPI MS Motor Insurance Features:

• Coverage: comprehensive motor insurance and compulsory third-party liability
• Complete and affordable auto protection all year round
• Hassle-free payments through BPI Ms business partners or BPI MS and BPI branches

Charter Ping An Insurance Corporation

Established in 1960, Charter Ping-An Insurance Corporation^[2] provides non-life insurance (including comprehensive car insurance) and security products for homes and condos.

It has since been acquired and operated by AXA Philippines, and it's affiliated with the Metrobank Group. Currently, Charter Ping-An has 22 branches nationwide.

AXA Car Insurance Features:

• Coverage: own damage, bodily injury, unnamed passenger personal accident, theft, property damage, and Acts of Nature (optional)
• Free and easy access to 24/7 emergency services via Rescue Line, including roadside, police, and fire assistance, as well as ambulance services
• VIP services (including 24/7 roadside assistance and LTO registration assistance)  for AXA Motor Club members 
• Make a claim easily through the Emma by AXA PH mobile app

Cibeles Insurance Corporation

Since 1965, Cibeles Insurance Corporation’s^[3] more than five decades' worth of experience providing prompt and efficient claims services has gained partnerships with highly rated reinsurers based in Switzerland, Germany, China, Japan, South Korea, and India.

Cibeles Motor Car Insurance Features:

• Coverage: comprehensive (own damage and theft), CTPL, voluntary third-party liability (bodily injury and property damage), and more
• Flexible and responsive claims management
• Accreditation with all major Philippine banks

Cocogen Insurance, Inc.

Cocogen Insurance (formerly UCPB General Insurance Company) has come a long way since it was established in 1963. It has become one of the country’s major players among auto insurance companies, with a number of awards recognizing its insurance solutions.

Cocogen Auto Excel Plus Features:

• Coverage: loss or damage, CTPL, voluntary third-party liability, unnamed driver and passenger personal accident, medical expense reimbursement, and Acts of God (add-on)
• Value-added services:
  • Trip Sagip 24/7 emergency roadside assistance
  • Gawa Agad program allows accredited shops to directly repair insured cars

Commonwealth Insurance Company

Don Andres Soriano, the founder of the San Miguel Brewery, established the Commonwealth Insurance Company (CIC)^[4] in 1935. With a such long history, the CIC is considered one of the most experienced insurance providers in the Philippines.

For over eight decades, it has acquired accreditation from all universal, commercial, development, savings, and rural banks in the country.

Commonwealth Motor Car Insurance Coverage:

• Acts of Nature
• Bodily injury
• Carnapping
• Own damage
• Personal accident
• Property damage
• Third-party liability

Corporate Guarantee and Insurance Company, Inc.

Corporate Guarantee (CG) was founded in 1997 in San Fernando, Pampanga, making it one of the newer auto insurance providers on this list of car insurance companies in the Philippines.

Its over 20 years of providing auto, fire, casualty, cargo, and bonds insurance isn’t something to underestimate. CG also boasts of being among the top non-life insurance companies in the Philippines.

Corporate Guarantee Motor Insurance Coverage:

• CTPL
• Own damage and theft
• Voluntary third-party liability
• Unnamed passenger personal accident
• Acts of Nature

Country Bankers Insurance Corporation

With its tagline “Kapag Sigurado, Hindi Kabado,” Country Bankers Insurance Corporation (CBIC) has been the leading non-life insurance provider for rural communities since 1960, eventually expanding towards larger locales.

Country Bankers Motor Vehicle Insurance Features:

• Coverage: comprehensive, CTPL, excess bodily injury, Acts of Nature (add-on), emergency towing, and more
• Distribution networks operating in most key cities and provincial capitals

Etiqa Philippines

Etiqa Life and General Assurance Philippines, Inc., simply known as Etiqa, is a composite insurance company headquartered in Kuala Lumpur, Malaysia with operations in the Philippines, Cambodia, Indonesia, and Singapore.

Formerly AsianLife & General Assurance Corporation, Etiqa has been in the insurance industry for more than 40 years offering a broad range of life and non-life insurance products for individuals and companies.

Etiqa E-CPTL Features:

• Coverage: any possible liability for a third party including bodily injury and/or death
• Offers coverage for private vehicles (sedan, sports utility vehicle, pick-up, van) and commercial vehicles (truck, bus, for hire, yellow plates, rainbow plates)

Fortune General Insurance Corporation

Fortune General Insurance, also known as FGen Insurance, was established on June 13, 1955 as the Mutual Security Insurance Corporation. Upon its acquisition by the ALC Group of Companies, it rebranded into its modern incarnation, providing insurance for cars, travel, property, and marine cargo.

FGen Insurance Motor Car Insurance Coverage:

• CTPL
• Comprehensive: own damage/theft, excess third-party liability, auto passenger personal accident, and Acts of Nature

FPG Insurance Co., Inc.

Founded in 1958 by the Zuellig Group of Companies, FPG Insurance has staked its hold as one of the top insurance companies in the Philippines. It specializes in insurance and risk management solutions tailored specifically to the individual customer, with its FPG car insurance being a prime example.

FPG Motor Insurance Features:

• MyAuto Mate (comes with free roadside assistance): own damage, theft, Acts of Nature, auto personal accident, SRCC (strikes, riots, and civil commotion), and more
• MyCTPL Mate: one-year and three-year coverage options
• Easily file a claim online through the FPG Insurance Philippines website

Intrastrata Assurance Corporation

Intrastrata Assurance counts itself as one of the oldest and leading non-life insurance companies in the country, having been established in 1959 as the Overseas Insurance Company. It changed its name in 1987 under the leadership of prominent businessman Antolin M. Oreta Jr.

Intrastrata Assurance Motorcar Features:

• Coverage for private cars, commercial vehicles, motorcycles, and public utility vehicles (PUVs)
• Offers CTPL, CPLL (Compulsory Passenger Legal Liability Insurance) for PUVs, and voluntary coverage
• Excellent track record of trustworthiness and efficiency

Malayan Insurance Company, Inc.

Enrique T. Yuchengco started the Malayan Insurance Company in 1930. For over 90 years, it built a reputation of trust and quality through excellent insurance protection and a hassle-free claims process.

By launching its own e-commerce website in 2013, Malayan made it easier for car owners to insure their vehicles, living up to its commitment to making insurance accessible to all.

One of the top non-life insurance companies in the Philippines, Malayan Insurance has consistently topped the Insurance Commission's rankings for gross premiums written since 1970.

Malayan Insurance AutoMaster Features:

• Offers insurance for vehicles up to eight years old
• Coverage: loss and own damage, third-party liability, Acts of Nature, RSCC, loss of use, car accessories protection, and more
• Unlimited and 24/7 access to telemedicine (via Medimate) for all car insurance principal policyholders
• Over 160 accredited auto repair shops in the Philippines
• One of the pioneers of online transactions in the insurance industry

Mercantile Insurance Company, Inc.

Mercantile Insurance Co., Inc. came to the insurance scene in 1962, eventually expanding its branches to Cebu, Davao, Cagayan De Oro, and Dagupan. It strives to get more people insured with Mercantile car insurance as it partners with established brands in the Philippines.

In a span of six years, Mercantile Insurance had posted growth in net premiums from ₱400 million in 2014 to ₱2 billion in 2020—making it one of the country's most promising non-life insurance providers.

Mercantile Car Insurance Key Features:

• Coverage for cars, motorcycles, scooters, mobiles, trailers, and more
• Comprehensive coverage: own damage, theft, excess bodily injury, Acts of Nature, etc.
• Value-added services: auto assistance; teleconsultation; roadside, ambulance, fire, and police assistance access via mobile app during emergencies 

Milestone Guaranty and Assurance Corp.

Milestone Guaranty and Assurance Corp. started operations in 1962 as the then Eastern Assurance & Surety Corporation, existing at a time when only a few auto insurance companies in the Philippines were operating. Today, under its current form, it remains committed to providing clients with top-notch non-life insurance policies.

Milestone Motor Car Insurance Features:

• Coverage for private cars, motorcycles, and commercial vehicles
• Car insurance may include legal liability against accidents to a third party

OONA Insular Insurance Corporation

OONA Insular Insurance Corporation (formerly MAPFRE Insurance) is jointly owned by OONA Insurance Holdings Corporation and Insular Life Assurance Co.Ltd., one of the oldest life insurance companies in the Philippines. 

Establishing its foothold as one of the country's best insurance companies, OONA Insurance Philippines ranks among the top non-life insurance providers in the country in a wide range of criteria, including net premiums, earned premiums, and assets. Its lineup includes OONA car insurance and other products like fire insurance, personal accident, and micro insurance.

OONA Car Insurance Key Features:

• Coverage for private cars and commercial vehicles
• Customers can choose from a wide range of car insurance packages^[5] based on their preferred coverage
• Other services: roadside emergency assistance and security glass etching

Oriental Assurance Corporation

Oriental Assurance Corporation (OAC) was established in 1962 as a response to a devastating fire. Don Gonzalo H. Cotoco believed so much in insurance that he devoted his life to it. Today, Oriental Assurance has distinguished itself as a major player in the Philippine insurance market.

Oriental Assurance Car Insurance Features:

• Coverage for private cars, commercial vehicles, motorcycles, and PUVs
• Coverage: comprehensive, loss and damage, third-party property damage, and more
• Offers Motorcar Assist Program

Pacific Union Insurance Company

Since its founding in 1945, the Pacific Union Insurance Company has been widely recognized as a pioneer, having been granted Certificate of Authority No. 1 in 1945. The first bond it ever issued was for former President Jose P. Laurel Sr.

Pacific Union Car Insurance Features:

• Coverage: own damage, theft, Acts of Nature, and more
• Claims filing via email

Paramount Life & General Insurance Corporation

Paramount Life, which traces its roots to 1950, has a composite license from the Insurance Commission for life and non-life insurance in the Philippines. Known for quick claims settlement, Paramount has established a strong market presence in a short amount of time. Since then, it has become the top insurance provider for OFWs.

Paramount Motor Insurance Features:

• Coverage for private and commercial cars
• Motor insurance coverage: loss and/or damage, CTPL, property damage, no-fault indemnity, and more
• CTPL Plus: a specialized CTPL product that allows flexibility and full customization in terms of the amount of coverage (20%, 40%, or 100% of vehicle's fair market value)

Perla Compania de Seguros, Inc.

With over 50 years of service as an insurance provider, Perla Compania de Seguros, Inc. (simply called Perla Insurance) was built to provide faster claims with 18 offices in major cities nationwide. It's also the preferred provider of most banks and financing companies.

Perla Motor Car Insurance Features:

• Coverage for private and commercial vehicles
• Coverage: CTPL, loss and damage, Acts of Nature, third-party property damage, excess liability for bodily injury/death, and auto personal accident
• TPL insurance can be availed of online

Philippine British Assurance Company, Inc.

Established in the 1960s, the Philippine British Assurance Company (PBAC) is one of the earliest insurance companies to provide non-life insurance policies in the Philippines. It since has made a name for itself for its affordable rates and fast claims.

PBAC Car Insurance Features:

• Coverage: comprehensive, CTPL, voluntary third-party liability (for property damage and bodily injury), personal accident for driver and passengers
• Roadside assistance that includes rescue of vehicle, mechanic's service, and hospital admission arrangement

Pioneer Insurance and Surety Corporation

Pioneer Insurance and Surety Corporation^[6] was established in 1954, specializing in non-life insurance policies, including Pioneer car insurance, as well as property, marine, and aviation insurance. Since then, it has expanded its business model, forming the Pioneer Group.

Pioneer can also be considered one of the top insurance companies with several Best Insurer awards in the Philippines and in Asia.

Pioneer Motor Insurance Features:

• Coverage for all types of private vehicles (including TNVS) and motorcycles
• Offers CTPL coverage
• Comprehensive coverage: own damage and theft, excess voluntary third-party liability for bodily injury/death, and voluntary third-party liability for property damage
• Add-ons under comprehensive coverage: Acts of Nature, accident insurance for passengers, loss of use (up to ₱7500), personal effects (up to ₱15,000), and pet injury (up to ₱15,000)

Prudential Guarantee and Assurance, Inc.

Veteran insurance broker Robert Coyiuto built Prudential Guarantee and Assurance, Inc. from the ground up in the early 1980s. With its gross premiums written reaching more than ₱9 billion, Prudential Guarantee has become one of the largest non-life insurance companies^[7] in the Philippines today.

Prudential Guarantee Auto Insurance Features:

• Comprehensive auto insurance for private vehicles
• With free services, including vehicle retrieval, towing, overnight accommodation, and more

SGI Philippines General Insurance Company, Inc.

SGI Philippines, formerly Monarch Insurance Company, Inc., came about in 1964. Since then, it has forged a reputation as one of the top insurance providers in the country with paid-up capital of over ₱1.33 billion.

SGI Philippines offers car insurance, as well as fire, engineering, and marine insurance.

SGI Philippines Motor Insurance Features:

• Comprehensive coverage: third-party loss or damage, CTPL, and personal accident rider
• Coverage for private cars, commercial vehicles, and motorcycles

Standard Insurance Company, Inc.

Since its creation in 1958, Standard Insurance has been the leading company providing general fire and standard car insurance in the country. Under its partnership with Zurich Insurance, this multi-awarded firm remains one of the top car insurance companies in the Philippines.

Standard Insurance Car Protect Features:

• Coverage: voluntary third-party liability/excess bodily injury, third-party property damage, own damage, theft, and more
• Value-added services: free roadside assistance

Sterling Insurance Company, Inc.

Established in 1960 as First Continental Assurance Company, Inc., it eventually changed its name to Sterling Insurance Company in 2011 after being taken over by the Professional Investment Group, complete with a new mission: "We go further to serve you better."

Sterling Motor Car Insurance Coverage:

• Comprehensive insurance - damage from fire, vandalism, falling objects, and more
• Third-party insurance
• Acts of Nature

Stronghold Insurance Company, Inc.

Stronghold Insurance Company, Inc., a wholly owned Filipino insurance company, had its humble beginnings when it was incorporated as the then Mabuhay Insurance & Guaranty Co., Inc. in 1960. It has been licensed to offer all types of policies such as Stronghold car insurance, as well as fire, marine, and suretyship insurance.

Stronghold Motor Car Insurance Features:

• Coverage for private cars, commercial vehicles, motor trade, and motorcycles
• Covers theft or physical damage sustained due to traffic accidents or malicious damage by a third party
• Can also be extended to include legal liability against accidents to third parties resulting in property damage or bodily injury/death

Western Guaranty Corporation

Established in 1964 with only eight employees and 10 agents, Western Guaranty Corporation has grown to become one of the largest non-life insurance providers in the Philippines. Its policies include fire, car, and casualty insurance, as well as microinsurance and bonds.

Western Guaranty Car Insurance Features:

• Coverage: own damage/theft, CTPL, voluntary third-party liability for bodily injury and property damage, and Acts of Nature
• Coverage for private cars, commercial vehicles, motorcycles, and LTO-registered vehicles 

How Do I Know If an Insurance Company is Legitimate in the Philippines?

Insurance is a tricky business. Figuring out if you're getting a good deal can be challenging. So how can you tell if an insurance company is legitimate in the Philippines? 

Check out these tips:

• First, check with the Insurance Commission,^[8] which regulates and records a list of all licensed insurance providers (as well as illegally operating companies), including car insurance companies in the Philippines. If the company you're looking at isn't on that list, then think twice before transacting with them.
• Check with the Philippine Insurers and Reinsurers Association.^[9] It has a code of conduct that all member companies must follow. If the company isn't a member or if the association has sanctioned it, avoid dealing with it. 
• Google it. Type in the company name plus the keyword “scam.” The search engine will show you related links about the company’s operations. You’ll also find a ton of reviews on social media and other online channels. 
• Ask around. Talk to people who have transacted with the company before to see if they had a good experience. If they did, then there's a good chance you will, too. 
• To save time finding the right provider, use the Moneymax car insurance platform to compare different car insurance companies in the Philippines.

Insurance is a complicated business, but with some research, you can ensure you're getting a good deal. Here's a table that summarizes coverage from various providers for your quick reference.

See also: Where Should You Get Your Car Insurance: Bank, Dealer, or Broker?

Top 10 Car Insurance Companies in the Philippines

The Insurance Commission regularly ranks insurance companies and makes such information available on its website. The best car insurance providers in the Philippines are based on criteria such as gross premiums written, net income, and paid-up capital, among others.

The list of the top 10 car insurance companies below is based on net worth and data from the Insurance Commission website (as of December 31, 2021).

1. Pioneer Insurance & Surety Corp.
2. BPI/MS Insurance Corp.
3. Petrogen Insurance Corp.
4. Standard Insurance Company, Inc.
5. Philippines First Insurance Company, Inc.
6. Malayan Insurance Company, Inc.
7. Prudential Guarantee & Assurance, Inc.
8. Alliedbankers Insurance Corp.
9. AIG Philippines Insurance Inc.
10. Stronghold Insurance Company, Inc.

What to Look For When Choosing a Car Insurance Provider

With some research, you can find an insurance policy that meets your needs and fits your budget. Here are four considerations to keep in mind if you're wondering how to choose a car insurance company in the Philippines. 

✔️ Coverage

Coverage is the amount of money the insurance company will pay if you have an accident or other incident covered by your policy. The higher the coverage, the higher the premium (monthly payments).

When choosing a policy, ensure you have enough coverage to protect yourself financially in case of an accident or other incident. Otherwise, your premiums could increase significantly.

✔️ Cost

No one wants to overpay for their coverage, but at the same time, you don't want to sacrifice important features or be underinsured. So how do you strike the right balance?

Remember that the cheapest policy might not always provide the best value. It's important to compare apples to apples when looking at policies, so make sure you're comparing similar coverage levels. Otherwise, you could pay more in the long run if you have a car accident or need to make a claim.

Keep in mind that the cost of your policy can change over time. As your car depreciates every year, so do your premiums. Review your policy regularly and make sure it still meets your needs and budget. 

✔️ Claim Process

In the event of an accident or other incident, the claims process will determine how quickly and easily you can get your claim paid out. Look for a few key things when assessing the claims process of a potential insurer.

• First, ensure that the insurer has a straightforward claims process. The last thing you want is to deal with a complex and difficult claims process when you’re already feeling stressed and overwhelmed. 
• Second, the insurer must have a good reputation for paying out claims quickly and efficiently. Nothing is more frustrating than having to wait for weeks or even months for your claim to be paid out. 
• Finally, choose an insurer that offers a fair and reasonable excess. An excess is the amount you’ll need to pay toward your claim. You must be comfortable with the amount your chosen insurer requires.

✔️ Customer Service

When you're involved in an accident or your car is damaged or stolen, you need to know that your insurer will be there to help you through the claims process. 

A good customer service team will be available 24/7 to answer your questions and help you resolve any problems. The insurance company should also have a team of experienced adjusters who can quickly and efficiently assess your claim and get you your payout. 

In addition, a good customer service team will work with you so that you’ll get the best possible rate on your premiums. You should feel assured that you're in good hands in the event of an accident or another unexpected incident.

Read more: Top Car Insurance in the Philippines: How and Where Can You Get It?

FAQs on Car Insurance Companies in the Philippines

1. What are the types of car insurance coverage in the Philippines?

There are three types of car insurance coverage in the Philippines: liability, comprehensive, and collision. 

• Liability insurance or (Third-Party Liability) covers damage to other people and property if you’re at fault in an accident. 
• Comprehensive insurance covers damage to your own vehicle, regardless of who is at fault. 
• Collision insurance covers damage to your vehicle in the event of a collision with another object, regardless of who is at fault. 

All three types of coverage are important, but the one you choose will depend on your individual needs and circumstances. 

If you live in a high-risk area or if you drive a lot, you may want to consider comprehensive or collision coverage. If you have a newer car, you may want to consider collision coverage. And if you have an older car, you may want to consider opting for liability coverage. 

No matter what type of coverage you choose, shop around and compare rates before buying a policy.

2. How do auto insurance companies earn?

According to the World Health Organization,^[10] 1.35 million people around the world die every year because of road crashes. If all these people file a claim for their accident—amounting to millions or even billions of cash—will auto insurance companies still earn?

The answer is yes. Despite millions of claims, companies still take home a profit ultimately contributing to industry growth.

The concepts that keep car insurance companies in the Philippines profitable work the same way today as they did 40 or 50 years ago. This is why the industry keeps growing and why new insurances sprout almost every decade. To understand this better, here are three basic principles to help you understand how insurance providers earn.

👉 Premiums

When you buy an insurance policy, you are required to pay a fee called a premium. Insurance providers put this premium on short- and long-term interest-earning investments to grow and secure their funds. Interest earnings represent a large source of the overall profits insurance companies generate.

👉 Underwriting Income

Underwriting income derives from the difference between how much money insurers collect for policies and how much money insurers release when a client files a claim.

For example, if a client pays ₱20,000 for a premium policy with a validity of one year but only submits ₱5,000 worth of claims, the insurance company automatically earns ₱15,000 from that client.

However, if the insurance provider pays more than ₱20,000 for the claim, then it suffers a loss.

👉 Re-Insurance

Insurance providers also buy policies for themselves. When insurers have too many claims, they purchase policies from other providers to keep them in business. This strategy uses the concept of shared risk and limits of liability.

3. Who regulates car insurance companies in the Philippines?

The Insurance Commission regulates the operation of life and non-life insurance companies in the Philippines. If you have any car insurance claim disputes, you can contact the Commission at the following hotlines:

• Email: publicassistance@insurance.gov.ph
• Manila trunkline: (632) 8523-8461 to 70 local 127/103
• Manila direct: (632) 8404-1758

4. Can I avail of the services of two auto insurance companies?

Yes, but it's not advisable. You can always consult two or more insurance providers but it's best to pay for just one policy. You'll be at risk of violating the policies of one or both providers, eventually ending up with no protection.

If you feel like your current auto insurance policy is lacking, you can always choose to avail of add-ons to your current coverage or change your car insurance provider. That's a lot cheaper than paying a second premium from a different insurance provider.

Final Thoughts

Road accidents are one of the leading causes of death in the Philippines. That’s why you need to get a car insurance policy more than ever. Not only does it protect you from the hefty repair fees, but it also frees you from financial woes in the event of an accident.

Auto insurance companies offer various prices and packages on policies. The challenge is to choose the one that will best fit your needs and budget. Don’t forget to take some time and compare the top car insurance companies in the Philippines. Get started by getting a free quote below.

Sources:

• ^[1] Bethel Car Insurance
• ^[2] Charter Ping-An Insurance Corporation (AXA Philippines website)
• ^[3] Cibeles Insurance Corporation
• ^[4] Commonwealth Insurance Company
• ^[5] OONA Car Insurance Philippines
• ^[6] Pioneer Car Insurance Philippines
• ^[7] Prudential Car Insurance Philippines
• ^[8] Insurance Commission - Regulated Entities
• ^[9] About PIRA, Inc.
• ^[10] Road traffic injuries (World Health Organization, 2022)