Add affordable car insurance to the list of things you need but hope you’ll never use. Alas, just like using power generators, fire extinguishers, and basic first aid kits, you'll eventually have to go through a car insurance claim process.
Dealing with situations like a car accident or car theft is tedious as it is. You don't 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'll receive assistance and compensation for the loss your car will sustain in an accident. As a responsible car owner, it helps to know the entire car insurance claim process and the steps you need to take after 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?
After a car accident, prioritize everyone's safety, document the incident, exchange information with the other parties, and notify your insurer as soon as reasonably possible. Do not immediately admit fault, agree to a settlement, or authorize major repairs before understanding your insurer's claims requirements.
Get medical attention for anyone who needs it and contact emergency services when necessary.
Don’t forget to request a police report since it’s a requirement when you file an insurance claim. The police will gather all important details, investigate the incident, and note the damage to vehicles and properties.
If there are no police in the area, write down and sketch the details of the accident on a sheet of paper then ask all parties involved to sign it.
Using your smartphone, take pictures of the accident with the actual vehicle position, a close-up view of the destroyed portion of your vehicle showing the plate number, and other vehicles involved in the collision. Also, check the dash cam videos from the cars involved for added evidence.
Get the following details needed for filing a car insurance claim from the other party. If the other party fled and you failed to identify the other vehicle, talk to the witnesses around the area for more details.
This step is important to secure a medical certificate, another insurance claim requirement. It will indicate the extent of the injury sustained and the required treatment or medication.
When filing a car insurance claim in the Philippines, your insurance provider will require you to present certain supporting documents.
Here are the basic car insurance claim requirements you need to secure.
Aside from the basic documents, you also need to prepare other car insurance claim requirements depending on the nature of your claim.
If your vehicle got destroyed due to a natural disaster and your car has an Acts of Nature coverage, you can make an Act of God car insurance claim.
Read more: When the Unexpected Happens, You Can File Any of These Types of Car Insurance Claims
Once you have all the needed information, documents, and evidence of the incident, you can proceed with filing a claim. Here's how to claim car insurance in the Philippines.
Car insurance providers in the Philippines have different requirements, procedures, and other things related to claims, so it’s best to consult your insurer for specific questions and concerns on your insurance claim.
If you prefer to handle everything yourself in your claims processing—from filing a claim to getting approval—then it makes sense to deal directly with your car insurance provider.
To file a vehicle claim, call, email, or visit your insurer’s claims services or customer service department as soon as possible. Report the damage or loss and provide the following 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 a referral to the insurance company’s accredited car repair shops.
Of course, the officer can also assist you with your concerns or questions about your vehicle claim. For example, the claims services staff can coordinate with the roadside assistance team for towing your car. You may also ask for a referral for legal consultation.
Know more about these car insurance providers in the Philippines:
Some car insurance companies in the Philippines accept claims filed directly by their clients. Here are their contact details:
Yes. If you purchased your policy through an insurance agent or broker, they may be able to help you submit the claim and coordinate with the insurer. The exact assistance available depends on your provider or broker.
Simply provide the complete claim requirements to your agent or broker who will then submit them to the car insurance company. The agent or broker will also guide you through the claims process.
For example, if you compared quotes and purchased car insurance through Moneymax, its dedicated claims services team will assist with your claims and roadside assistance needs. Submit all your claim-related documents to claims@moneymax.ph.
Read more: Experience Hassle-Free Claims Processing at Moneymax!
Some car insurance firms can accept claims filed through their authorized auto repair shops. Just bring your car to an accredited repair shop and submit the claim documents to an agent. The repair shop will then forward the documents to the car insurance provider for evaluation. Once the insurer issues an LOA, the repair shop will start the repairs.
However, not every repair shop is automatically authorized to handle your insurance claim. Confirm with your insurer whether the shop is accredited before leaving your vehicle for repairs.
When you join a TNVS company like Grab as an operator, the LTFRB requires getting insurance from PAMI (Passenger Accident Management and Insurance Agency, Inc.) in addition to your original car insurance policy. PAMI insurance provides passenger and personal accident coverage for public utility vehicles, including ride-hailing services.
If your TNVS car has PAMI insurance coverage, filing a vehicle claim can be done through the nearest PAMI office.[7]
Read more:
Not all claims end up getting approved. A claim may get rejected if the type of vehicle destruction isn't covered by the policy. Failure to follow the terms and conditions of your car insurance may also lead to a claim rejection.
Read carefully the terms and conditions of your car insurance policy so you know what you're entitled to and when you can make a claim. Also, make sure to pay all your premiums to avoid getting your insurance claim denied.
If the insurance provider rejects your car insurance claim despite meeting the requirements and providing enough evidence, you can file a dispute with the company and request a review.
If your insurer still denied your claim after they reviewed your dispute, you can seek help from the Insurance Commission,[8] which supervises insurance companies in the Philippines. This government agency assists in the settlement of any claim issue between an insurance provider and a policyholder.
After submitting all the requirements, the insurance provider will begin the inspection and evaluation of the destroyed car. The car insurance claim period can take weeks or months, depending on the gravity of the destruction. It’s best to follow up with your insurer from time to time.
Once your claim is approved, the car insurance company will issue a Letter of Authority (LOA), which means you can have your vehicle fixed by the insurer’s accredited dealership. The car repair shop will only begin the repair upon the release of the LOA.
In case of an accident involving a third party, you’ll need to secure a Certificate of No Claim from the third party’s insurance company prior to the processing of your car insurance claim. This document certifies that the third party has not made any claims from his own insurance, preventing them to file a double claim in the future.
If the third party doesn’t have comprehensive car insurance, they can still secure a Certificate of No Claim from their CPTL insurance provider. Note that most providers charge ₱50 to ₱100 to produce a Certificate of No Claim, while the more high-end providers don’t charge anything.
Now that you have a general idea of the car insurance claim process in the Philippines, you should feel more confident the next time you get into a fender bender. But if the entire process of how to claim car insurance in the Philippines still overwhelms you, we’re here to help!
Moneymax can take you through the entire process of filing a car insurance claim. We'll help you in every step of the process, from accomplishing your requirements to getting you your LOA. And the best part? Our services are free! Get started by clicking below.
Thinking of switching your car insurance to a different provider? Below is a list of top companies and their features. Compare your options and get a free car insurance quote from Moneymax!
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