by Venus Zoleta, on category "Car Insurance"
July 16, 2018
Filing a claim for car insurance can be inconvenient and stressful, especially when you’ve just figured in a road accident. Yet it has to be done. You need money for the auto repair and medical expenses, and so you must report a vehicle claim immediately.
Where should you go after documenting the incident and getting a police report or a traffic-accident investigation report? The next step is to report the loss or damage either directly with your car insurance provider or through your agent or broker.
Keep reading to learn the specifics of where you can claim car insurance in the Philippines.
If you prefer to handle everything in your claims processing—from filing a claim to getting an approval—then it makes sense to deal directly with the car insurance company. To file a vehicle claim, call, email, or visit your insurer’s claims services or customer service department. You’ll need to provide important details such as the nature and date of the incident, and your contact 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 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.
Some of the car insurance companies in the Philippines accept claims filed directly by their clients. Here are their contact details:
|Car Insurance Company||Phone Numbers||Email Address||Office Address|
|AFPGEN||911-9888 / 0998-9552374||N/A||Bonny Serrano Rd. cor. EDSA, Camp Aguinaldo, Quezon City (Check other branches here.)|
|FPG Insurance||859-1200 / firstname.lastname@example.org|| 6/F Zuellig Bldg., Makati Ave. cor.
Paseo de Roxas, Makati City
|MAPFRE INSULARemail@example.com (Or fill out the Report a Claim Form)||MAPFRE INSULAR Corporate Center, Acacia Ave., Madrigal Business Park, Ayala Alabang, Muntinlupa City (Check other branches here.)|
|Oriental Assurance||241-4954 / 241-5053 / 241-5083||N/A||2/F OAC Bldg., 27 San Miguel Ave., Ortigas Center, Pasig City (Check other branches here.)|
|Pioneer Insurance||812-7777||N/A||Pioneer House, Makati
108, Paseo de Roxas, Legaspi Village, Makati City (Check other branches here.)
|QBE Seaboardfirstname.lastname@example.org||16/F Equitable Bank Tower Bldg., 8751 Paseo de Roxas, Makati City|
|SGI Philippinesemail@example.com|| 15/F Citibank Towers,
8741 Paseo de Roxas,
|UCPB Gen||811-1788 local 6442 to 45 or 6413 / 6414 / 6418 / firstname.lastname@example.org||22/F One Corporate Center, Doña Julia Vargas Ave. cor. Meralco Ave., Ortigas Center, Pasig City|
Filing a claim directly with your car insurance provider is great if you have plenty of time to talk to different people for follow-ups on your claim status. But what if you don’t?
If you’re too busy to do everything by yourself, you can approach your agent or broker who assisted you in buying car insurance. The car insurance agent or broker can help you with filing a claim. That’s part of the bank’s, dealership’s, or online broker’s after-sales service, so take advantage of it.
All you have to do is submit your complete claim requirements to your agent or broker. Your documents will then be submitted to the car insurance company on your behalf. The agent or broker will also guide you through the claims process.
For example, if you compared quotes and purchased car insurance through MoneyMax.ph, its dedicated claims services team will assist with your claims and roadside assistance needs. Just call 750-2703.
Some car insurance firms such as Prudential Guarantee and UCPB Gen accept claims filed through their authorized auto repair shops. Just bring your damaged 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.
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.
Whether you file a vehicle claim with your car insurance provider or through your agent or broker, make sure to submit complete documents and follow the steps to filing a vehicle claim properly. This way, the entire process will be quicker and easier.
Should you experience a claim issue and your insurance provider doesn’t address it, you may contact the Insurance Commission to report your concern.