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Car insurance

Your Guide to Filing a Car Insurance Claim in the Philippines

Learn how to properly prepare for a car insurance claim and what to do to ensure a smooth claims processing.

By MoneyMax.ph on February 7, 2018 | Reading time: 6 minutes

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You have been spending a lot of money to pay your car insurance premiums, so naturally, you will want to make a claim when your vehicle gets involved in an accident. Filing a car insurance claim in the Philippines ensures that you will receive assistance and compensation for the loss of your car or the damage it has sustained following an accident. This way, you can save money and have the peace of mind knowing that everything will be taken care of without causing you any financial burden.

Dealing with situations like a car accident or stolen car is stressful as it is. You do not need the added stress of handling problems related to your insurance claim. So before anything unfortunate happens, you need to be familiar with your car insurance coverage and how to file a claim properly.

Note that this article is meant to serve only to guide you through the process of making a car insurance claim. Car insurance providers in the Philippines have different requirements, procedures, and other things related to claims, so it is still best to contact your insurer for the specifics of your policy.

What to Do After the Incident

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When you figure in an accident, remember to stay calm and have the presence of mind to do the things that will help speed up the processing of your insurance claim.

Here are the steps you must take after you have met an accident or a carnapping incident:

1. Report it to the police.

The police will gather the needed details (such as the names and contact information of victims, drivers, and witnesses), investigate the incident, and note the damage to vehicle and property.

Do not forget to request a police report, as this is one of the requirements when you file a car insurance claim.

If there’s no police officer in the area, write down and sketch the details of the accident. Ask all the parties involved to sign the document and sketch.

2. Take pictures of the accident scene.

Using your smartphone camera, take as many photos as possible of the entire scene (with the actual vehicle position), a close-up view of the damaged portion of your vehicle showing the plate number, and other vehicle involved in the collision.

Another important evidence is the video captured by the dash cam of the cars involved in the incident. Make sure to keep this as a proof of what actually happened.

3. Get all the important information.

Exchange the following information with the other party:

  • Names, contact details, and address of the other party, the registered owner of the car, and witnesses
  • Model and plate number of the cars involved
  • Driver’s license number
  • Details of the car insurance policy of the other car

If the other party in the accident fled and you were unable to identify the other vehicle, talk to the witnesses to gather the information you need.

4. Undergo a medical examination.

This step is important to secure a medical certificate, one of the insurance claim requirements, that indicates the extent of the injury sustained and the required treatment or medication.

Below are some important terms to remember when filing a claim.

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How to File a Car Insurance Claim

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Once you have gathered all the needed information and documents after the incident, you can proceed with filing your claim.

The first thing you have to do is to contact your car insurance provider immediately and report the damage or loss. Provide the following information:

  • Nature of vehicle damage/loss
  • Date and time of the incident
  • Your contact details
  • Policyholder’s name
  • Policy number
  • Nature of claim (i.e., own damage, theft, third-party bodily injury, etc.)

The insurance company will walk you through the next steps regarding your insurance claim. It will also provide you with instructions on what to do with your car, a list of accredited car repair shops, and the documents you need to submit.

What are the Basic Requirements for Filing a Claim?

When making a car insurance claim, the insurance provider will require you to present certain documents. These will aid in evaluating and processing your claim.

  • Police report – It must contain a detailed account of how your car was damaged (in case of own damage) and who is at fault (when the accident is somebody else’s fault).
  • Accomplished insurance claim form – You can either fill out an online form if the insurer’s website has it or go to the company’s office to complete the form in person.
  • Photos of the damaged or lost parts of your vehicle, as well as the full view of the car showing the plate number
  • Car repair estimate
  • Photocopy of driver’s license with official receipt (OR)
  • Photocopy of certificate of vehicle registration with MVRR number
  • Additional requirements:

Are There Additional Documents Required for Claim Processing?

Aside from the basic documents, you will also need to prepare other documents depending on the situation.

For auto passenger personal accident claim:

  • Valid ID (photocopy)
  • Birth certificate (photocopy)
  • Marriage certificate (if applicable)
  • Certificate of employment
  • Original copy of medical certificate and medical receipts with prescription
  • Certified true copy of death certificate
  • Certified true copy of funeral bills or receipts

For third-party bodily injury claim:

  • Valid ID (if the third party is of legal age)
  • Birth certificate (if the third party is a minor)
  • Original copy of Medical Certificate and medical receipts with prescription
  • Income tax return (in case of loss of income)

For third-party death claim:

  • Valid ID of heirs or claimants (photocopy)
  • Birth certificate (photocopy)
  • Marriage certificate (if applicable)
  • Certified true copy of death certificate
  • Certified true copy of funeral bills or receipts
  • Income tax return (in case of loss of income)

For third-party property damage claim:

  • Letter of claim from a third-party insurer or claimant
  • Police sketch plan of the accident scene
  • Original copy of Certification of No Claim issued by the third-party insurer (for vehicles)
  • Proof of ownership (for non-vehicle properties)

For lost or stolen vehicle claim:

  • Full set of keys of the lost car
  • Car insurance policy (original copy)
  • Alarm Sheet and Complaint Sheet from the Traffic Management Group or TMG (original copies)
  • Certificate of Non-Recovery from TMG (original copy)
  • Original copy of Cancellation of Chattel Mortgage (if applicable)
  • Letter of release from financial institution (if applicable)

What to Expect After Filing a Car Insurance Claim

When you have submitted all the requirements, the insurance provider will begin to inspect and evaluate the damaged car.

How long the processing will take depends on the complexity of your claim. It can take as fast as 1 to 3 days. Some car insurance claims take weeks or months to process, so you may need to follow up with the insurer from time to time.

If your claim is approved, the 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.

Possible Reasons Your Claim May Get Rejected

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Not all auto insurance claims end up in an LOA release. A claim may get rejected if the type of vehicle damage is not covered by the policy. Failure to follow the terms and conditions of your car insurance may also lead to a claim rejection.

Thus, you need to know the common factors that might disqualify you from making a car insurance claim:

  • Damage caused by a natural disaster if your policy does not have an Acts of Nature coverage
  • Damage caused by war, riots, or public disturbance
  • Causing injury or property damage intentionally (e.g., road rage)
  • Accepting settlement with the person at fault in an accident
  • Unlawful activities such as driving without a license (or with an expired license), drunk driving, and violating traffic rules (e.g., beating the red light)
  • Unpaid premiums
  • Policy named under a person who is not driving the car
  • The vehicle has damaged parts (e.g., broken headlights, worn-out brake pads, etc.) prior to the accident

Read carefully the terms and conditions of your car insurance policy so that you know what you are entitled to and when you can make a claim. Make sure also to regularly pay all your premiums to avoid getting your insurance claim denied.

What to Do if Your Claim is Denied

If the car insurance provider rejects your car insurance claim and you disagree with the reasons given to you, you can file a dispute with the company and request for a review.

If you are still unhappy with the insurer’s decision after your claim dispute has been reviewed, you may seek help from the Insurance Commission that supervises insurance companies in the Philippines. This government agency assists in the settlement of any claim issue between an insurance provider and a policyholder. You may contact the Insurance Commission via email (publicassistance@insurance.gov.ph) or visit one of its offices in Manila, Cebu, or Davao.

Now that you know the things you need to do and prepare after an incident, you can be sure that your car insurance claim process will be a smooth experience. You will also need not worry much about your car repair expenses once you get compensated for the damage incurred from an accident.

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