Filing a Car Insurance Claim: A Guide for Policyholders

Reading time: 6 minutes

February 7, 2018



Add car insurance to the list of things you need but you hope you’ll never use. Alas, just like power generators, fire extinguishers, and basic first aid kits, you will eventually arrive at a situation where you need to file a car insurance claim. In 2018 alone, Metro Manila had at least 100,000 recorded accidents that were either fatal or injured people.

Dealing with situations like a car accident or car theft is stressful as it is. You do not 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 will receive assistance and compensation for the loss or damage your car will sustain in an accident. As a responsible car owner, you should know the entire process of filing a claim and the steps you need to take in the aftermath of 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?

Note that this article is only meant to give you a general idea about the car insurance claim process. Car insurance providers in the Philippines have different requirements, procedures, and other things related to claims, so it’s still best to consult your insurer for specific concerns with your insurance claim.

What Should I Do After a Car Accident?

How to File a Car Insurance Claim in the Philippines - car accident

When you get into an accident, remember to stay calm and have the presence of mind to do the following to help speed up the processing of your insurance claim.

1. Report to the police immediately. The police will gather all important details, investigate the incident, and note the damages to the vehicles and properties. Don’t forget to request a police report since it’s a requirement when you file an insurance claim. If there are no police in the area, write down and sketch the details of the accident in a sheet of paper then ask all parties involved to sign it.

2. Take pictures of the aftermath. Use your smartphone to take pictures of the aftermath 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. Also, check the dash cam videos from the cars involved for added evidence.

3. Get all the important information. Try to get the following details needed for 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.

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

4. Undergo a medical examination. 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.

Read more: Got Into a Car Accident? Here’s What You Should Do

How Do I File a Car Insurance Claim?

Once you have all the needed information, documents, and evidence from the incident, you can proceed with filing your claim. Contact your car insurance provider immediately and report the damage or loss by providing 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.

Read more: I Got Into a Car Accident: Where Should I File a Vehicle Claim?

What are the Requirements for Filing a Claim?

How to File a Car Insurance Claim in the Philippines - car crash

When filing a car insurance claim, your insurance provider will require you to present certain documents. Here are the basic car insurance claim requirements you need to secure.

  • Police report – 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 – fill out an online form from the insurer’s website or head to their office to complete the form in person.
  • Pictures of the damaged or lost parts of your vehicle and 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

Aside from the basic documents, you also need to prepare other documents depending on the nature of your claim.

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)

Read more: 7 Types of Claims You Can File in the Philippines

What is a Certificate of No Claim?

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 him or her to file a double claim in the future.

If the third party doesn’t have a comprehensive car insurance, he or she can still secure a Certificate of No Claim to his or her CTPL insurance provider. Note that most providers charge PHP 50 – PHP 100 to produce a Certificate of No Claim, while the more high-end providers don’t charge anything.

How Long Can a Car Insurance Claim Take?

After submitting all the requirements, the insurance provider will begin the inspection and evaluation of the damaged car. The car insurance claim period can take as fast as three to seven days or as long as weeks or months, depending on the gravity of the damages. It’s best to follow up with your insurer from time to time.

Once 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.

Why Did They Reject My Claim?

How to File a Car Insurance Claim in the Philippines - calling the insurance commission

Not all claims end up getting approved. 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. Here are the common factors that may disqualify you from making a car insurance claim.

  • Unpaid car insurance premiums
  • Damage caused by a natural disaster if your policy does not have an Acts of Nature coverage
  • 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)
  • Policy named under a person who is not driving the car
  • The vehicle has damaged parts (e.g., broken headlights, worn-out brake pads) prior to the accident

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

Read more: What You Need to Know About Car Insurance Participation Fee

What Can I Do if My Claim Got 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 for a review.

If your insurer still denied your claim after they reviewed your dispute, you can 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.

  • Email: publicassistance@insurance.gov.ph
  • Manila Trunkline: (632) 523-84-61 to 70 local 127/103
  • Manila Direct: (632) 404-17-58
  • Cebu District Office Direct: (032) 254-08-61
  • Davao District Office Direct: (082) 327-36-51

File a Car Insurance Claim the Easy Way with Moneymax

Now that you have a general idea on how to file an insurance claim, you should feel more confident the next time you get into a fender bender. But if the entire process still overwhelms you, we’re here to help!

Moneymax can take you through the entire process for car insurance claims. We will 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.

Get car insurance today from Moneymax!