• The Filipino’s Guide to Filing a Car Insurance Claim

    Untoward incidents on the roads are always bound to happen and instead of brooding over damages to our vehicle, we must go out and claim that insurance we have been paying for so regularly. Filing to claim a car insurance policy follows a more or less standard procedure. This could vary across companies. There are common processes to different companies as well. The differences could be based on different scenarios as well.

    This guide to file your car insurance claim will inform you about the basic detailing and activities that one needs to undergo through the claiming process.

    Here are some of the basic requirements while filing a claim with your insurance company.

    1. A copy of the following documents:
      1. Certificate of Vehicle Registration
      2. Original receipt of Vehicle Registration
      3. Driver’s License
      4. Original receipt of Driver’s License
    2. Photographs: Ensure that you have pictures of the damaged or lost parts of the car along with the license plate and one of the whole car with the license plate.
    3. An affidavit of the police report: This report must contain details of how the car was actually damaged and also who is at fault.
    4. A copy of the official policy receipt of payment premium: Proof of up-to-date payment of your premium is a mandate document to claim your insurance.
    5. An Estimate of the Repairs: Provide an estimate of the repairs that will be required in case of the car being covered in damages.
    6. Insurance Claim Form: You must either submit a notarized affidavit or an insurance claim form issued by the insurer as asked by the insurance company. Usually, a legally written document of what exactly had happened is what is required and some companies have their own forms for these.

    In case of an accident, one must remember these procedures:

    1. Dial 117 and report the incident to the police as well as the insurer immediately.
    2. Retrieve and secure the damaged asset.
    3. Do not, at any given point in time, admit liability or sign anything that will admit liability. Do not promise or offer to pay anything to the third party without the consent of the insurance company. The company reserves the right to recover from the third party if they are legally at fault and proven wrong.

    Here are some scenarios or more specific requirements and procedures when you are filing for specific requirements:

    Scenario 1

    Passenger or Personal Injury or Passenger and Personal Accident or Death

    Most policies include accident covers. This could be passenger accident or personal accident covers. In this scenario, the insurance company reimburses you or/and the passenger for all medical expenses that were caused by injuries from the accident while riding or driving the vehicle that has been insured. In some occasions, it also covers death.

    Here are a list of requirements and a detailed procedure to filing a claim:


    1. Original medical certificate of the injured person/persons.
    2. All original prescriptions and medical receipts.
    3. A copy of the birth certificate and marriage certificate if applicable.
    4. A certified copy of the death certificate and funeral bills (In the form of of receipts).


    1. If the person insured is unable to process this due of death or very severe injuries, an authorised representative is allowed to fulfill the procedures on their behalf.
    2. The insurer should be made aware of the details of the accident as soon as possible.
    3. All the necessary documents must be submitted.
    4. The insurer, on behalf of the company, assigns a representative to take of the verifications and the reimbursement procedure.

    Scenario 2

    Theft of Car Parts or Own Damage

    This scenario is applicable to situations where you have caused damage to your vehicle through an accident. There are particular sub-scenarios for this scenario as well and is this is detailed in the policy that you are taking. Before you file for a claim, it is recommended that you check the policy coverage under the Own Damage Section. For example, any damage done to the car while it was parked are not eligible to be claimed from the insurance company.


    1. Keep pictures of the incident and keep it handy. Also have specific pictures of a license plate and the damaged parts of the car.
    2. Get in touch with your insurance provider immediately and inform them about the incident. Your insurance provider will give you further instructions on what you must do next. Request for an inspection right away.
    3. Keep all the required documents in place. If there is no theft involved during the accident, then there might be no need for a police report.
    4. After the inspection, get more clarity on the costs involved.
    5. Before getting your car fixed/repaired, wait for a Letter of Authority. In the Philippines, insurance companies have their own repair shops or tie ups with repair shops and these are the places insurers prefer that you get your car fixed from. While it is not a compulsion that you get your car fixed from there, the deductibles need to be paid before any of the repairs are done.

    Scenario 3

    Property Damage of Third Party

    If you have taken an insurance that covers any property damage of the third party, here are the requirements and procedure that needs to be followed to file your claim.

    Always remember that the Compulsory Third Party Liability or CTPL covers only Body injuries of the third party and not any property damage.


    1. Take clear photographs of the incident and report it to the insurance company and the police immediately.
    2. The costs are taken care of by the insurance company of the person who is at fault.
    3. The third party claimant must furnish all the below mentioned documentation requirements stating to the police that the insured has agreed to pay for all the damages.
    4. The authorized repair shop or casa will assess and give an estimate of the cost. It is highly recommended that you be present during this assessment to avoid contesting prices of the same any time in the near future.
    5. This estimate of the cost is then sent to the insured’s insurance company.
    6. The insurer then issues an LOA and pays for the necessary deductibles and gives a go ahead for the repairs to start.

    Note: For all non motors, a different reimbursement process is implemented and this depends on the insurance provider and the damaged property.


    For Motor

    1. A copy of the driver’s license with OR of the third party and certificate of registration of the car with MVVR of the third party.
    2. Photos of the damaged parts and a full view of the car with the license plate.
    3. Demand letter or the letter of claim from the third party.
    4. Estimated repair cost and police sketch plan.
    5. If applicable, an original copy of Certification of No Claim from the insurer of the third party.

    For Non Motors

    1. Photo of the damaged portion of the asset.
    2. Proof of ownership of the asset.
    3. Estimated repair cost of the asset.

    Scenario 4

    Body Injury or Death of the Third Party

    Third party is referred to anyone who is not driving or riding the insured vehicle and is not in any way related to the insured up to the second degree of consanguinity. The third party may also not be an employee of the insured.

    Here is the process that needs to be followed, if a third party succumbs to body injuries or death by the insured’s car.


    1. A police sketch plan as well as a demand letter or letter of claim by the third party.
    2. An original copy of the doctor’s diagnosis report.
    3. An original copy of the medical certificate of the third party.
    4. An original copy of prescriptions and medical receipts.
    5. Statement of accounts and bills of hospitalization.
    6. A copy of proof of identification of legal age.
    7. A copy of the birth certificate if the said third party is a minor.
    8. A copy of Income Tax Returns (ITR) if the third party wishes to claim loss of income.
    9. In the event of death, a certified copy of the death certificate.
    10. All original copies of funeral bills and other documents that may be required depending on the nature of the third party’s claim.


    1. If a third party is injured, medical assistance is a priority for them.
    2. It is essential that the police complete a sketch of the incident and secure the necessary documents and information from the nearest station at the earliest. This step is particularly important if the third party chooses to sue the insured.
    3. The third party will then send an insurance claim letter. This letter will specify their demands from the insured’s insurance company.
    4. Most insurance providers send their representatives to supervise the situation and ease the process of collecting and putting together all the necessary documents.
    5. The reimbursement involved will be taken forward and settled by your insurer.

    Scenario 5

    Stolen or Lost Vehicle

    Having experienced your car getting stolen is extremely upsetting. Fortunately, a lot of insurance companies provide coverage in case this happens.


    1. Full set of keys of the vehicle.
    2. An original copy of the certificate of non recovery.
    3. An original copy of the insurance policy.
    4. An original copy of the complaint sheet issued by the Traffic Management Group.
    5. An original copy of the Nationwide Formal Alarm Sheet issued by the Traffic Management Group.
    6. Letter of release from financial institution.
    7. An original copy of the cancellation of chattel mortgage.


    1. In case of stolen or lost vehicle, immediately call the police and the insurance company and report the incident.
    2. The owner of the vehicle or an authorized representative must then process the Nationwide Formal Alarm This can be done at Camp Crame. The owner has to submit the following during this stage of the procedure:

      1. The original CR/OR of the vehicle that is stolen.
      2. The deed of sale in case the transfer of ownership of the vehicle is not finished.
      3. If applicable, a copy of the certificate of encumbrance or a copy of CR/OR authenticated by the financing company of the vehicle.
      4. For Corporations, a Secretary Certificate which will authorize the person who will sign in deed of absolute sale and release of claim.
      5. A copy of the inspection report which shows the chassis numbers and a stencil of the engine of the lost or stolen vehicle.
      6. A police report in the jurisdiction of the area where the incident took place.
      7. A copy of the insurance policy.
      8. Keys of the vehicle.
      9. Proof of identity of the owners and the person who was driving the vehicle when the vehicle was stolen.
      10. Photos of the owner of the vehicle and the person who was in control of the vehicle when it was stolen.
    3. Once the verification is processed and approved, a nationwide formal alarm is issued to the person filing the complaint.
    4. After all the documents are submitted to the insurance company and all deductibles cleared, the insured receives a reimbursement or a replacement for the vehicle depending on the policies of the insurance provider and the prevailing circumstances.
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