Complete Guide to Car Insurance Claim Process Philippines

Securing a car insurance is the most basic advice you may hear from most car owners. Though it is not government mandated to own one in the Philippines, it is still an added protection to drivers to keep car insurance policy. Comprehensive car insurance protects drivers and passengers financially by providing coverage during car crash or mishap.

There are various types of car insurance policies that cover a variety of things. The benefits of car insurance primarily depend on the type of policy you acquire. Liability coverage will help you settle for covered losses connected to the other party, including medical expenses and vehicle damages, if you are at fault in a traffic accident.

You may want to add a car insurance in your bucket list now but hope you’ll never use. Unfortunately, very much like other essential emergency treatment packs, you'll ultimately may need to go through a car insurance claim process.

Managing with circumstances like a car mishap or car robbery is a tedious task. Making a claim on your car insurance from the your insurance provider means that you'll get support and payment for any damage your car sustains in an accident. Knowing the complete vehicle insurance claim procedure and what to do after a collision is helpful for responsible car owners.

After all, you paid a lot of money to protect your car from the unforeseen. Now you don't want to let that investment go to waste, right? 

What would it be a good idea for me to do after a car accident?

Keep your cool and maintain your composure during a road accident by doing the following. It will process your auto insurance claim more quickly.

1. Get a Police Report

Remember to demand a police report since it's a necessity when you process your insurance claims from car insurance companies. The police will assemble immeasurably significant subtleties, research the occurrence, and note the harm to vehicles and properties.

If there are no police nearby, get on paper and sketch the subtleties of the mishap on a piece of paper then, at that point, ask all parties involved to sign it.

2. Take Photos of the Circumstance

Utilizing your cell phone, take photos of the mishap with the real vehicle position, a nearby perspective on the obliterated part of the vehicles involved and your vehicle showing the plate number. Additionally, check the camera recordings from the vehicles, if there are any, for added proof.

3. Get All the Significant Data

Gather all details required by the car insurance provider to process your car insurance protection. On the condition that the other party escaped, and you neglected to distinguish the other vehicle, converse with the observers around the area for additional statements and information. You ask for the following details:

- Names, contact information, and addresses of the other party.

- Names, contact information, and addresses of the bystanders.

- Model and plate number of the vehicles in question

- Driver’s license number

- Data of the car insurance policy of the other party involved

4. Go through a Clinical Assessment

This step is essential to get a medical certificate, which is another requirement/prerequisite to claim your insurance coverage. It will show the degree of the bodily injury and the treatment or medicine needed to recuperate.

What are the Necessities to Guarantee Car Insurance Claim in the Philippines?

While managing the claims process, your insurance provider will expect you to submit and complete specific supporting reports.

Essential Prerequisites for Car Insurance Claim

Police Report - Should contain a point-by-point record of how your vehicle was obliterated (in the event of his own shortcoming) and who's to blame (when the mishap is another person's issue).

Insurance structure and coverage - Finish up a web-based form or go to its office to finish the form face to face. You may likewise contact your insurance provider through email and present the structure and different necessities on the web.

Photos of the damaged insured car - Gather photos of the harmed or lost pieces of your vehicle and the full perspective on the vehicle showing the plate number.

Extra Case Necessities

Beside the essential records, you likewise need to get ready of prerequisites and documentations relying upon the idea of your case.

For auto traveler individual mishap claims:

- Valid ID (copy)

- Birth Certificate (copy)

- Marriage Certification (if appropriate)

- Authentication of business

- Original and duplicate of the clinical authentication and clinical receipts with remedy

- Original or duplicate copy of death certificate

- Original or duplicate copy of burial service bills or receipts

For outsider real injury claims:

- Legitimate ID (on the off chance that the outsider is of lawful age)

- Birth Certificate (on the off chance that the outsider is a minor)

- Original or duplicate copy of Clinical Testament and clinical receipts with remedy

- Annual assessment form (in the event of loss of pay)

For third-part death claims:

- Legitimate ID of beneficiaries or petitioners (copy)

- Birth Certificate

- Marriage Certificate (if relevant)

- Original or duplicate copy of death declaration.

- Original or duplicate copy of burial service bills or receipts.

- Income tax return (if there should arise an occurrence of loss of pay)

For third-party property destruction claims:

- Letter of guarantee from a third-party insurers

-Police sketch plan of the mishap scene

- Original or duplicate copy of Certification of No Claim issued by the third-party insurer (for vehicles)

- Evidence of ownership (for non-vehicle properties)

For lost or taken vehicle claims:

- Complete set of keys of the lost vehicle

- Vehicle insurance contract (original copy)

- Alarm Sheet and Complaint Sheet from the official traffic management group in the area

- Certificate of Non-Recovery

- Original or duplicate copy of Cancellation of Chattel Mortgage (if applicable)

- Letter of release from the financial institution

For Nature/Acts of God Claim:

If your vehicle got obliterated because of a catastrophic event, you can make a Acts of God Claim.

- Completed insurance claim form

- Police report or legally approved oath of the event.

- Photographs showing the damaged part and plate number.

- Cost estimate of repair

- Copy of driver's license

- Copy of vehicle's documents (OR and CR)

When you have all the required data, records, and proof of the occurrence, you can continue with documenting a case. This is the way to guarantee car claims in the Philippines. Car insurance companies in the Philippines have various prerequisites, methodology, and different things connected with claims, so it's ideal to inform your adviser about the different kinds of feedback on your protection guarantee.

Take note that a cases administration official will direct you through the cycle, clearing up the means for documenting a claim. You'll likewise give a rundown of prerequisites to submit, structures to achieve, and a reference to the insurance agency's authorized auto repair shops.

Obviously, the official can likewise help you with your interests, or inquiries concerning your vehicle guarantee. For instance, the cases administrations staff can facilitate with the emergency aides’ group for towing your vehicle. You may likewise request a reference for lawful conference.

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