I received a text message the other night from the secretary of a company that buys vehicles through me every year. One of their dealers – recipient of their car incentive plan, had a vehicular accident that night.
Fortunately, no one was hurt only damages to the vehicle was sustained in the accident. They did not have their insurance policy in the Isuzu Crosswind so they did not know what to do.
Most comprehensive vehicle insurances are enrolled with a 24-Hour Road Assistance Service (towing). But the emergency numbers are in your policies and the operators will ask you for your policy details – like name, address, policy number etc so it is important to have a copy of your comprehensive vehicle insurance policy in your automobile.
Anyway, there was a tow truck available at the accident scene so I advised the secretary to inform them to advance the payment for the tow truck. Ask for a Official Receipt of payment as they will be needing this for their reimbursement of the towing fee as stipulated in the policy.
Other documents needed for their insurance claim (OWN DAMAGE) are –
1) Copy of insurance policy
2) Police Report
3) Driver’s License with Official Receipt
3) Copy of automobile LTO OR CR
4) Pictures of the damage/s with the LTO plates of the vehicle visible
5) Stencil of the engine and chassis number
6) Repair Estimate – which in this case would be supplied by the authorized Isuzu Dealer
If there is a Third Party Claim on your vehicle insurance, the third party must submit all of the above documents plus –
1) Certificate of No Claim from their vehicle insurance company to rule out double claims
In a OWN DAMAGE claim the insurance policy owner will shoulder a certain amount (known as the Deductible or Client’s Participation). This amount is stipulated in the insurance policy and is usually either 1% or .5% of the amount insured. Expenses Over and above the Deductible amount is shouldered by the insurance company.
For THIRD PARTY claims on the comprehensive vehicle insurance policy, the policy owner does not pay any deductible amount.
Not all damages are covered by your regular comprehensive insurance these instances are –
1) when the driver of the vehicle is performing a illegal act that resulted in the accident –
ex. drunken driving, passing through a red light etc.
2) Force Majeure or Acts of God – accidents or damages due to acts of nature – typhoon,
hurricane, flood etc. (however, for a additional insurance premium damages caused by
Force Majeure / Acts of God maybe included in your insurance coverage)
3) Riots, War, public disturbances – if damage to your vehicle is a result of war, riots,
public disturbances and uprisings
Read more on the VEHICLE INSURANCE CLAIM here
Two of the Frequently Asked Questions [For Own Damage Claims] on this blog are
1) Can the damage done to my vehicle be claimed with my insurance?
Answer: Please check your insurance policy. Look for the Deductible amount.
If repair estimate of your car’s damage is beyond your deductible/participation amount
then you can file for an insurance claim.
Suggestion: If the participation ratio between you and your insurance is such that you have
the bigger part, it would be practical for you to have the damage repaired on your own.
Example: Your deductible is P6,000 – estimated repair for your unit is P7,000 which
means since your share is P6,000 and the insurance share is only P1,000
it would practical for you to just have your unit repaired on your own.
2) My vehicle is more than 3 years old, I had an accident with damage that require replacement of
damage parts. How much is my participation on the depreciation?
Answer: Please check your insurance policy. They have a table of depreciation showing your
percentage share. Compute the % against the cost of the replacement part, the result is
Suggestion: If your vehicle is more than 5 yrs old and you want to cut down on the costs of your
expense participation, you can avail of the insurance company’s accredited A1 Auto
3) Note: Your deductible/participation is based on per Own Damage claim.
Most of us who have a Comprehensive Auto Insurance policy seldom read through them. It is a common trait among us. Unfortunately, vehicular accidents do happen and when it does, we are most often flabbergasted and at a loss as to what to do.
What do we do when we figure in a car accident?
1) First of all, it is always handy to have a copy of your car insurance policy in your vehicle.
2) Regardless of who is at fault, one must always keep a cool head. Heated arguments lead nowhere.
3) Fortunately, everyone has a cellphone with picture-taking capabilities nowadays. Take a picture of the accident scene & damage – close-up, front, side and rear angle view (slightly afar from the scene).
4) Options: depending on the gravity of the accident
a) wait for a traffic enforcer to approach / arrive
b) call the appropriate hotline below to report the traffic accident
Manila Traffic Hotline
Front desk: (02)527-3087
Traffic Investigation: (02)527-3088
Las Piñas Traffic Hotline
Mandaluyong Traffic Hotline
Command Control Center / C3: (02)533-2225
Emergency: (02)588-2200, (02)588-2299
Marikina Station Tactical Operations Center (STOC)
Command Control Center / C3: (02)643-0000
Makati Public Safety Department
Command Control Center / C3: (02)870-1940, (02)870-1942
Traffic / Radio Room / Public Safety Department: (02)844-3146, (02)819-3270 to 71
North Luzon Expressway (NLEx) hotlines
Subic-Clark-Tarlac Expressway (SCTEX) hotlines
Traffic Control: 0920-96-SCTEX (72839)
Trunkline: (02) 362-2246 / (02) 362-9997
Skyway System hotline
Hotline: (02) 824-2282
Landline: (02) 776-7777
Globe: (0917) 539-8762
Smart: (0999) 886-0893
Sun: (0932) 854-6980
South Luzon Expressway (SLEx) hotline
Hotline: (02) 824-2282, (02) 7763909
Laguna: (049) 508-7539, 502-8956
Manila: (02) 584-4389
Metro Manila Development Authority (MMDA)
Trunkline: (02) 882-4150-77
loc. 337 (rescue)
319 (Road Safety)
374 (Public Safety)
320 (Road Emergency)
Philippine National Police (PNP) hotline patrol
Text hotline: 0917-847-5757
5) Get to know the other party. Most importantly, is his vehicle covered by a comprehensive insurance policy or just a Compulsory Third Party Liability? It is the moral obligation for the party at fault to shoulder the repair expense for the damage incurred by the accident. Having a comprehensive insurance coverage is very important for both.
6) At the police station
a) The police investigator will require the Driver’s License of parties involved in the accident
b) He will hand over to each party the Traffic Accident Situation Form where each party is required to narrate their version of the incident.
c) From the narration of each party involved, a sketch will be drawn up of the accident indicating
the position of each vehicle at the time of the accident. This sketch will be signed by each
party involved in the accident
(Here is where your pictures will come in)
d) The investigator will also require from the parties involved as to what has been agreed by them
Likewise, here is where the liability of each party will be determined.
This is where the copy of Insurance policies, contact persons, contact numbers are exchanged.
Calls are made to notify the insurance companies or representatives of the accident.
e) Pictures of the damages incurred are taken. The investigator makes the Police Report which will be needed for filing your insurance claim.
7) Filing your Insurance Claim – Submit the following
a) Police Report
b) Repair Estimate by an Insurance Accredited Repair Shop
c) Pictures of the Damage (close up & from afar showing the car’s license plate)
d) Driver’s License with latest OR
e) Stencils of the car’s Engine & Chassis numbers
f) clear copy of the car’s LTO CR (Cert of Registration) & latest OR of registration
g) copy of your insurance policy
8) For Third Party Claim (Property Damage) – Submit the following
a) Certificate of No Claim – if you do not have a Comprehensive Insurance Coverage,
you will need to request this from the Insurance Company that issued your
CTPL (Compulsory Third Party Liability) policy
b) Repair Estimate by an Insurance Accredited Repair Shop
c) Pictures of the Damage (close & from afar showing the car’s license plates)
d) Copy of Driver’s License with latest OR
e) Stencil of the car’s Engine and Chassis numbers
9) For Third Party Claims (Bodily Injury) – Submit the following
a) a Valid Gov’t Issued ID
b) NSO birth certificate (for minors)
c) Original Medical Certificate
d) Medical receipts with prescription, Hospital bill
e) Other documents as may be required depending on the situation
10) For Third Party Death Claims – Submit the following
a) Valid Gov’t Issued ID of claimants/heirs
b) NSO Birth Certificate
c) NSO Marriage Certificate (if married)
d) Certified Copy of Death Certificate
e) Certified Copy of Funeral Bill/receipts
f) Certificate of Employment / latest ITR (for loss of income)
11) For Claims due to Theft of your insured Vehicle – Do this and Submit the following to your insurance company
a) Report the Incident of your stolen vehicle to the Anti-Carnapping Group and call your insurance company immediately –
Dial (632) 722-4068 / (632) 725-1133 local 4359 PNP Task Force Limbas/ Anti-Carnapping For Highway Robbery & Other Motor Vehicle related crimes
Dial (632) 724-8869 Highway Patrol Group For Motor Vehicle Related Transactions
Philippine National Police Hotline is 117
Ask around the vicinity where you had left your car in case someone may have seen the incident.
Observe if there was any nearby establishment with a CCTV camera that may have recorded the incident.
b) Copy of Carnapping Report
c) Copy of LTO OR CR of your unit
d) Copy of your Insurance policy.
Make sure that you retain a receiving copy of the documents you submitted to the insurance company that is duly received with date and signature over printed name of the Insurance personnel that received your documents. This is important as there is a 3 months waiting / recovery period. If after 3 months your vehicle has not been recovered then the Insurance company will pay for the Actual Cash Value (ACV) of your stolen vehicle.
Note: The Actual Cash Value of your stolen vehicle is not equivalent to the price of the brand new counterpart, so, expect to undergo negotiation with your insurance company for the amount that is fair for all.
This is the time when you can shop around for a replacement for your stolen vehicle.