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In the unfortunate event you do meet an accident; here are a few reminders that will save you from future inconveniences:

  1. Report the accident immediately to our Motor Car Claims Department or to your Account Manager so that we may properly advise and assist you on the matter.
  2. In case the accident involves a third party, do not immediately admit liability or make any payment or commitment without the approval of the insurance company.
  3. Do not authorize any repair of your vehicle unless the insurance company has given its approval.

Please note that failure to follow 2 & 3 may prejudice your policy rights and make it difficult or even impossible to process your claim. Meanwhile, here are the common reasons for denial of motor car claims:

  1. Late filing (as stated in the policy, the insured shall, as soon as possible, give notice thereof to the Company the full particulars).
  2. Discrepancy on details (particularly on registered owner, serial number, motor number and other particulars stated in the policy).
  3. Unauthorized repair.
  4. Unpaid premiums.

The quick and efficient processing of your motorcar claim is very much dependent on the completeness of the documents submitted. Basically, the following are the required claim documents for the various kinds of Motor Car Claims
Own Damage Claim
  1. Police Report or Notarized Affidavit of the Driver stating the facts of accident.
  2. Photocopy of the Certificate of Registration with Official Receipt.
  3. Photocopy of the Driver´s License with Official Receipt.
  4. Pictures of the damaged portion of the Insured unit and with at least one showing the plate number.
  5. Repair Estimate.
  6. Stencil of motor and chassis numbers.
Third Party Liability – Property Damage Claim
  1. Police Report or Notarized Affidavit of the Driver stating the facts of the accident.
  2. Photocopy of the Certificate of Registration with Official Receipt (both Parties).
  3. Photocopy of the Driver´s License with Official Receipt (both Parties).
  4. Pictures of the adverse vehicle showing the car´s plate number and the damaged portion.
  5. Repair Estimate.
  6. Stencil of motor and chassis numbers.
  7. Certificate of No Claim issued by the adverse party´s insurer.
Third Party Liability – Bodily Injury Claim
  1. Original copy of the Medical Certificate, Death Certificate or Autopsy Report.
  2. Original copies of the official receipt covering hospital bills, medicines and/or supplies bought, doctor´s fee and burial expenses.
  3. Certified true copy of Birth Certificate, if victim is a minor or proof of affiliation of claimant to victim.
  4. Relevant pictures.
  5. Police Report.
  6. Photocopy of the Certificate of Registration with Official Receipt.
  7. Photocopy of the Driver´s License with Official Receipt.
  8. Affidavit of Desistance or Release of claim duly signed by the BI claimant.
Carnap Claim
  1. Police Report
  2. Certificate of Registration with Official Receipt
  3. Photocopy of the Driver´s License with Official Receipt.
  4. Copy of Complaint Sheet filed with the Anti-Carnapping Unit.
  5. Alarm Sheet from CHPG and Police Unit (can be obtained from the PNP Anti-Carnapping unit at Camp Crame).
  6. Certificate of Non-Recovery issued by the Anti-Carnapping Unit (can be secured 90 days after the issuance of Alarm Sheet).
  7. Ignition Key or Spare Key (to be surrendered in exchange of the settlement check).
  8. Release of Chattel Mortgage, if any.
Theft Claim
  1. Police Report
  2. Photocpy of the Certificate of Registration with Official Receipt
  3. Photocopy of the Driver´s License with Official Receipt.
  4. Pictures of the unit showing plate number and the place where the stolen accessories were before they were stolen.
  5. Stereo Manual for stolen stereo, or estimate of stolen accessories, etc.
  6. Copy of Complaint Sheet filed with the Anti-Carnapping Unit.
  7. Alarm Sheet from CHPG and Police Unit (can be obtained from the PNP Anti-Carnapping unit at Camp Crame).
  8. Certificate of Non-Recovery issued by the Anti-Carnapping Unit (can be secured 90 days after the issuance of Alarm Sheet).
  9. Ignition Key or Spare Key (to be surrendered in exchange of the settlement check).
  10. Release of Chattel Mortgage, if any.
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