Motor Claims

In the unfortunate event that you are involved in an accident, here are 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 can properly advise and assist you in 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 on your vehicle unless the insurance company has given its approval.
4. In case of flood, do not try to re-start a car that has been soaked in water.

Please note that failure to follow 2 & 3 may prejudice your policy rights and make it difficult or give your insurer the reason to deny your claim. Listed below are the other possible reasons for motor car claims to be denied:

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 of details (particularly on registered owner, serial number, motor number and other particulars stated in the policy)
3. Undeclared Accessories (e.g. Bull bars, Tint, Mags & Stereo not standard, roof racks and others)
4. Unauthorized repair
5. Unauthorized driver; Restriction Code; expired Driver’s License; Drunk driving
6. Unpaid premiums
7. Accepting settlement with the person at fault (compromise settlement/final settlement) which is not substantial for the repair of the damaged vehicle

The early settlement of your motor car claim is very much dependent on the completeness of the documents submitted. For your reference and guidance, the following are the required claim documents for the various kinds of motor car claims.

Own Damage Claim

1. Police report or a notarized affidavit of the driver stating the facts of the accident
2. Photocopy of the Certificate of Registration with the official receipt
3. Photocopy of the driver´s license with the official receipt
4. Pictures of the damaged portion(s) of the insured unit, 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 a notarized affidavit of the driver stating the facts of the accident
2. Photocopy of the Certificate of Registration with the official receipt (both parties)
3. Photocopy of the driver´s license with the official receipt (both parties)
4. Pictures of the adverse vehicle showing the car´s plate number and the damaged portion(s)
5. Repair estimate
6. Stencil of motor and chassis numbers
7. Certificate of No Claim issued by the adverse party's insurer, supplies bought, doctor's fee, and burial expenses

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
3. Certified true copy of birth certificate if the victim is a minor or proof of affiliation of claimant to the victim
4. Relevant pictures
5. Police report
6. Photocopy of the Certificate of Registration with the official receipt
7. Photocopy of the driver´s license with the 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 the official receipt
3. Photocopy of the driver´s license with the official receipt
4. Copy of Complaint Sheet led 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 an 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. Photocopy of the Certificate of Registration with the official receipt
3. Photocopy of the driver´s license with the 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 led 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 an Alarm Sheet)
9. Ignition key or spare key (to be surrendered in exchange of the settlement check)
10. Release of Chattel Mortgage, if any.