Car Auto Insurance Basic Insurance Claim Guidelines

What should you do in case of an accident?

·         If a third party is involved, call a police or traffic enforcer or report the accident to the nearest police station. Take pictures on site if possible.

·         It would be necessary to get the following details particularly if the third party is clearly at fault

Ø      Name of the driver and registered owner

Ø      Insurance of the driver and photocopy of insurance policy

Ø      Unit model and plate no.

·         Notarized affidavit is accepted for a non-third party involved accident.

What are the basic documents to be submitted in claiming car insurance?

·         Police report of notarized affidavit

·         Insurance policy and official receipt

·         Photos of damaged unit

·         Car registration and official receipt

·         Estimate

·         Certificate of no claim ( for 3^rd party property claim)

Where do I submit the documents?

·         In house Claimant:  You may submit your claim documents to your car company/

·         Non In house claimant: You may submit your claim directly to your insurance branch office servicing you or you may call them to pick the requirements to you.

How can I have my car repaired?

After the evaluation and inspection of the damaged vehicle, Insurance coordinator will facilitate the approval of claim. Letter of authority or repair evaluations is needed to proceed the repair.

In addition to, the claimant is required to pay the Deductible Franchise and betterment/depreciation for all replaced parts for vehicle with 3 (three) years and above.