A reliable car insurance policy is important, especially for car owners and drivers residing in the Philippines. Read to find out how you can file a car insurance claim.

1. GUIDE TO FILING A CAR
INSURANCE CLAIM

2. Step 1: Contact the police
Step 2: Collect information you need about the incident
Step 3: Contact your insurance provider
Step 4: A claims specialist will help you settle your claim
Step 5: Getting your car fixed and claim payment
HOWTO DO IT:

3. STEP 1: CONTACTTHE POLICE
In a worst case scenario, the other party may be difficult to deal
with. Having the authorities involved will help ensure your safety.
The police will also be able to contact an ambulance, should you
need medical attention due to the incident.They are also capable
of contacting services that will help check your vehicle for any gas
leak.
Make sure to ask for a police report as it can help you in making
your insurance claim.

4. STEP 2: COLLECT INFORMATIONYOU NEED
ABOUTTHE INCIDENT
Documenting the details of the accident, such as taking pictures and
safekeeping receipts can help you get ready when you are asked to present
proof upon filing your car insurance claim. Car insurance claims in the
Philippines also require the policyholder to take pictures of the damaged
sustained by the vehicle due to the incident.
 Full name and policy number
 Start and end date of your policy
 Date and time of the incident
 Names, addresses and contact numbers of all involved in the incident
 Driver’s license and license plate numbers of all drivers

5. STEP 3: CONTACTYOUR INSURANCE
PROVIDER
Your car insurance provider will guide you through the
next steps you will have to take regarding your insurance
claims. If your car is damaged beyond repair, they will let
you know what to do with the car.They can help you
arrange a rental car in the meantime, as your vehicle
undergoes repair.

6. STEP 4: A CLAIMS SPECIALIST WILL HELP
YOU SETTLEYOUR CLAIM
Once your car insurance claim has been to the
insurance company, you will be assigned a claims
professional. S/he will assist you by
recommending the garage you can get your car
repaired. In this stage, make sure that you
understand how your company works regarding
their choice of garage and repair guarantees.

7. STEP 5: GETTINGYOUR CAR FIXED AND
CLAIM PAYMENT
After the adjuster has done his/her research, you
will be provided an estimate of the cost to repair
your vehicle, and how the claim will go through.
The estimate normally encompasses the work to
be done, as well as the parts the insurance
company will allow you to use. Once you and the
adjuster has come to an agreement, the work can
be done and you can get your car back after it is
repaired.

8. Knowing how to properly file a car insurance claim in the
Philippines can save you from the headaches involved in
the process. It also ensures the you get appropriate
compensation and assistance that can help you save
money.