GUIDELINES FOR MOTOR CAR INSURANCE CLAIMS
A. What to do in case of an Accident or Loss of Vehicle?
- Report the accident immediately to the nearest police station and secure a copy of the Police Investigation Report.
- Never leave your damaged vehicle unattended to prevent further loss or damage.
- Bring the damaged vehicle to any of our accredited shops for an initial estimate.
- Take the name, address, telephone number and other details (such as registration certificate, driver’s license and insurance policy) of the adverse party vehicle.
- Attend to persons requiring medical attention, and gather all the medical expenses of the victim/s (such as medical receipts, x-ray and laboratory receipts, and other professional fees).
- For Carnap Cases, report the incident to the nearest police station and secure a Flash Alarm. Submit the flash alarm together with car registration and/or vehicle invoice to the Traffic Management Group Center, Camp Crame, Quezon City and secure a copy of the complaint and alarm sheet.
- Inform our claims department immediately and submit all the necessary requirements to expedite the processing of your claim.
Note: The repair of the vehicle will not proceed without the approval of the company.
B. What are the Requirements in filing a Motor Car Insurance Claim?
Regardless of the nature of claim, the following documents must be submitted to the company:
- Insurance Policy and Official Receipt (O.R.) of Premium Payment
- Police Report and/or Driver’s Affidavit
- Certificate of Registration and Official Receipt (O.R.)
- Driver’s License and Official Receipt (O.R.)
- Stencil of Motor and Serial Number
- Policy Endorsement (if available)
In addition to the primary documents, the following are also required to process the specific claims listed below:
Own Damage Claim:
- Pictures of damage vehicle showing the extent of damage and plate number.
- Repair Estimate.
- Complaint Sheet
- Alarm Sheet
- Certificate of Non-Recovery (to be submitted after 90 days)
- Original Certificate of Registration and Official Receipt (O.R.)
- Duplicate Keys
- Original Policy
- Cancellation of Chattel Mortgage (if the unit is encumbered)
- Note: Items No. 5,6,7 and 8 are also required for Total Loss Claim
Property Damage Claim:
- Third party Certificate of Registration and Official Receipt (O.R.)
- Third party Driver’s License and Official Receipt (O.R.)
- Third party insurance policy
- Certificate of No Claim
- Picture of third party vehicle showing the extent of damage and plate number
- Repair Estimate
Bodily Injury Claim:
- Medical Certificate
- Medical Receipts
- Hospital Bills
- Birth Certificate of the victim and marriage contract of his/her parents (if the victim is a minor)
- Death Certificate
- Burial Receipts
- Birth Certificate of the victim and marriage contract of his/her parents (if the victim is single)
- Marriage contract of spouse (if the victim is married)
For insured’s reimbursement claim, the following documents must be submitted:
- Notarized Affidavit of Desistance
- Proof of payment made by the insured to the adverse party
C. Where to submit the Claims Requirements?
Claims requirements may be directly submitted to our Peoples General Insurance Corp Head Office located at 420 Calle Magallanes, Intramuros, Manila or to any of our Service Offices nearest your location including INSURANCE DIRECT a division of AUTO CARS DIRECT ASSISTANCE CORP located at 7th Floor Corinthian Plaza Bldg., 121 Paseo De Roxas, Makati City, Philippines, Telephone 02 801 0848.
For information and claims inquiries, you may contact our Peoples General Insurance Corp Claims Department on the following numbers, 527-6554 or our Telephones, 527-7611 to 15
- The clients can only submit affidavit instead of Police Clearance if the claims are below 50,000php.
- The car will be considered a Total Loss, if the damage cost is almost 70% of the car's value.
- If it’s a case of Carnap:
- The client has to report the incident to the Highway Patrol Group (HPG) or Police immediately.
- The back-up car keys has to be surrendered to us.
- The client has to wait for 90 days to recover the unit. If the car is still missing after 90 days, The Highway Patrol Group (HPG) will issue a "Non-Recovery Certificate"