April 5, 2021

How to File a Car Insurance Claim

What happens next if the unexpected occurs? Read on as Assurance.Ph outlines how you can file your car insurance claim.

How to File a Car Insurance Claim

Insurance policies tend to give most people an idea that filing a claim is more than complicated that it truly is.  It is not complicated at all, but yes, it will require some paperwork. For starters, all you have to do is report the incident as soon as possible so this is lodged by the insurance company.  (Which reminds me, make sure to keep the Claims Reporting Number saved on your phone or keep a policy copy in your glove compartment.) Then submit the usual documentation requirements, such as:

  1. Police report
  2. Pictures of the vehicles while at the accident scene / clear shots of the damages incurred
  3. Repair estimate - you can also check with the insurance company their list of accredited repair shops so you don’t have to go to 2 locations for an estimate and eventual repair
  4. Driver’s license(s)
  5. Registration paper of the vehicle(s) involved

You may have an occasional phone call from the insurance company’s claims adjuster inquiring on additional details, but soon enough, you can expect to know when you can get your Letter of Authority (LOA) so you can bring your car to the accredited repair shop. You will be advised by the repair shop on parts that they may have to order, timeline of the repair, and estimate date of completion.


Once the car is ready for release, just be prepared to pay your participation or deductible to the repair shop. And off you go with your newly repaired vehicle!

But what is the key to all this? Being with your trusted agent or broker who holds your hand throughout this process. That is what Assurance.Ph will earn from you -- your trust.

Assurance.Ph is your partner in providing protection for your vehicle, property, and passengers in the Philippines. Together with Automart.Ph and Motomart.Ph, we help car and motorcycle owners choose the protection package that suits their needs and budgets, and ensure easy and affordable access online and offline. Chat with one of your Assurance advisors via Viber (0956 302 9631) or email us at contact@assurance.ph to know more about the insurance packages that Assurance.Ph offers.