August 24, 2021

What Do I Need To Prepare to File an Auto Insurance Claim?

Read on as Assurance.Ph lists down the documents you need to prepare for your car insurance claim.

What Do I Need To Prepare to File an Auto Insurance Claim?

Your Basic Claim Documents and the Other Requirements Based on the Type of Claim

When you become involved in a road incident, you need to remember that you still have to file a claim, no matter the case. Assurance.Ph has listed the documents you will need to prepare when you’re filing for any one of these seven auto insurance claims.

For starters, Assurance.Ph is listing the general claims requirements that you need to complete or secure.

General Claim Documents

  • Your auto insurance claim form (filled out)
  • Police report or notarized affidavit of the accident or incident
  • Police sketches of accident/incident and the scene of the accident/incident (this is usually included in the police report; ask for it if it is not included)
  • Photos showing the damaged portions (of car/s and/or properties); the general scene of the accident; persons involved (if possible); and plate numbers of vehicles involved.
  • Photocopy of your driver’s license
  • Photocopy of your car registration documents (OR and CR)
  • Repair estimate (you can get this from your insurance provider’s field agent or assessor, or from their affiliated car repair shops)
  • Medical certificate (original copy)
  • Official receipts of medicines and medical treatment/s
  • Notice of claim from the third-party claimant or insurance company (you may request this from the other party involved in the accident or incident)

Once you have these basic documents, please note that you will need to prepare other documents depending on the type of auto insurance claim you are filing for.

Seven Car Insurance Claims and the Documents To Prepare for Them

There are, generally, seven types of insurance claims that you can file for. There are more types of auto insurance claims, but for this post, we are going to feature only seven as these are the most common claims and most often included in comprehensive car insurance policies.

Claim #1: Third-Party Bodily Injury Claim Documents

  • Completed general claim documents
  • Photocopies (2 copies) of driver’s licenses of the injured third parties
  • Photocopies of the car registration documents (OR and CR), both yours and of the third party, if applicable
  • Valid ID/s, especially if the third party (or parties) is of legal age
  • Birth certificate/s issued by the Philippine Statistics Authority (PSA), in lieu of valid IDs, if the third party is a minor (or minors)
  • Notice of claim from the third-party claimant or insurance company

Claim #2: Third-Party Property Damage Claim Documents

  • Completed general claim documents
  • Photocopies (2 copies) of driver’s licenses of both the insured and third parties
  • Photocopies of the car registration documents (OR and CR) of both the insured and third parties (if their vehicles were involved and/or affected in the accident)
  • Letter of claim from a third-party insurer or claimant
  • Proof of ownership (for non-vehicle properties)
  • Proof of ownership of the third-party property (for non-vehicle damages)
  • Certification of No Claim from the third-party insurance company
  • Original copy of Certification of No Claim issued by the third-party insurer (for vehicles)

Claim #3: Third-Party Death Claim Documents

  • Completed general claim documents
  • PSA-issued birth certificate of the deceased
  • PSA-issued birth certificate/s, in lieu of valid IDs, if the third party is a minor (or minors)
  • PSA-issued marriage certificate/s (in addition to IDs, but only when applicable)
  • Certified true copy of death certificate
  • Certified true copy of funeral bills or receipts
  • Valid IDs of the heirs or claimants

Claim #4: Auto Passenger Personal Accident Claim Documents

  • Completed general claim documents
  • Valid ID/s, especially if the third party (or parties) is of legal age
  • PSA-issued birth certificate/s, in lieu of valid IDs, if the third party is a minor (or minors)
  • PSA-issued marriage certificate/s (in addition to IDs; only when applicable)
  • Certificate of employment
  • In the case of the demis, certified true copy of death certificate and certified true copy of funeral bills or receipts

Claim #5: Lost or Stolen Vehicle Claim Documents

  • Completed general claim documents
  • The full set of keys of the lost car (both main and backup keys)
  • Original copy of car insurance policy (if digital copy, should be printed)
  • Original Copies of the Alarm Sheet and Complaint Sheet from the Philippine National Police Traffic Management Group (PNP TMG)
  • Original Copy of the Certificate of Non-Recovery from the PNP TMG
  • Original copy of Cancellation of Chattel Mortgage (if applicable)
  • Letter of release from the financial institution, bank or financial services company/holding (if applicable)

Claim #6: Own Damage Claim Documents

  • Completed general claim documents
  • Photocopy of your driver’s license
  • Photocopy of your car registration documents (OR and CR)
  • Repair estimate (You can get this from your insurance provider’s field agent or assessor, or from their affiliated car repair shops.)
  • Police report, or notarized affidavit of the incident that caused the damage to the car. Note that if the incident that caused the damage happened on a public road in Metro Manila, Metro Cebu, or Metro Davao, you will need to get a copy of the traffic accident investigation report.

Claim #7: Acts of Nature Claim Documents

  • Completed general claim documents
  • Photocopy of your driver’s license
  • Photocopy of your car registration documents (OR and CR)
  • Repair estimate from your insurance provider or duly-affiliated auto repair shop (you can get this from your insurance provider’s field agent or assessor, or from their affiliated car repair shops)

Additional Documents To Prepare

The following two documents are often processed after you have submitted all the other needed documents (basic and specific documents). Most of the time, you won’t be the one processing these personally, but you may need them in relation to your claims. These are:

  • Certificate of No Claim - a legal document that shows the third party has not filed a claim for the incident/accident that has happened. This document disallows future double claims to be made for a single incident/accident.
  • Letter of Authority (LOA) - a document that your insurance provider will give to you or submit to the service center or to their affiliated auto repair shop and serves as a go-ahead for your vehicle to be repaired.

What’s Next? Choosing the Coverage You Want in Your Comprehensive Auto Insurance Policy

Assurance.Ph helps vehicle owners by providing them with easy and affordable access to auto insurance. Assurance Advisors are open and cordial about providing clients with the facts and information they need to choose the coverage that would suit their needs and budgets, including these seven types of claims. Assurance hopes you have a better idea of what you want to include in your comprehensive insurance plan.

If you want to know more about getting a comprehensive auto insurance policy or learning more about the different types of claims and coverage available to you, start a conversation with one of our Assurance.Ph Advisors today at 0915 705 2031, 0905 205 0402, or 0956 302 9631. You may also email us at contact@assurance.ph.