Car Insurance Claim: Filing and Getting Insurance Benefits

Getting involved in an accident is a situation none of us want. The monetary consequences are something we'd rather live without. Thankfully, in a worst case scenario that we do get involved in an accident, our car insurance is there to lessen the load on our wallets. The question then is: How do we avail of the benefits our car insurance typically offer?

Read on and let Automart.Ph guide you through the entire car insurance claim process.

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How to avail of car insurance through Automart.Ph

What to do in Case of an Accident?

Accidents can be a horrifying experience for anyone. Nonetheless, you need to make sure to calm yourself down. Regain you composure and do the following:

1. Report the incident to the police
   In case of an accident, usually the first responders will be the police or traffic enforcers. They will gather details about the incident and note damage to vehicle and parties involved.It would be best to request for a police report since this is one of the requirements for filing insurance claims.
2. Take pictures of the accident and all involved
   Proof is your #1 ally in case of an accident. Make sure to take photos of the scene and emphasize damages and vehicles involved.
3. Document accident specifics
   Work with the other party and exchange information on: Names, contact details, addresses, model & plate number of involved vehicles, driver's license, and insurance policy coverage.

Basic Requirements for Car Insurance Claim

Requirements for car insurance claim usually vary between providers but in general are a bit similar to one another. Here are the requirements for Automart's insurance partner.

1. Own Fault
2. Vehicle Original receipt and certificate of registration (ORCR)
3. Driver's License and Official Receipt
4. Duly accomplished and notarized original Owner's/Driver's affidavit indicating circumstances of loss, complete vehicle description, Date, place of loss or damaged portions of vehicle (minor collision, self-accident)
5. Third Party Fault
6. Police report (original or certified true copy)
7. Vehicle photos showing four (4) angles: Zoomed-in photos of damage, Plate number, Position and photos taken at the site of accident
8. Car Shop estimate for damages

Additional Requirements

Apart from the basic requirements for car insurance claim, you will need to provide the following depending on accident circumstances:

Total Loss/Wreck:

• Original ORCR (Both parties)
• Statement of outstanding loan balance from the bank (If mortgaged, at least 2 mos.)
• Vehicle sales invoice & delivery receipt
• Original & duplicate keys
• Vehicle manual & warranty booklet

Theft/Carnap:

• Original ORCR (Both parties)
• Statement of outstanding loan balance from the bank (If mortgaged, at least 2 mos.)
• Vehicle sales invoice & delivery receipt
• Original & duplicate keys
• Alarm sheet (original or certified true copy)
• Certificate of non recovery

Third Party Damage to Non-Vehicle:

• Colored pictures of damaged property
• Estimated cost of repairs for damaged property
• Proof of ownership

Third Party Property Damage:

• Insurance policy of third party
• Original ORCR (Both parties)
• Driver's license id and official receipt
• Original certificate of no claim from insurer
• Vehicle photos showing four (4) angles: Zoomed-in photos of damage, Plate number, Position and photos taken at the site of accident
• Shop estimate

Third Party Bodily Injury:

• Original medical certificate
• Original receipts of medicine
• Original hospital bill
• Original or NSO/Civil registrar's copy of birth certificate (if minor or single)
• Picture showing injury of the victim (if available)

Third Party Death:

• Original or certified true copy of death certificate (if minor or single)
• Original funeral receipts
• NSO/Civil registrar's copy of marriage contract (if married)
• Original or NSO/Civil registrar's copy of birth certificate (if minor or single)
• Picture showing injury of victim (if available)

Car Insurance Claim Process

The claims process for each insurance provider may vary but typically follow similar procedures:

1. Provide requirements stated above
2. Initial review and evaluation by insurance provider
3. Evaluation results and approval  (10-15 days)
4. Insurance provider offers client either a Letter of authority (LOA) or cash settlement for necessary repairs
5. If LOA: To be sent to dealer/accredited car repair shop
6. If cash settlement: Insurance provider to call client for pickup of check

Possible Reasons for Rejection of Claims

Filing for a car insurance claim is not a 100% guarantee that you will get a LOA for your vehicle repairs. Here are some possible reasons for rejection of your insurance claim:

• "Fraud" or intentional misinformation (i.e. wrong information on identity, vehicle, etc.)
• Intentionally causing injury or damage to property
• Driving against the law (e.g. driving under the influence, driving without a license, etc.)
• Settlement with other party at the site of accident
• Unit fixed before filing for insurance claim
• Unpaid insurance premiums
• Damages found to be there even before accident

Further Information

Avail comprehensive car insurance from Automart.Ph now and enjoy extended coverage for your family!

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