Accidents can still happen on the road despite observing safety measures and precautions, so having car insurance Ph can help in situations like this. If you get involved in an accident on the road, it is essential to know what to do and how to file for an insurance claim, which would be helpful during the insurance claim process.
When you get involved in vehicular accidents, it is essential to take note and do the following things:
● Check for injuries
● Document and take pictures of the accident.
● Do not block the traffic
● Remain calm while interacting with the other involved party
● Acquire a police report
● Undergo a medical examination
How To File a Car Insurance Claim
1. Contact your insurance provider
After documenting the accident and settling with the other party involved, you can file for a car insurance claim and contact your insurer to walk you through the process.
2. Provide the necessary documents to file for a claim
Your insurer will require you to present specific documents as you file for an insurance claim. These documents include an accomplished insurance claim form, police report, documentation of the damage, estimated cost of repair, photocopy of driver’s license, and photocopy of the vehicle’s Motor Vehicle Registration Renewal (MVRR) official receipt and registration certificate.
3. Follow up on your insurance claim
The process can take up as long as a month for some insurance companies as a thorough investigation and assessment will be done to validate the submitted documents.
4. Bring your car to an accredited repair shop
Once the insurance claim is approved, a Letter of Authority (LOA) will be issued, which is a document that will be needed for the repair shop to commence with the repair.
For more information about filing for a car insurance claim in the Philippines, here is an infographic by iChoose.ph.
