Auto Insurance Claim

DOCUMENTARY REQUIREMENTS TO FILE A CLAIM

1. Own Damage

Pertains to accidental damage to the insured vehicle.

  1. Policy
  2. Policy Report or a Notarized Affidavit executed by the assured or the authorized driver thereof
  3. Photocopy of the Certificate of Registration and Official Receipt of the insured unit
  4. Photocopy of the Driver’s License and Official Receipt of whoever was driving when the accident occurred
  5. Pictures of the damage sustained by the unit showing the damage as well as the whole car with the license plate visible
  6. Repair Estimate

2. Compulsory Third Party Liability

Pertains to bodily injury resulting from an accident by an insured unit covered under the Mandatory CTPL coverage.

  1. Policy
  2. Policy Report or a Notarized Affidavit executed by the assured or the authorized driver thereof
  3. Photocopy of the Certificate of Registration and Official Receipt of the insured unit
  4. Photocopy of the Driver’s License and Official Receipt of whoever was driving when the accident occurred
  5. Medical Certificate of the victim
  6. Any and all medical and hospital receipts in relation to the victim’s injuries

The NO FAULT provision under this coverage offers a maximum indemnity to a victim in the amount no more than Php 10,000.00 as provided for in the policy whether or not the authorized driver is found to be at fault or not.

3. Excess Bodily Injury

This coverage refers to the voluntary coverage obtained by the assured specifically for Bodily Injury Claims, which will only respond in excess of the CTPL coverage. Documentary requirements and claim procedures are the same with that of CTPL.

4. Third Party Property Damage

A TPPD claim is filed when the insured unit causes damage to a third party property. Documentary requirements may vary with respect to the nature of the property damaged.

Assured’s documents:

  1. Certificate of Registration and Official Receipt
  2. Driver’s License and Official Receipt
  3. Police Report

Third Party documents – in case there is another vehicle involved:

  1. Certificate of Registration and Official Receipt
  2. Driver’s License and Official Receipt
  3. Pictures
  4. Repair Estimates
  5. Certificate of No Claim
 

CLAIMS SECTION

1. Receiving Section

  1. Claimants may submit their documents to the receiving section located at the lobby of the Claims Department. All documents will be stamped with our receiving date and duly signed by the receiving staff.
  2. A claim number will be assigned by the claims computer system upon encoding of all documents submitted by the assured.
  3. All submitted documents are passed on to the processing section for evaluation of the claim.

2. Processing Section

All submitted claim documents are given to the claims examiner for evaluation and consequently for the issuance of a Letter of Authority or Cash Settlement Offer.

 

PARTNER SHOPS

Should the client bring the insured unit to any of the partner shops of Prudential Guarantee and Assurance, Inc. the said shops will be responsible of assisting the client with regard to the documents and the repair of the vehicle.

You can view the list of PGAI partner shops here