Filing car insurance claims in the Philippines: Coverage to consider in case of an accident

When accidents happen, navigating the complex process of filing a car insurance claim can be daunting. Therefore it becomes crucial for an applicant to understand the various types of claims available, as it can make a significant difference in ensuring that you receive the compensation you're entitled to.

We here at Carmudi try to help an insurance seeker to the best of our ability, for instance, in this article we have discussed different types of car insurance claims you might consider when an accident occurs along with the events triggering a car insurance claim —overall, helping you make informed decisions.

Also Read: Car insurance made easy: Tips for new drivers in the Philippines

So, let’s get started.

Typical events triggering a car insurance claim

Filing a car insurance claim is essential in various scenarios where damage or loss occurs. Understanding these common situations can help you act swiftly and ensure you receive the compensation you're entitled to. Below are some of the most frequent circumstances that may necessitate filing a claim.

Vehicle collision with other cars

One of the most common reasons to file a car insurance claim is when your vehicle collides with another car. Whether you are at fault or the other driver is responsible, filing a claim helps cover the cost of repairs or medical expenses.

Example: You are driving through an intersection when another car runs a red light and hits your vehicle. You should file a claim to cover the repair costs or medical bills resulting from the accident.

Hitting a stationary object

Accidents don’t always involve other vehicles. Sometimes, you might collide with a stationary object, such as a tree, pole, or fence. In such cases, your collision coverage can be used to pay for the repairs to your vehicle.

Example: While backing out of a parking space, you accidentally hit a light pole, causing a dent in your car. Filing a collision claim will help cover the repair costs.

Theft or vandalism

If your vehicle is stolen or vandalized, you can file a claim. Comprehensive insurance covers such incidents and ensures that you are compensated for the loss or damage to your vehicle, up to the policy's limits.

Example: You wake up to find your car missing from your driveway, or you discover that someone has broken your windows and stolen your stereo. Filing a comprehensive claim will help you recover the cost of the stolen items or repair the damage.

Natural disasters

Natural disasters such as floods, hurricanes, earthquakes, or hail storms can cause significant damage to your vehicle. Comprehensive coverage typically includes protection against such events, allowing you to file a claim to repair or replace your vehicle if it is damaged by a natural disaster.

Example: A severe hailstorm damages your car’s roof and windshield. Filing a comprehensive damage claim will help cover the cost of repairs.

Animal collision

Colliding with an animal, such as a deer, can cause significant damage to your vehicle. In such cases, you would file a comprehensive damage claim rather than a collision claim, as this type of incident falls under non-collision-related damages.

Example: While driving on a rural road, a deer suddenly crosses your path, and you hit it, damaging the front of your car. A comprehensive claim will cover the repair costs.

Fire damage

Fire, whether caused by an engine malfunction or a natural disaster, can lead to the total loss of your vehicle. Comprehensive insurance typically covers fire damage, allowing you to file a claim for repairs or compensation if the car is deemed a total loss.

Example: A fire breaks out in your garage, spreading to your car and causing extensive damage. Filing a comprehensive claim will help cover the repair costs or provide you with the car's actual cash value if it's a total loss.

Accident resulting in injuries

If an accident results in injuries to you, your passengers, or others involved, filing a claim is crucial. An appropriate claim will cover medical expenses regardless of fault.

Example: You are rear-ended at a stoplight, resulting in whiplash injuries for you and your passengers. Filing an appropriate claim will help cover medical expenses and any related costs, such as lost wages.

Damages caused by falling objects

Objects falling onto your vehicle, such as tree branches, construction debris, or ice from a building, can cause significant damage. Comprehensive coverage usually applies in these situations, allowing you to file a claim to cover the repair costs.

Example: A heavy tree branch falls onto your parked car during a storm, denting the roof and breaking the windshield. A comprehensive damage claim will help cover the cost of repairs.

Accidents with uninsured/underinsured drivers

If you are involved in an accident with a driver who doesn’t have insurance or whose insurance coverage is insufficient, you need to file an appropriate claim that will ensure that you are not left with unpaid medical bills or repair costs

Example: Another driver runs a red light and hits your car. After exchanging information, you discover that they don’t have insurance. Filing an appropriate claim with your insurance company will help cover your expenses.

Glass/windshield damage

Cracks, chips, or shattering of your car's glass components, particularly the windshield, are common reasons for filing a specific claim. Many insurance policies include specific coverage for glass damage, often without requiring you to pay a deductible.

Example: A rock flies up from the road and cracks your windshield while driving. Filing an appropriate claim will allow you to replace the windshield with minimal out-of-pocket expense.

Also Read: Understanding car insurance cost in the Philippines in 2024

Types of car insurance claims

When it comes to filing a car insurance claim, it's essential to know the different types of claims that you can file, depending on the nature of the incident. Here's a detailed breakdown of the various car insurance claims as outlined in the reference link:

Third-party liability claims

One of the most common types of car insurance claims is the third-party liability claim. This type of claim is filed when you are at fault in an accident that results in damage to another person's property or causes injury to another person. Your insurance company will cover the costs associated with the damages or injuries up to the policy limit.

It is mandatory in several countries, including the Philippines, where third-party liability is required by law. It ensures that the applicant is financially protected if you are held responsible for an accident that causes harm to others. However, it does not cover damages to your own vehicle or injuries you may sustain.

When to file

You should file a third-party liability claim if you are involved in an accident where you are at fault, and there are damages to another person's vehicle or property or injuries to another person. This type of claim is essential for protecting yourself from potential lawsuits and financial burdens.

Also Read: Compulsory Third Party Liability (CTPL) 101: Everything a car buyer needs know

Comprehensive claims

Comprehensive damage claims are designed to cover damages to your vehicle that are not the result of a collision. This can include damages from natural disasters, theft, vandalism, or even hitting an animal. Comprehensive coverage is often bundled with collision coverage to provide broader protection for your vehicle.

Comprehensive coverage is also optional, but it offers valuable protection against a wide range of risks. If your vehicle is stolen or damaged by something other than a collision, comprehensive coverage can save you from significant out-of-pocket expenses.

When to file

You should file a comprehensive damage claim if your vehicle is damaged by events such as theft, vandalism, fire, flooding, or falling objects. This type of claim ensures that you are compensated for damages that are beyond your control.

Roadside assistance claims

Roadside assistance claims are filed when you need help on the road, such as towing, battery replacement, flat tire repair, or lockout service. While not technically a "claim" in the traditional sense, roadside assistance is often included in insurance policies as an add-on.

Roadside assistance can be a lifesaver if you experience a breakdown or other issues while driving. It provides peace of mind knowing that help is just a phone call away, without the need for immediate out-of-pocket expenses.

When to file

If you are stranded on the side of the road due to a breakdown, flat tire, or another issue, you should file a roadside assistance claim. This will provide you with the help you need to get back on the road quickly and safely.

Also Read: All you need to know about towing coverage in the Philippines

Own damage claim

An own damage claim covers damages to your vehicle resulting from a collision, regardless of who is at fault. This type of insurance claim is crucial for repairing or replacing your vehicle when it sustains damage due to a collision with another car, an electric post, the gutter, or anything else while driving under legal and normal conditions. Own damage insurance ensures that the financial burden of repairing your vehicle doesn’t fall entirely on you.

When to file

If your vehicle is involved in an accident or damaged by natural disasters should file an Own Damage claim (unless you do not have Acts of God coverage) to cover the repair or replacement costs.

Acts of nature claim

Acts of nature insurance covers damages to your vehicle caused by natural calamities such as floods, earthquakes, typhoons, or landslides. This type of claim is essential in areas prone to natural disasters, as it provides financial protection against events beyond your control.

When to file

If your vehicle is damaged due to natural disasters like floods or earthquakes, you should file an Acts of Nature claim.

Theft claim

A theft claim covers the loss of your vehicle if it is stolen or damaged by malicious acts such as graffiti, broken windows, and slashed tires. This type of insurance ensures that you receive compensation for your vehicle’s value, helping you repair or replace your stolen car without bearing the entire financial burden.

When to claim

If your vehicle is stolen, you should file a theft claim as soon as possible to start the process of receiving compensation for your loss. Or if your vehicle is deliberately damaged by vandals, you should file a vandalism claim to cover the repair costs.

Total loss claim

A total loss claim is filed when the cost of repairing your vehicle exceeds its market value, or if your vehicle is damaged beyond repair. In such cases, your insurance company will declare the vehicle a total loss and compensate you for its actual cash value, minus any deductibles.

When to file

If your vehicle is severely damaged and considered irreparable, you should file a Total Loss claim to receive compensation for the vehicle’s value.

Car insurance claim process Step-by-step

Filing a car insurance claim involves several steps, and understanding the process can help ensure a smooth and successful outcome.

Report the accident: Immediately after an accident, report it to your insurance company. Provide them with all necessary details, including the time, date, location, and description of the incident.

Gather evidence: Collect evidence at the scene of the accident. Take photos of the damage, gather witness statements, and obtain a copy of the police report if applicable.

File the claim: Contact your insurance company to file the claim. Provide all necessary documentation and be prepared to answer any questions.

Assessment & investigation: Once your claim is filed, the insurance company will assess the damage and may send an adjuster to inspect your vehicle.

Receive compensation: If your claim is approved, the insurance company will provide compensation based on the type of claim filed and the coverage limits of your policy.

Repair or replace the vehicle: Once you receive compensation, you can proceed with repairing or replacing your vehicle.

Bottom line

Filing a car insurance claim can be a complex process, but understanding the different types of claims available and knowing when to file them can make a significant difference in the outcome. By being informed and prepared, you can ensure that you receive the compensation you deserve and protect yourself from financial hardship.

Also Read: Top car insurance picks in the Philippines; know which one is right for you