How to File a Car Insurance Claim

How to File a Car Insurance Claim

It’s a Monday morning and you’re listening to feel-good music as you drive to work through the crazy, jampacked EDSA. Everything is going pretty well until you hear a loud “bang,” and the next thing you know, your car is hit from behind by another vehicle.

Before you burst into flames because there’s a 10 am board meeting you need to catch, try to calm yourself down. Getting caught in a rear-end collision (or any type of car accident) is stressful, but we at GoBear would like to put your mind at ease. That is why we’ve put up this guide in case you need to file a car insurance claim.

Call for medical and police assistance

Call for an ambulance and police assistance and start checking yourself and the parties involved for injuries. The next important thing you should do is take photos of your car and the car that bumped into you, including damages and plate numbers. It’s best to gather as much information as you can because car insurance companies will need them for investigation purposes. If there are witnesses, you might want to get their contact numbers as well.

Collect relevant documents 

Take note of important details such as medical bills. You can also go to the police station to file a Police Report. This can help protect you against lawsuits and is vital in filing a car insurance claim.

Prepare the documents needed for the car insurance claim

Here are the necessary documents required by most car insurance companies: 

  • Copy of your insurance policy and official receipt (OR) of premium payment
  • Police Report
  • Photos of the damaged part with the car’s license plate
  • Photos of the whole car with license plate
  • Notarized affidavit from the insurance company, including a written declaration of the sequence of events
  • Repair estimate
  • In case of bodily damage: Copies of medical certificate and receipts, marriage certificate (if applicable), birth certificate, and certificate of employment (COE)
  • In case of death: Certified true copies of death certificate and funeral bills

On filing a claim for bodily injury and death

If you are in a car accident that results in bodily injury and/or death, then you can expect a claim letter from the third party enumerating their requirements. You must call your car insurance provider and ask for a representative to assist you in organizing all needed documents. Most car insurance companies will take care of the reimbursement up to the limit of your car insurance coverage.

On filing a claim for property damage

Once the safety of everyone is ensured and details of the event are well accounted for, you must contact your car insurance provider to request for a representative to inspect the scene of the accident. Car insurance companies have their own list of authorized auto repair shops where you can take your vehicle for an estimate on the repair expenses. After the estimate amount is specified, the insurance company will issue a Letter of Authorization (LOA) to begin the repairs.

On filing a claim when it’s not an accident

Aside from collision, there are other reasons why you need to file a car insurance claim. Depending on your insurance coverage, you can file a claim when your car is damaged by floods, typhoons, and other Acts of Nature (AON). Filing a car insurance claim especially if the damage is caused by AON is fairly easy as insurance companies have concrete proof of a natural disaster. They will just require you to bring your car to their authorized repair shop to be evaluated. 

On filing a claim when the car is stolen

We hope this doesn’t happen, but if it does, the first step you should take is to report the incident immediately to the police station nearest you. Then, you or a representative from your car insurance company must go to Camp Crame to process a formal alarm. Your car insurance company can help you prepare the documents required such as:

  • Original OR of the stolen car
  • Deed of Sale
  • Certificate of Encumbrance (if applicable)
  • Photocopy of authenticated inspection report with stencil of engine and chassis numbers
  • Police Report
  • Original car insurance policy
  • Keys of the car
  • Valid ID

Secure an original copy of the Certificate of Non-Recovery, along with the documents mentioned above. Lastly, you must settle the deductible first before the insurance company can process your claim. 

People Also Read:

Investing in car insurance coverage offers peace of mind when you’re on the road. It can help protect you from the risks involved in accidents, AON, property damage, and even theft. With GoBear, you can compare car insurance quotes, so you can find the right coverage for your needs and lifestyle.