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How to Make a Car Insurance Claim

Accidents happen even to the most careful amongst us; that’s why it’s valuable to have auto insurance and know how to make a car insurance claim. A comprehensive car insurance coverage makes sure that the risk of damage to your car and your passengers is well-covered.

Your auto insurance helps alleviate the burden and financial loss in case you are caught in an accident. So what do you do when the unexpected (and should we add “unwanted”) happened and you were involved in a collision?

Here are important steps to take in making a car insurance claim.

Forget about the car insurance claim for a while and do a safety check first

While it’s tempting to go into a brawl and point fingers over who to blame – do stop. The safety of you, your passengers, and third party involved is of more importance than your car insurance claim.

Call for medical and police assistanc

Call for an ambulance and police assistance and begin checking for injuries. Afterwards, note important details and take pictures of your car, the cars involved, including damages and the plate numbers. Car insurance companies need these, so it’s important to gather as much info as you can. If there are witnesses, you might want to get their contact number as well.

Gather relevant documents for the car insurance claim

When the police arrive, they will also take note of all important details. Take the third party to the hospital to check whether they need further medical attention. You can go to the station to collect all necessary documents such as the Police Report. This can help protect you against lawsuits and is important in filing an auto insurance claim.


Prepare the documents needed for the auto insurance claim

Once the people involved are taken to the hospital, then you must prepare the documents required in filing a car insurance claim. Here are the documents required by most car insurance companies:

  • Copy of your insurance policy and official receipt of premium payment
  • Police report
  • Photo of the damaged part with the car’s license plate
  • Photo of the whole car with license
  • Notarized affidavit from the insurance company, including a written declaration of the sequence of events
  • Repair estimate
  • In case of bodily damage: a copy of medical certificate and receipts, copy of Marriage certificate (if applicable), a copy of Birth certificate, and certificate of employment
  • In case of death: certified copy of death certificate, and funeral bills

How to file a claim for bodily injury and death

If you are involved in a car accident that causes bodily injury and/or death, expect a claim letter from the third party enumerating their demands. You must call your auto insurance provider and ask for a representative to help 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.

How to file a claim for property damage

As always, after the safety of everyone is ensured and details of the event are well accounted for, you must contact your auto insurance provider and ask for a representative to go on site and inspect the scene. Whoever is at fault must take care of the repairs and expenses. Your representative will help you gather all needed documents in filing an insurance claim. Car insurance companies have their own list of authorized auto repair shops where you can take your vehicle for an estimate on the repairs. After the estimates are sent, the insurance company will issue a Letter of Authorization (LOA) to commence the repairs after you also pay the necessary deductibles.

How to file a claim when it’s not an accident

There are also instances where you can file a claim even if it’s not an accident. Depending on your car insurance coverage, you can file a claim when your car is damaged by floods, typhoons and other acts of nature. When this happens, you have to provide the car insurance company with your car’s whereabouts. Filing an auto insurance claim is fairly easy during natural disasters as car insurance companies already have concrete proof of a natural disaster. They will just require you to bring your car to their authorized repair shops to be evaluated.

How to file a claim when vehicle is stolen

We hope this won’t happen to you, but if it does, here’s how to claim car insurance for a stolen vehicle.

First report immediately the lost vehicle to the police station nearest you. Then, you (or a representative from your auto insurance company) must go to Camp Crame to process a formal alarm.

Car insurance companies can help you prepare the documents needed for this 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 auto insurance policy, keys of the car, valid ID, and two photos.

Secure an original copy of the Certificate of nonrecovery, along with the documents mentioned above, and submit it to your auto insurance company.

Lastly, you must settle the deductible before the company will process your car insurance claim. Most car insurance companies will offer a reimbursement or replacement depending on your policy.

Compare car insurance companies in the Philippines


Having a good car insurance coverage can give you peace of mind when you are on the road. Your auto insurance can help protect you from the risks involved in accidents, acts of nature, property damage, and even theft. GoBear Philippines helps you compare car insurance companies in the country so you can find the right car insurance coverage for your needs and lifestyle. Protect yourself from lawsuits and unnecessary liabilities with the right auto insurance.

Follow GoBear Philippines for more tips on auto insurance, including how to file a car insurance claim, road safety guidelines, and more.

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