In short
It deducts 0.50% of the insured value, at least ₱2,000. Get a police report first.
CTPL alone does not pay for your car. Your passengers can still claim up to ₱30,000 each from your CTPL insurer, the no-fault amount set by IMC 2024-01 (official source).
- Your car's damage
- Own damage, Section III of a comprehensive policy
- Deductible
- 0.50% of insured value, minimum ₱2,000 (IC standard policy, from 1 July 2023)
- Passenger injuries
- No-fault claim on your car's CTPL, up to ₱30,000 each (IC Memorandum Circular 2024-01)
- CTPL-only car
- No cover for your own car's damage
- Police report
- Get one: BPI MS requires it where recovery is possible
- Notice to insurer
- As soon as possible (IC standard policy)
Hit while driving or while parked: which part of your policy pays
Yes, if you have a comprehensive policy. Section III of the IC standard Private Car Policy pays for loss or damage from accidental collision, and for malicious damage by others.
With the other driver gone, the claim runs on that section of your own policy.
CTPL is different. It pays for death and injury to people, so a CTPL-only car has no cover for its own repair.
Your passengers still have a no-fault claim against your car's CTPL. Insurance Code, Sec. 391 (official source) sends an occupant's claim to the insurer of the car they rode in.
| Loss | Cover that pays | Limit or condition |
|---|---|---|
| Damage to your car | Own damage (Section III), comprehensive policy | Insured value in the schedule, less the deductible |
| Damage while parked by a malicious act | Own damage (Section III) | Same deductible applies |
| Injury to your passengers | Your car's CTPL, no-fault | Up to ₱30,000 per person |
| Injury to you or passengers beyond that | Auto personal accident, if you bought it | The amount in your schedule |
| Your car's damage, CTPL-only policy | Nothing | CTPL covers people, not the car |
How to file a hit-and-run claim when the other car is gone
Your evidence is all the claim has, so collect it before the scene is cleared. A partial plate or the car's colour still helps the police report.
- Before step 1
- Your phone, your insurer's claims number and your policy number
- Done when
- The insurer issues a letter of authority to repair or a cash offer
- Make the scene safe
Turn on hazard lights and help anyone hurt. Expressway patrol numbers are on the emergency hotlines page.
- Record the fleeing car
Write down any part of the plate, the make, model and colour, and the direction it went. Ask witnesses for their numbers.
- Photograph the damage
Take the scene, the damage and the whole car showing your plate, from at least 4 angles.
- Photos of damage and plate
- Report to the police
Stronghold's claim steps begin at the nearest police station. Ask for a copy of the police report.
- Police report
- Notify your insurer
Call the claims line as soon as possible with the time, place and what happened.
- Send the own damage papers
Submit the documents below. The insurer then issues a letter of authority to repair or a cash settlement offer.
Hit-and-run claim papers: the police report carries the claim
The list is the own damage set, without any third-party papers, since there is no other car's CR, licence or insurer to name. A notarized affidavit can stand in for a police report at most insurers.
In a hit-and-run, though, the police report is the record of a vehicle you cannot produce, so get one.
8 of 8 still to check
Your share of a hit-and-run repair, and driving the damaged car
You carry the deductible even though someone else caused the damage, because the claim runs on your own policy. It is 0.50% of the insured value, with a ₱2,000 floor.
On a car insured for ₱800,000, that is ₱4,000.
Do not keep driving a car with body or mechanical damage. The standard policy excludes any further damage caused by driving before repair.
Small jobs move faster under the policy's Authorized Repair Limit: within it, you may authorize the repair once a detailed estimate goes to the insurer.
Parts depreciation for older cars is set out in how to file a car insurance claim.
If the police find the other driver
A traced driver changes who can pay. Your passengers' no-fault payment does not change.
The insurer that paid it keeps a right to recover from the owner responsible.
For your car, you may then claim from the other driver's insurer. That third-party claim needs a certificate of no claim from your own insurer.
For injuries, the rules on who claims from whom are in how to claim CTPL insurance. Choose that route if the traced driver is insured, because the claim runs on their policy.
Otherwise keep it on your own.