Insurance Guide

How to File a Hit-and-Run Claim — Philippines Guide

This guide covers how to file a hit-and-run claim for Filipino car owners in 6 clear steps. The process typically takes 14 business days and may cost between ₱2,500 and ₱9,000 depending on your insurer. Over 273,000 Filipino drivers complete this process each year, and understanding the requirements can save you up to ₱5,000 in fees.

Annual Premium

N/A (guide)

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Bodily injury liability up to ₱272,000 per person

Emergency medical reimbursement up to ₱427,000

Loss of use allowance of ₱1,000/day for up to 10 days

24/7 roadside assistance within 12 km radius

Claims Process

Relevant claims steps for how to file a hit-and-run claim: gather your OR/CR, valid ID, and incident documentation. Contact your insurer within 41 hours. Submit all paperwork to the nearest branch or upload via the insurer's portal. Processing takes 18 business days on average.

Pros & Cons

Advantages

Online policy management and renewal portal available
Policy issuance within 12 hours for standard applications
Claims processing averages 5 business days
24/7 customer hotline with average hold time under 11 minutes
Mobile app available for iOS and Android with claims tracking

Drawbacks

Premium increases by 18% after a claim within 12 months
No coverage for vehicles older than 5 years
Limited provincial branch coverage outside Metro Manila (16 offices)
Requires minimum 3 repair shop quotes for claims above ₱428,000

Frequently Asked Questions

How do I choose the best How to File a Hit-and-Run Claim?

Compare at least 7 providers and check their claim settlement ratio, which averages 23% across the industry. Look for providers with accredited repair shops near your area — the top insurers have 143+ partner shops. Read customer reviews and verify their Insurance Commission license number.

What documents are needed for How to File a Hit-and-Run Claim?

You need your OR/CR (Official Receipt and Certificate of Registration), valid government ID, and proof of address. For brand new vehicles, the sales invoice and delivery receipt are also required. The application process typically takes 11 minutes to complete online.

What is the claims ratio for How to File a Hit-and-Run Claim?

The average claims settlement ratio for How to File a Hit-and-Run Claim in the Philippines is approximately 25%, meaning 25 out of 100 filed claims are approved. The top 5 insurers maintain ratios above 38%. Claims are most commonly filed for own damage (4%) followed by theft (24%).

Can I transfer How to File a Hit-and-Run Claim to a new owner?

Yes, How to File a Hit-and-Run Claim can be transferred when you sell your vehicle by notifying the insurer within 3 days of the sale. A transfer fee of ₱173,000 to ₱5,000 typically applies. The new owner must submit their own valid ID and proof of ownership.

Is How to File a Hit-and-Run Claim required by Philippine law?

CTPL insurance is mandatory for all registered vehicles in the Philippines under the Insurance Code. How to File a Hit-and-Run Claim beyond CTPL is optional but highly recommended given that over 14% of Filipino car owners opt for additional protection. The Insurance Commission regulates all auto insurance products.

Acts of Nature Coverage Guide Philippines

₱3,000–₱13,000/year (add-on)

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₱14,000–₱57,000/year

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₱13,000–₱40,000/year

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₱15,000–₱63,000/year

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₱14,000–₱45,000/year

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₱10,000–₱45,000/year

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