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Car Insurance in the Philippines
![Car Dashboard View](https://static.wixstatic.com/media/a04bee73747c4b88b049e2a1f9d02325.jpg/v1/fill/w_980,h_371,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/Car%20Dashboard%20View.jpg)
In the Philippines, there are two main types of motor car insurance policies to protect entities from various risks due to accidents:
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Comprehensive Motor Car Insurance
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Compulsory Third Party Liability
Comprehensive Auto Insurance
![accident_6031130.png](https://static.wixstatic.com/media/9fff5c_2f066eebb148419c8c9282946d1dfc62~mv2.png/v1/crop/x_0,y_62,w_512,h_389/fill/w_112,h_85,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/accident_6031130.png)
Third Party Liability
In case of accidents and the insured is at fault, the third party liability coverage will be triggered.
Acts of Nature (optional)
![flooded_8956456.png](https://static.wixstatic.com/media/9fff5c_973dca80feb0427b9b79c08d6407f810~mv2.png/v1/crop/x_0,y_62,w_512,h_389/fill/w_101,h_76,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/flooded_8956456.png)
This provides coverage to damage to vehicles due to natural calamities like Flood, Typhoon, Earthquake.
- Bodily Injury
Provides coverage to medical expenses of the aggrieved parties. This is a top-up to the CTPL insurance coverage all vehicles in the Philippines are required to have.
- Property Damage
Provides coverage to damages to properties of other entities due to accidents.
Other benefits a comprehensive car insurance policy usually have:
![lift-truck_100202.png](https://static.wixstatic.com/media/9fff5c_2bedb1547a7b40caa8a3c025718ec786~mv2.png/v1/fill/w_112,h_114,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/lift-truck_100202.png)
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24/7 Roadside Assistance
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Emergency Towing
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Minor on-site repairs
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Vehicle removal
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Arrangement of Rental Transport
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Car-napping assistance
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Locksmith Assistance
What is covered in a comprehensive car insurance policy?
In the Philippines, the covered risks included in a comprehensive auto insurance policy are generally as follows:
![car-accident_75701.png](https://static.wixstatic.com/media/9fff5c_f778674fa84b46279cde16114e3d733d~mv2.png/v1/crop/x_0,y_60,w_512,h_392/fill/w_102,h_78,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/car-accident_75701.png)
Damage to own vehicle
This covers damages to your own vehicle caused by a collision with another vehicle or object.
![seat_6414179.png](https://static.wixstatic.com/media/9fff5c_92f2d2354ff34fec81cf1667a140bc74~mv2.png/v1/crop/x_0,y_62,w_512,h_389/fill/w_101,h_76,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/seat_6414179.png)
Personal Accident Insurance for Passengers
This covers medical expenses for you and your passengers in case of injuries sustained in an accident.
CTPL Insurance
Requirement for LTO Registration
A Compulsory Third Party Liability (CTPL) insurance policy covers bodily injuries due to accidents when the insured is at fault.
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