Risks Of Driving Without Car Insurance In The Philippines

Over the years, many Filipinos have purchased their private vehicles to escape the long exhausting commute through public transportation. In the Philippines, having your vehicle enables you to comfortably traverse through city roads to get to your office or school, run errands, and get to a destination for leisure. 

However, even with the convenience and freedom brought by owning a vehicle, you can still get stressed and exposed to certain dangers on the road. With this, it is crucial to protect yourself while driving on the road. To do so, you must employ safety precautions and practice defensive driving. 

Furthermore, you can provide yourself and your vehicle extra protection by getting car insurance Philippines. This insurance policy can give you peace of mind when dealing with the financial liabilities of getting involved in an accident, whether minor or major collision incident. It can assist you in paying for vehicle repair costs, property damage repair, medical bills, among other things. 

When purchasing a car insurance policy, you need to determine whether you will only need compulsory third-party liability (CTPL) insurance or comprehensive car insurance. A CTPL insurance policy provides compensation to a third party involved in an accident. This includes coverage for death indemnity, permanent disability, bodily injury, and medical expenses of third parties involved in an accident arising from the use of your vehicle. 

On the other hand, comprehensive car insurance offers more protection for you and your vehicle. It provides coverage for loss, theft, property damage, personal accidents, fire and explosions, accidental collisions, malicious acts by third parties, as well as damages caused by Acts of God (natural disasters). 

Consequently, apart from determining which type of car insurance to get, you will need to decide how much coverage you want and the amount of payable premium you are willing to pay. With this, it is crucial to compare car insurance Ph policies from different insurance providers. Looking and shopping around for insurance policies enables you to get the car insurance plan that has the coverage you need and fits your budget. 

Having a car insurance policy is imperative when driving on the dangerous roads of the Philippines. Here is an infographic from iChoose.ph, which discusses the dangers of driving an uninsured vehicle.