The copy of earlier insurance policy effectively owns the car until the designated proprietor or driver of the vehicle. There is an app for Apple and the.

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Home Insurance products for motoring enthusiasts who drive imported, modified, classic, veteran or vintage cars. Compulsory third-party liability (CTPL) insurance is a requirement for the annual motor vehicle registration with the Land Transportation Office. The purpose of the CTPL requirement is to protect the general public from the dangers caused by motor vehicles.
A "third party" is any person other than a passenger and also excludes a member of the household, or a member of the family within the second degree of consanguinity or affinity of a motor vehicle owner or his employee in respect of death, bodily injury or damage to property arising out of and in the course of employment. The insurance company will pay the amount necessary (and within the limits of the CTPL policy) to relieve the insured vehicle owner from liability, assuring the third-party victim or his heirs of financial assistance, independent of the financial capacity of the insured vehicle owner.
The use of motor vehicles constitutes an element of danger to persons and property upon the highways. Contrary to popular understanding, a CTPL policy does not cover loss or damage to property of third parties.



Even carefully operated, a car is still a dangerous instrument, but when operated by a careless or incompetent person, it becomes an engine of damage, destruction and death. Although there is a generic CTPL policy, it is important for you to read and familiarize yourself with the fine print of a CTPL policy.
After a vehicular accident, you must do the necessary first aid to the injured, and call the authorities for proper assistance, medical attention and accident investigation. Assuming you are aware of the extent of liability, be honest to yourself and to the other party about the cause of the accident.
If you cannot agree on an amicable settlement, call the police to investigate and document the incident.
You have to take photos to show the location of the cars at the scene of the accident and the extent of damage to the vehicles and property. You need to get a medical certificate stating the extent of injury and the required treatment or medication. A claim on a CTPL policy follows a general standard procedure including documentary requirements, but you must still check with the insurance company for its specific procedure, forms or requirements.
You will need to prepare an affidavit to narrate the circumstances of the incident, the extent of injury or damage, and the expenses for medical treatment and other consequential expenses.


Not all insurance policies will contain the same fine print on limitations as to the use of the motor vehicle and the extent of liability to the public.
An amicable settlement can mean saving each other the expense and inconvenience of a protracted insurance-claim process and a possible court litigation.
The photos must also show the plate numbers of the cars to assist in identifying the respective vehicles. On the other hand, the insurance company will tell you to not simply admit any liability and not offer any settlement because the insurance company wants to make sure it can recover against the other party if proven to be at fault. Preserve the video evidence of the incident from the dashcam of the cars involved--or of the cars passing by, or of a CCTV system, if any.



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