Raising Awareness – What is the Anti-Drunk and Drugged Driving Act of 2013?

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When an individual is under the influence of alcohol and prohibited drugs, it can impair driving ability which can slow coordination, reaction time, and even judgment, leading to severe accidents. There are many reasons to avoid getting behind the wheel while drunk or under the influence of drugs aside from the apparent risk. As a car owner, you should know that it is against the law.     What is Republic…

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Common Car Insurance Terminologies You Need to Know

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A car insurance policy is a contract that has specific terms and conditions. When you avail of car insurance, the insurance company will provide you with policy wording, which details every information about the insurance policy. As a vehicle owner, you must understand the insurance policy to avoid confusion and other problems when making a claim. Generally, the policy wording includes the insurance cover, exclusions, claim settlement. It also contains…

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What You Need to Know About LTO’s 10-Year Driver’s License

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Motorists are required to get a driver’s license before driving on private and public roads. A license is an authority granted by the Land Transportation Office (LTO) to a person to operate a motor vehicle. Essentially, this is issued to an individual who has met the license qualifications set by the agency, which include passing an automated theoretical examination and practical driving course. Driver’s licenses, similar to other identification cards,…

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Holiday Travels – Why is Getting Insured Important?

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Finally, it is time for your holiday travels; your bags are packed, your transportation is set, you have booked accommodation, and other travel essentials are prepared. You think you are ready to go but traveling comes with many risks, and anything might happen during your trip. One of the most important things you need as a traveler is travel insurance in the Philippines. Read on to know why getting insured…

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Fire Safety Tips for Christmas

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Christmas is the most valued holiday in the Philippines. From September, many households are already adorning their homes with various decorations, from Christmas trees, dangling garlands, Christmas lights, to even candles inside to feel the spirit of the festive season. However, seasonal decors can be dangerous if placed near a potentially hazardous item or if not correctly put up. Here are some tips to ensure a safe and bright Christmas…

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Car Insurance Participation Fee: Deductible and Depreciation Rate Explained

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If you have a car insurance PH, it means that you are entitled to protection against covered losses in case of a vehicular accident. However, if you need to file an insurance claim, your insurer might ask you for a participation fee and might wonder what it is for. Accordingly, deductible and depreciation rates might be a confusing topic for many. If you do not have an idea about them,…

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Everything You Need to Know About Insurance Claims

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The concept of insurance is to provide financial protection from unforeseen events that might cause loss or damage. The premium, which is the agreed price that the insured has to pay is accumulated in a pool from which the insurer is entitled to use for obtaining payment for claims. Policyholders may choose what type of option they prefer when paying for insurance premiums depending on their insurance provider. Some of…

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What’s Going on with Insuring Vehicles with Assumed Mortgage Arrangements

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When people purchase their vehicles, they often have two payment methods to do so. They can buy their cars with cash upfront, saving them from paying interest and financing costs. On the other hand, car buyers can also purchase their vehicles via a car loan. This option allows them to acquire a car without being burdened by spending a huge amount of money in one go. Spreading the payment for…

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Car Claims: What Car Accessories are Covered by Your Insurance

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For car owners, their vehicle is one of their most prized possession. They take pride in showing off their ride by adding non-standard accessories (accessories that were not included in the vehicle when purchased) that match their style and needs and reflect their personality. All of which can either improve performance and/or make the car more appealing. Such accessories are pretty expensive, which heightens the need for them to ensure…

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Checklist Before Going on Your First Lockdown Road Trip

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More than a year after the COVID-19 pandemic broke out, the Philippines is still implementing quarantine protocols and other restrictions to limit the spread of the virus. Currently, the government has downgraded their COVID-19-related protocols, enabling Filipinos to do certain activities, such as going on road trips and visiting destinations. If you are planning to go on your first road trip during the pandemic, there are various things that you…

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