Mitsubishi MIRAGE G4 CVT •2026

The most common setup for a sedan is a **Comprehensive Policy**, which includes several layers of protection and specific operational requirements. ### ## 1. Key Coverage Sections * **Own Damage (OD) / Theft:** Covers the cost of repairs for your sedan due to accidental collision, overturning, fire, or theft of the unit/parts. * **Compulsory Third Party Liability (CTPL):** The basic requirement for LTO registration, covering death or bodily injury to third parties. * **Voluntary Third Party Liability (VTPL):** Provides additional funds if your sedan causes damage to someone else’s property or further bodily injury beyond the CTPL limits. * **Auto Personal Accident (Auto PA):** Covers the driver and passengers of the sedan for medical expenses or loss of life resulting from a vehicular accident. * **Acts of Nature (AON):** *Optional but recommended.* Covers damages from floods, typhoons, earthquakes, and volcanic eruptions—crucial for sedans due to their lower ground clearance. ### ## 2. Standard Conditions & Exclusions To keep the policy valid, several conditions must be met: * **Driver Eligibility:** The person driving the sedan must have a **valid driver’s license** and must not be under the influence of alcohol or prohibited drugs. * **Use of Vehicle:** The sedan must be used for **private/personal use** only. Using a private-insured sedan for ride-sharing (like Grab) or commercial rental without a specific endorsement usually voids the claim. * **Maintenance:** You are required to take "reasonable steps" to safeguard the vehicle and keep it in an efficient (roadworthy) condition. * **Geographic Limit:** Coverage is typically restricted to the Republic of the Philippines. ### ## 3. PGAI "Auto Insurance Program" Perks Prudential Guarantee often includes several free value-added services for privately-owned sedans: * **24/7 Roadside Assistance:** This covers minor on-site repairs (battery boosting, tire changes, fuel delivery). * **Emergency Towing:** Nationwide towing service to the nearest repair facility in case of breakdown or accident. *Alternative Transport/Accommodation:** If an accident happens far from home (typically outside Metro Manila/Rizal) and the car cannot be repaired immediately, they may provide an alternative vehicle or hotel stay. 4. Common Document Requirements for Claims If you need to file a claim for your unit, you will typically need: 1. **Police Report** or a **Duly Notarized Affidavit** (explaining how the accident happened). 2. Photocopy of the **Driver’s License** (with Official Receipt). 3. Photocopy of the **Vehicle Registration (OR/CR)**. 4. Clear **photos of the damage** (including the license plate). 5. **Repair Estimate** from an accredited shop. > [!IMPORTANT] > Always check your specific **Policy Schedule** for the "Deductible" or "Participation Fee." This is the fixed amount (usually a few thousand pesos) that you must pay out-of-pocket for every claim before the insurance covers the rest.