Toyota Avanza 2025

✅ Usual Conditions of Comprehensive Car Insurance (What it covers, what it does NOT cover, and the standard requirements.) Comprehensive insurance provides wider protection than TPL. It covers your own vehicle plus third-party damages, depending on your plan. --- 🚗 1. What Comprehensive Insurance Covers Most comprehensive policies include: ✔ Accidental Damage Damage caused by collisions, crashes, sideswipes, etc. ✔ Theft / Carnapping If the vehicle is stolen or parts are stolen (depending on policy). ✔ Fire, Explosion & Self-Ignition ✔ Acts of Nature Flooding, typhoon, earthquake, landslide (if AON is included). ✔ Third Party Liability (TPL) Injury/death of another person Damage to another vehicle/property ✔ Personal Accident (PA) Some policies include PA for driver/passengers. ✔ Optional Add-ons Roadside assistance Replacement vehicle Accessories coverage Riot/strike insurance --- 🚫 2. What Is NOT Covered (Common Exclusions) ❌ Unauthorized driver Driver without license, expired license, or not declared in the policy. ❌ Drunk or drug-influenced driving ❌ Intentional damage Self-damage or intentionally causing an accident. ❌ Mechanical or electrical breakdown Unless caused by an accident. ❌ Wear and tear Old tires, faded paint, worn brakes, etc. ❌ Racing or reckless driving ❌ Overloading ❌ Using the car for TNVS / public transport Without proper insurance endorsement (Grab, Indrive, Maxim, etc.). ❌ Unreported accidents Insurance may deny if not reported promptly. --- 📑 3. Policy Conditions You Must Follow ✔ Immediate accident reporting Notify insurance ASAP. Submit: Police report Photos of damage Driver’s license & OR/CR Claim forms ✔ Only authorized drivers may drive ✔ Don’t repair the car without approval Insurance adjuster must inspect first. ✔ Use only accredited repair shops Unless your policy specifically allows non-accredited shops. --- 💸 4. Deductibles & Participation Fees When you make a claim, you usually pay: 🔹 Deductible Fixed amount (₱2,000–₱5,000 depending on policy). 🔹 Depreciation For older cars, insurance may deduct some value. 🔹 Participation Fee Percentage of repair cost (usually 0.5%–1% of vehicle value). --- ⛑ 5. When Claims May Be Denied Insurance may reject claims if: Driver was drunk Negligence or reckless driving is proven Unauthorized person drove Accident was not reported promptly Vehicle was used for hire without endorsement Fraud or false statements in the claim