Comprehensive Insurance Clarification

**mark_t** · April 26th, 2008 03:50 PM

Anybody who was authorized by the owner to drive his car is an authorized
driver, provided he/she has a valid drivers license.

**[archie]** · April 26th, 2008 04:25 PM

tama tama, nakalagay sa policy yan, its the owner and anyone that is authorized by the owner.

**raizen** · April 27th, 2008 02:34 PM

i see, thanks for the clarification. So basta pla authorized, or permitted ng owner ung nagdrive ng car, pasok as authorized driver sa insurance. thanks!

**mark_t** · April 28th, 2008 12:24 AM

Yes, only the owner has that right.

**Innova_Boy** · April 28th, 2008 03:13 PM

so how about in case of carjacking, so Non-authorize driver yun, then binanga at na recover yun but heavliy damage sa bangga yung car, Pede pa claim sa insurance or Not covered na....

WBR,

**mark_t** · April 28th, 2008 08:36 PM

In carjacking that will be covered by your theft cover and all damages incurred.

**D'LINKServicer** · April 29th, 2008 02:28 PM

Originally Posted by raizen

Hi D'LinkServicer,

in relation to your suggestion, how many authorized driver can be given? Is this applicable only if the owner is out of the country, or applicable to all insurance policy. Is there any restriction in selection of authorized driver?

thanks!

Hi Raizen! It depends how many authorized driver/s the car owner intends to declare -in his/her request letter addressed to the insurance company & the declaration in his/her power-of-attorney. There is no stated limit, pero syempre Sir, 'pag sobrang dami (example more than 5 or 10 drivers) the insurance company may clarify such instance with the car owner.

**D'LINKServicer** · April 29th, 2008 02:37 PM

Originally Posted by Innova_Boy

so how about in case of carjacking, so Non-authorize driver yun, then binanga at na recover yun but heavliy damage sa bangga yung car, Pede pa claim sa insurance or Not covered na....

WBR,

Hi Innova_Boy! Sir, sa OD/Theft Cover na po bale papasok ang insurance in case ang nature ng claim is carjacking. In case naman po na na-recover yung car, kasama na po sa pag-e-evaluate ng claims nyo yung mga na-incur na damage/s kung meron man.

**arnielbenz** · March 13th, 2009 11:50 PM

Originally Posted by mark_t

So long as the driver of your car has a valid drivers license, authorised to drive the car and not DUI driving under the influence. Your insurable interest
will be covered and there will be no need for an SPA.

And for your peace of mind you can have your being outside the country
endorsed on your policy. You can appoint a relative to be your representative
in the event of a claim.

Sir Mark_T kung CTPL ba at hindi compre covered parin and there will no need for an SPA?

**mark_t** · March 15th, 2009 12:26 AM

Originally Posted by arnielbenz

Sir Mark_T kung CTPL ba at hindi compre covered parin and there will no need for an SPA?

Who told you that you need a SPA? If you are out of the country better
get yourself a TPL aside from your CTPL, you will still be liable for damages
or injuries that involves your car.

Why dont you just appoint a representative and have it endorsed in your
policy?