Online CTPL for renewal of Vehicle registration

[shadow]

Kausap ko agent ko sa comprehensive, next year daw implementation ng system na yan but na confuse ako kasi sabi nya ganun pa din daw at isama lang ang compulsory sa comprehensive. Anyway, let's see anong mangyari next year.

Ano diffeence ng CTPL sa excess bodily injuries and sa TPL property damage?


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[shadow]

Bakit need pa natin khkung ng extra CTPL eh meron na kasama sa comprehensive insursnce?


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[papi smith]

Better ask LTO, I'm sure millions of people are asking the same thing. [emoji23]

[dr. d]

is it possible that, unlike comprehensive insurance, TPL policy is uploaded online, so's LTO may verify its existence?

coverage-wise, TPL covers only the passengers of the binanggang sasakyan and other persons hurt as a result of the accident, with money limit (100K ?).
people in the "offending" vehicle are not covered.
i believe compre insurance covers for many things, including the requirements for TPL, but that has to be specifically mentioned at the front of the pollicy, to make it easy for LTO to assess.
anyone who has had to read an insurance policy knows just how difficult it is to interpret them.

[papi smith]

It's actually there in the policy, both include TPL, it's just one is compulsory and the other voluntary. They just need to upload a COC equivalent for the VTPL - BI which is usually higher at 200k than the 50k CTPL (or is it 100k now?)

[dr. d]

It's actually there in the policy, both include TPL, it's just one is compulsory and the other voluntary. They just need to upload a COC equivalent for the VTPL - BI which is usually higher at 200k than the 50k CTPL (or is it 100k now?)

mine is 100K.
my comprehensive insurance folks include a half-sheet of paper for the LTO to collect, stating that the CTPL requirements are met. they also upload it in the internet, for confirmation needs.
pinapatanggal ko yung AOG coverage, para makatipid.

[carxynogen]

Kumusta na pala to?
Implemented na ba na if may Comprehensive insurance, no need na TPL?

[DefenseEng]

Has anyone applied for an online CTPL instead of availing the ones near/inside LTO during renewal process? Mas mura kasi at nakalagay ieemail lang policy compare sa mga stalls sa lto which charge 1k+. Kindly share your experience, im looking to avail the online once I renew this year.

This is an interesting thread