Is there any time requirement for me to file a claim in our CTPL insurance, it's Own Damage 4 months ago.

**louiellopez** · June 25th, 2018 11:39 AM

I accidentally hit the back end of our MPV when I was parking at the SSS public parking. Can I still file a claim regarding such even though it happened 4 months ago. Our CTPL is insured at Mercantile. What should we do? Need your advise, please. Thank you.

**red_one** · June 25th, 2018 09:21 PM

CTPL does not cover damages to your own car. You need comprehensive (full coverage) insurance for that.

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**louiellopez** · June 25th, 2018 11:09 PM

[QUOTE=red_one;2979210]CTPL does not cover damages to your own car. You need comprehensive (full coverage) insurance for that.

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I thought when we said CTPL, we mean our insurance is comprehensive? Sorry, newbie here.

Yes, we do have comprehensive insurance. Its our first ever claim. Going back to my concern, is there is any time period that we should file an own damaged say 4 months ago?

**dr. d** · June 25th, 2018 11:11 PM

[QUOTE=louiellopez;2979241]

Originally Posted by red_one

CTPL does not cover damages to your own car. You need comprehensive (full coverage) insurance for that.

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I thought when we said CTPL, we mean our insurance is comprehensive? Sorry, newbie here.

Yes, we do have comprehensive insurance. Its our first ever claim. Going back to my concern, is there is any time period that we should file an own damaged say 4 months ago?

someone here already said, that their insurance policy specifically states that the claim must be filed no later than xx weeks.
see your policy, po. it might be printed there.
and good luck.

**louiellopez** · June 26th, 2018 12:11 PM

[QUOTE=dr. d;2979242][QUOTE=louiellopez;2979241]

someone here already said, that their insurance policy specifically states that the claim must be filed no later than xx weeks.
see your policy, po. it might be printed there.
and good luck.

Thank you sir for the reply.

There is no specific time period for the claim for OD, but there is one for general accident which is as soon as possible.
I'll coordinate with our insurance agent and ask the same thing. thanks again.

**ice15** · June 26th, 2018 02:37 PM

may police report ka na ba?

I suggest you mentioned that the damage was unattended...

Nag park ka outside and kina-umagahan... may bangga ka na.

**red_one** · June 26th, 2018 02:53 AM

Originally Posted by louiellopez

I thought when we said CTPL, we mean our insurance is comprehensive? Sorry, newbie here.

CTPL = Compulsory Third Party Liability. This is basic requirement by LTO for car registration. You can get CTPL separately. It is different from Comprehensive Insurance.

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**Walter** · June 26th, 2018 10:15 AM

If you are willing, you can just say the accident happened a few days ago ... Since there's no other party involved ... This is assuming your insurance and payments are up to date ... Check if you have Own Damage Insurance ... OD PD BI ETPL ...

**dr. d** · June 26th, 2018 10:17 AM

i think most compre insurance policies cover "self-accidents".

"maam! sabi nyo, last week lang ito.. bakit po ang kapal na ng kalawang..?
at bakit po, sabi ng neighbor ninyo, nung Balentaym pa ito...?""