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  1. supercar10
    supercar10 is offline Verified Tsikot Member
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    September 1st, 2009 11:10 PM #1
    can someone explain to me what TPL is? I jus bought a new car and it comes with free 3yrs LTO, buh I have to pay TPL P1800 daw.
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  2. nicolodeon's Avatar
    nicolodeon
    nicolodeon is offline Chinese Mafia Don
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    September 2nd, 2009 09:19 AM #2
    TPL = third party liability. Useful if you got into an accident where you hit a person. So for example, may nabangga ka tao tapos pinaospital mo at ikaw nagbayad. You can use the TPL claim to reimburse yung expenses mo pa-gamot dun sa tao. Say TPL coverage mo is 50K tapos ang nagastos mo sa pagamot dun sa tao is 15K so 15K lang ma-reimburse mo, hindi mo makuha buo 50K.

    Common misconception is that TPL can be used for non-life claims e.g. nakabangga ka sasakyan tapos nasira yung bumper.
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  3. supercar10
    supercar10 is offline Verified Tsikot Member
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    September 2nd, 2009 06:09 PM #3
    so that's what it is! that means it may be under the insurance coverage right?
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  4. nicolodeon's Avatar
    nicolodeon
    nicolodeon is offline Chinese Mafia Don
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    September 2nd, 2009 06:59 PM #4
    kung comprehensive ang insurance cover mo, yes - inclusive na TPL coverage.
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  5. Roger0123
    Roger0123 is offline Verified Tsikot Member
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    September 2nd, 2009 09:22 PM #5
    Does it mean po ba when you have paid for the Comprehensive Insurance, hindi ka na dapat singilin pa ng dealer ng TPL?
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    maf
    maf is offline Verified Tsikot Member
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    September 3rd, 2009 08:58 AM #6
    Quote Originally Posted by Roger0123 View Post
    Does it mean po ba when you have paid for the Comprehensive Insurance, hindi ka na dapat singilin pa ng dealer ng TPL?

    It depends, whether the premium you paid for includes the tpl or not. You should check your insurance policy on what your coverage inclusions are.

    When I got my policy kasi my TPL is in a separate folder from the OD/Theft, etc. although they came from the same insurance company. The computation for the premiums are separate.
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  7. Retz's Avatar
    Retz
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    February 7th, 2014 12:37 AM #7
    ^

    Aside from car insurance, pwede rin ba ipalakad sa inyo car registration?


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  8. nhiecah_nice29's Avatar
    nhiecah_nice29
    nhiecah_nice29 is offline Verified Tsikot Member
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    February 7th, 2014 11:55 AM #8
    Quote Originally Posted by Retz View Post
    ^

    Aside from car insurance, pwede rin ba ipalakad sa inyo car registration?


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    Sorry Sir, hindi po eh. For issuance lang po kami ng CTPL.
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  9. wmauhay
    wmauhay is offline Tsikot Member
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    November 29th, 2014 04:44 AM #9
    I lost my TPL and i am planning to sell my car. Can I again apply for TPL. May car is due for registration on april 2015.
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  10. derf8666
    derf8666 is offline Verified Tsikot Member
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    February 1st, 2015 11:32 PM #10
    Quote Originally Posted by wmauhay View Post
    I lost my TPL and i am planning to sell my car. Can I again apply for TPL. May car is due for registration on april 2015.
    No need to get another one. You can just ask for a copy from your insurer.
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