What's TPL?

[supercar10]

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.

[nicolodeon]

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.

[supercar10]

so that's what it is! that means it may be under the insurance coverage right?

[nicolodeon]

kung comprehensive ang insurance cover mo, yes - inclusive na TPL coverage.

[Roger0123]

Does it mean po ba when you have paid for the Comprehensive Insurance, hindi ka na dapat singilin pa ng dealer ng TPL?

[maf]

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.

[Retz]

^

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


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[nhiecah_nice29]

^

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.

[wmauhay]

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.

[derf8666]

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.