Being relatively new to The Philippines.....

I apologize if my questions sound inane, but my insurance agent was not helpful.

If you hand over your keys to a carjacker, will usual car insurance stand behind you, or, could/would they take the stand that you willfully "gave" the vehicle up.

Should I have photographs of my vehicle available for insurance purposes, or, are snapshots sufficient?

Thank you.

Ciao!

Uncle Nick.