Things To About LOA Insurance
                     THINGS TO ABOUT 
LOA INSURANCE
Things To About LOA Insurance
◦LOA insurance, or Letter of Authority insurance, is very important when you 
are claiming on a car insurance policy in the Philippines. You need to prepare 
your claims documents. It is imperative that you complete the checklist before 
you go ahead to submit it to the broker/agent or the insurance company. You 
should not make the mistake of submitting documents because that can lead to 
delays. The following are some of the important documents that you should 
prepare in order to make the claims process easier and smooth.
Things To About LOA Insurance
◦You are supposed to have photocopies of the relevant documents.  These 
includes the insurance policy together with its official receipt, vehicle OR and 
CR and driver’s license.  You are also supposed to have a police report, but in 
case you do not have one you can get an affidavit of the accident.  Both the 
police report and the affidavit of the accident must be notarized. Other 
important documents that you must prepare include the photos of the vehicle 
insured and a repair estimate. 
Things To About LOA Insurance
◦Once the required documents have been submitted, a good claims adjuster 
from a reputable company can settle your claim in a period of 1 to 3 days. 
However, remember that the duration of the settlement process can vary 
depending on the complexity of your claim. There are some claims that can 
take weeks, or even months, to settle. 
Things To About LOA Insurance
◦In third party related claims, a certificate of no claim is needed.  Once the 
Letter of Authority is released, you can go ahead and take your vehicle to a 
dealer or auto repair shop for the work to begin. There are some claims that 
can be settled in cash, where the insurance will pay you in cash without your 
deductible or participation.
Things To About LOA Insurance
◦For more information on LOA insurance, visit our website at 
https://ichoose.ph/blogs/claim-car-insurance-policy/