Things To Know Before Purchasing Acts Of God Car Insurance Coverage Philippines

When you are looking for insurance cover for your car in the Philippines, you need to determine if acts of God coverage is included. You can also purchase acts of God car insurance coverage Philippines separately from your car insurance. Generally, insurance companies user the term “act of God” to refer to any natural disaster that humans cannot foresee or prevent. Examples of things that can be considered acts of God include hurricanes, floods, tsunamis, hail, earthquakes, wildfires and tornadoes. If for example a thunderstorm causes a big tree to topple onto your car parked outside your house, this may be considered an act of God.

Before you go ahead to purchase acts of God car insurance coverage Philippines, you will need to know how much it costs. If you are still in the process of paying for your car loan, or if your car is currently mortgaged, then you definitely need to have acts of God insurance. Otherwise, it is an optional coverage that you can request to be included in your comprehensive car insurance plan. Most insurance companies cover acts of God claims of up to the fair market value of your car. However, if you have a second hand vehicle, the fair market value will be estimated value of your car up to the time that it was assessed.

Another thing you will need to know before purchasing acts of God car insurance coverage Philippines is how to claim the benefits. This coverage helps reimburse repair and replacement costs that were incurred from damages resulting from acts of nature. When making a claim, you will often need to provide the location of your vehicle, when it was damaged as well as your current address. Most insurers will also require to assess your car for the cost of repair in the repair shop or casa that they will choose.

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