Claims support
Perla Insurance Claims Guideline
Follow these steps and prepare the requirements below to support the immediate processing and settlement of your claim.
Guideline
- 1
Report the accident to the Claims Department or the nearest Perla Insurance Branch.
- 2
Submit the requirements needed for the immediate processing and settlement of the claim.
- 3
Have the unit inspected by an authorized Perla Insurance claims representative or accredited repair shop. Pictures will be taken during inspection.
- 4
Claim processing turnaround time: see Standard Turnaround Time below.
- 5
Bring the insured unit to an accredited non-CASA repair shop for repairs upon receipt of the Letter of Authority.
List of Requirements
- Insurance Policy Number / Plate Number of Insured Unit
- Photocopy of Registration Certificate and latest Official Receipt (OR)
- Photocopy of Driver's License and OR
- Police Report and/or Driver's Affidavit duly notarized
- Pictures of the damaged unit and repair estimate(s) (if available)
- Other documents that may be required if necessary
Includes Own Damage requirements, plus:
- Photocopy of Registration Certificate and latest Official Receipt (OR) of TP vehicle
- Photocopy of Driver's License and OR of TP vehicle
- Pictures of the damaged TP unit and repair estimate(s)
- Certificate of No Claim issued by TP vehicle insurer
- Other documents that may be required
Includes Own Damage requirements, plus:
- Original Medical Certificate
- Original Hospital Statement of Accounts / Charge Slips / Sales Invoice
- Doctor’s Prescription and Sales Invoice for Purchased Medicines/Apparatus Outside the Hospital
- Original Professional Fee Official Receipt
- Photocopy of Birth Certificate of the 3rd party & Parents' Marriage Contract (in case of death)
- Other documents that may be required
Same as Own Damage requirements, and report the incident to the nearest police station where the theft occurred.
For Carnap, additional requirements:
- Original Complaint Sheet and Alarm Sheet from Highway Patrol Group (HPG), Camp Crame (or Regional Office)
- Original Certificate of No Recovery from HPG, Camp Crame
- Two (2) or Three (3) sets of ignition keys, depending on the insured unit
- Bank certification stating the early payment amount (if mortgaged)
- Certified copy of Sales Invoice from the car dealer
Standard Turnaround Time (TAT)
| Claim Amount | Number of Days |
|---|---|
| ₱15,000 and below | 1 day |
| ₱20,000 – ₱50,000 | 3 days |
| ₱60,000 – ₱100,000 | 5 days |
| Above ₱100,000 up to ₱200,000 | 10 days |
| Above ₱200,000, including Total Loss | 20 – 30 days |
| Theft | 20 days |
| Carnap | 90 days |
Note: TAT starts 24 hours after completion of requirements.
