What's TPL?

[derf8666]

Bro Tigasin,

Malamang ang iyong sasakyan ay isang SUV..

May mga category kasi ang mga sasakyan at magkaiba ang mga rates or premium nila. Eto ang halimbawa ng mga category natin..

PRIVATE: Mga kotse, sedan tulad ng city, civic, vios, altis, sentra, lancer, etc.. Mas mataas ang rate pero mas mababa ang deductible or participation.

COMMERCIAL/Medium to heavy: Trucks, pick-ups.

Tanong mo, saan ang mga SUV? Well, parang mestizo kasi ang SUV. Minsan pinapasok sa Private, minsan naman sa commercial. Pero kalimitan ay sa commercial/light pinapasok yun unless nirequest yan ng Insured.

[abet_ramz]

Wow! Thanks for this info about TPL guys, mas na enlighten ako regarding what I'm paying for this stuff kada pa-rehistro ako ng ride ko. Kala ko dati once paid na yung comprehensive insurance oks na

[rj_tim]

Guys, here's my case. We got involved in a minor accident with another vehicle. No major damages, just scratches and dents on both vehicles. Sinubmit na namin sa insurance namin (BPI/MS) yung lahat ng requirements para ma-process yung pagpapaayos dun sa other vehicle. Question: covered ba yung pagpapaayos sa other vehicle ng TPL? May participation ba na dapat naming bayaran?

[derf8666]

It's not covered by the ordinary CTPL but its covered if you have a comprehensive coverage with VTPL. You dont pay any participation for the repair of the 3rd party vehicle, but you need to pay the participation for the repair of your own vehicle..

[mark_t]

Guys, here's my case. We got involved in a minor accident with another vehicle. No major damages, just scratches and dents on both vehicles. Sinubmit na namin sa insurance namin (BPI/MS) yung lahat ng requirements para ma-process yung pagpapaayos dun sa other vehicle. Question: covered ba yung pagpapaayos sa other vehicle ng TPL? May participation ba na dapat naming bayaran?

1. Yes your TPL covers the repair of the other car up to policy limits.

2. Yes, your participation will be 2000 pesos for PC or 3000 for CV.

[aiz]

1. Wala kang kopya ng ctpl kasi nawala. It happens. So you call the dealer what insurance co. they used for the ctpl and request for a reprint of the policy. It is not a problem really.

2. To correct the details on your OR/CR you have 2 options.
a) do it yourself by going to the LTO for the necessary process.
b) pay a car registration assistance provider to do it for you.

boss mark_t, san po kita pwede ma-contact? ang galing mo sa non-life gusto ko sana mag-try mag-agent from scratch nga lang tia.

[bon21stalker]

Mga sir may question lang ako, nawawala kasi yung CTPL namin, namisplaced ng father ko at di na namin makita, makakakuha pa ba kami ng copy nun? ibang tao kasi yung nagprocess nun kaya di ko sure kung sang insurance kinuha, pero last July 2011 lang naman nagparehistro father ko sa LTO Muntinlupa.

[Retz]

Mga sir may question lang ako, nawawala kasi yung CTPL namin, namisplaced ng father ko at di na namin makita, makakakuha pa ba kami ng copy nun? ibang tao kasi yung nagprocess nun kaya di ko sure kung sang insurance kinuha, pero last July 2011 lang naman nagparehistro father ko sa LTO Muntinlupa.

Do you still recall the name of the insurance company for your CTPL?

[bon21stalker]

Do you still recall the name of the insurance company for your CTPL?

Hindi na sir e.

[Retz]

Hindi na sir e.

sino ang ibang tao nag process nun? he should know.

[bon21stalker]

sino ang ibang tao nag process nun? he should know.

kakilala lang sa LTO e, pero try din naming itanong kung maaalala pa. Makakakuha kaya ng copy ulit nun sir?

[Retz]

kakilala lang sa LTO e, pero try din naming itanong kung maaalala pa. Makakakuha kaya ng copy ulit nun sir?

may duplicate copy ung insurance company nyan.

[bon21stalker]

may duplicate copy ung insurance company nyan.

Ok sir, thank you sa pagtulong!

[Retz]

Ok sir, thank you sa pagtulong!

anytime bro.

[monterick]

Good day mga ka monty! ask ko lang sana na kung ctpl ng bagong biling sasakyan ay good for three years na rin gaya ng registration. My sales agent asked me to pay 1,800.00 for ctpl or tpl (di ko alam kung alin dun) separate from the comprehensive insurance premium i paid.

Second, i didnt get any separate policy for the 1,800.00 i paid for.

Next month my comprehensive insurance will expire...

thanks in advance

[_Qwerty_]

yung TPL for brand new cars eh dapat 3 years din.. mag re renew ka na lang ulit nang TPL pag nagrenew ka na nang registration after 3 years.

Good day mga ka monty! ask ko lang sana na kung ctpl ng bagong biling sasakyan ay good for three years na rin gaya ng registration. My sales agent asked me to pay 1,800.00 for ctpl or tpl (di ko alam kung alin dun) separate from the comprehensive insurance premium i paid.

Second, i didnt get any separate policy for the 1,800.00 i paid for.

Next month my comprehensive insurance will expire...

thanks in advance

[dlare9]

first time to own a car, so baka very newb ang tanong na ito.

by default ba kung 3 years ang registration ng car mo, dapat mayroon na rin syang ctpl na 3 years din ang term?

in process kasi ako ng pag rerenew ng car insurance ko, tapos napansin kong may isa pang 'extra' policy ang nakasuksuk sa loob ng envelop (guilty ako sa di pagbasa ng mag docs na binibigay sa amin ng banko).
Dun ko lang napansin na yun 'extra' policy papers na yun ay para pala sa CTPL. Kaya pala walang cptl sa mga items ng car insurance ko.

Ngaun medjo nalilito ako, nadaya ba ako ng banko or hindi?

as of writing di ko pa natatawagan ang SA ko, i-coconfirm ko lng sana kung may CTPL yun kotse namin for 3 years.

[Retz]

^

see sir qwerty answer in your above sir.

[nhiecah_nice29]

Hi mga Sir,

For those who would be getting CTPL/ TPL, for your reference:

Motorcycle or Tricycle - P 250.00/year
Private Vehicle (Sedan, SUV, AUV, XUV) - P 560.00/year
Public Utility Vehicle (Taxi, Bus, Jeep) - P 1000.00/year
Trucks (Elf, Cargo, Dump trucks) - P 1200.00/year
Tourist Bus - P 1400.00/year

Hope this help, may God bless us all!

[povillo]

Hi mga Sir,

For those who would be getting CTPL/ TPL, for your reference:

Motorcycle or Tricycle - P 250.00/year
Private Vehicle (Sedan, SUV, AUV, XUV) - P 560.00/year
Public Utility Vehicle (Taxi, Bus, Jeep) - P 1000.00/year
Trucks (Elf, Cargo, Dump trucks) - P 1200.00/year
Tourist Bus - P 1400.00/year

Hope this help, may God bless us all!

I will register my AUV next month, Ask ko lang if yung VTPL is same as TPL as required ng LTO for registration and it cost me P1000 last year. If they are both the same, di na ba ako need to get another TPL? Thanks