How to avoid common car insurance claim rejections (2026 update): Proven checklist for claims success

It is a fact that car owners opt for car insurance to protect themselves from the financial stress that can result from an accident or other unfortunate event. However, many Filipino car owners have reported frustration after their claims were rejected. But don’t worry; in most cases, rejection is avoidable. All that is needed is for you to understand the common reasons for claim rejection and how to avoid them - knowing this will save you time, money, and stress.

To help you through the process, we have updated our guide, written specifically for Filipino car owners with active policies. Here we have discussed -

• Most common reasons for claim denial
• Documents required for filing a claim
• Critical timelines to follow
• Practical steps to increase chances of approval

Give this guide a thorough read, and by the end, you’ll be nothing but confident about handling a car insurance claim (avoiding all the costly mistakes).

Let’s get started …

Car insurance in the Philippines: Understanding the working

Before understanding how to avoid claim rejection, it is crucial to learn how the claim process works locally.

Typical working of the claim process

When hit by an unfortunate event like an accident, theft, or natural calamity, you need to follow these steps -

Step 1: Immediately report the incident to the provider
Step 2: Inquire and submit the required documents & claim form
Step 3: Co-operate with the adjuster in the investigation
Step 4: Wait for claim approval or rejection

Note that each step is essential and has its own set of rules. Missing even one requirement can result in claim rejection.

Types of car insurance coverage

Knowing what your policy covers helps avoid filing invalid claims. Usually, a car insurance policy includes -

Compulsory Third Party Liability (CTPL): It covers third-party bodily injuries or death involving insured vehicles.
Comprehensive Insurance: It covers theft, damage, acts of nature, and third-party liability.
Add-ons: Optional coverages a car owner chooses based on their requirements. Some popular add-ons include Acts of God, Personal Accident coverage, Roadside Accident, and Loss of Use.

Most claim rejections are due to the specific damage not being covered under the insurance policy.

Also Read: Car insurance FAQs updated for 2026: Essential, practical, and easy guide for drivers

Most common reasons for claim rejection

Only by understanding the reasons for car insurance claim rejection can you master the art of avoiding denial. The table below lists the most common grounds -

Incomplete or incorrect documentation	Top causes of rejection under this reason include - submitting unclear photos, missing forms, and unsigned affidavits.
Late reporting of the incident	Delay in reporting an incident raises red flags for the provider. Most providers require clients to report the matter within 24 to 72 hours after the accident.
Expired or lapsed policy	If your policy has expired, even one day before the accident, your claim will definitely be denied.
Unauthorised driver	If an unauthorised driver (one not listed in the policy) was driving the car at the time of the accident, there is a high likelihood of a claim rejection.
Driving under the influence or illegal acts	If the claim involves a driver driving under the influence of alcohol, drugs, or was caught racing or carrying out illegal activities, it will be denied by the provider.
Misrepresentation or non-disclosure	Incorrect vehicle details or misrepresentation of usage or prior damage can invalidate the insurance claim.

Also Read: New car buyers' guide: What insurance you need in 2026

Essential documents for a successful insurance claim

To avoid claim rejection, it is crucial to gather and submit the required list of documents.

Basic document requirements include -

• Duly accomplished form
• Driver’s license (photocopy)
• Vehicle’s OR/CR
• Insurance copy
• Photos of the damaged vehicle & surroundings
• Police report
• Notarized affidavit

Additional requirement (depending on the case) -

• Repair estimates from accredited shops
• CCTV footage
• Witness statements
• Stolen vehicle report from PNP-HPG
• Natural calamity proof for the Acts of Nature claim

Tip: Submit clear, readable, and complete copies of the documents to avoid delays.

Timeline to follow to avoid claim rejection

Time is everything when it comes to car insurance claims. Elaborating on this point, we have curated critical timelines a policyholder must follow to avoid rejection.

Immediate reporting of the incident	Make sure to notify the insurer as soon as possible after the incident Some providers require policyholders to report the matter within 24 to 72 hours
Document submission deadline	Inquire about the complete list of requirements for claim submission Submit everything within 7 to 15 days Late or incomplete submission may lead to denial
Repair authorization	Never repair the vehicle without your insurer’s approval Unauthorised repair often results in denial

Following the claim timeline strictly is a core step to avoid car insurance claim rejection.

Also Read: How to lower your insurance premium in 2026 (without sacrificing coverage)

Checklist for claim approval

Do you want to maximise your chances of claim approval? If yes, then make sure to follow the checklist below -

Before an unfortunate event (accident)	Ensure your policy is active and updated Save your insurer’s hotline number Know your policy exclusion & coverage
During or immediately after the incident	Ensure everyone’s safety Take photos and videos of the damage and surroundings Do not admit fault on the spot
After the incident	Report the incident within the required time File a police report (if needed) Duly accomplish the claim form
Before claim form submission	Double-check the documents Ensure affidavits are notarised Keep copies of everything

Pitfalls that lead to claim rejection

Here are some common and avoidable pitfalls that lead to claim failure -

Not reading policy terms: Make sure to read the policy fineprint; check for exclusions, deductibles, and coverage limits.
Providing inconsistent information: The details you provide should be the same across all the platforms - reports, affidavit, and forms.
Ignoring follow-ups: It is essential to track your claim status and respond promptly.
Using non-accredited repair shops: Some insurance providers only cover repairs from accredited centres; make sure to confirm your provider’s stance on this.

Also Read: A practical guide to buying car insurance online in 2026: Process, mistakes, tips, & more

Special situations Filipino car owners should watch out for

Flood & typhoon damage: Some policies cover these damages only if the policy includes Acts of Nature coverage.
Hit-and-run incidents: A police report is usually mandatory for such claims.
Accident: Some providers require proof that no third-party damage occurred.

Practical tips to strengthen your claim approval

• Make sure to take photos (clear and multiple) of the accident scene and damage.
• Use Dashcan for evidence
• Keep open communication; be polite and clear with the adjuster
• Get a dashcam for evidence collection

Also Read: EV insurance in 2026: Essential insights, costs, and coverage choices

Bottom line

Car insurance is meant to ease your stress, not add to your burden. It is essential to stay informed, keep documents ready, and always know your coverage. Remember, when an accident happens, your prep makes all the difference. By understanding how to avoid insurance claim rejections, you can easily protect your investment. You see, most claim rejections are easily avoidable with proper preparation, timely action, and honest reporting.

The chance of a smooth, successful claim experience increases if you:

• Respect the timeline
• Follow the documentation checklist
• Avoid common mistakes.

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