Question & AnswerQ&A (CIRCULAR LETTER NO. 2018-10)
It applies to all Non-Life Insurance Companies offering motor insurance.
It is a document prepared by an authorized person who investigates motor vehicle accidents involving bodily injury or property damage, used to substantiate insurance claims.
Traffic Officers, Personnel, or Constables of the Metro Manila Development Authority or Traffic Bureaus or their equivalent in local government units, who are duly certified by the Land Transportation Office as having completed the necessary training.
The report must contain (a) the date and time of the accident, (b) location details, (c) identifying information of involved parties and witnesses, (d) narrative of the accident including diagrams, photographs and names of investigating officers, (e) attestation of involved parties and the preparer, and (f) other relevant matters.
It is accepted in Metro Manila, Metro Cebu, and Metro Davao where authorized traffic officers exercise their regular duties.
No, it cannot be used for claims arising from fire, explosion, theft, malicious acts, or for death or injury to passengers or third parties under certain provisions of the Insurance Code which require police reports to substantiate claims.
No, insurers may relax their requirements based on sound business judgment but cannot require stricter or more cumbersome requirements than those provided in the Circular.
It took effect immediately upon filing on February 6, 2018.
The powers are vested under Section 437 (d) and (p) of The Insurance Code, as amended by Republic Act No. 10607.