Guidelines on Vehicle Registration after Total Loss Insurance Claims

Only vehicles or components that have been declared Constructive Total Loss by insurance claims are eligible for registration.

The Insurance Commission must submit monthly reports to the LTO Law Enforcement Service on vehicles paid under the Total Loss category.
Reports include vehicle photographs (all sides), number plates, original registration certificates, and latest official receipt of registration fee payment.

The report triggers an alarm in the LTO IT system under Alarm Type aCTL (Constructive Total Loss).
Pending system update, LES encodes vehicle details under Alarm Type aCR (Crime) within two hours of report receipt.
Alarm details are forwarded to the Central Office Operations Division for retrieval of original registration records.

Central Office Operations Division requests certified true copies of all initial registration records from the district office.
Records are evaluated for authenticity and compliance.

Applicant secures a Lifting of Alarm (LOA) form and submits the vehicle for inspection at the nearest District Office or designated Motor Vehicle Inspection Center.
Inspection includes verification of engine and chassis stencils as per Motor Vehicle Inspection Report.
Required documents include proof of ownership, LOA form, alarm screenshot, insurance commission report, motor vehicle clearance from PNP Highway Patrol, and authorization if represented.
Upon evaluation:
- Roadworthy vehicles recommended for alarm lifting.
- If only engine or chassis is restorable, system updates deactivate corresponding alarms, with mandatory duplicate plates issuance.
- Restored chassis or engine can serve as replacement parts.
Recommendations require executive director approval and implementation by the Traffic Adjudication Service.

Registration is processed at the district office nearest the regional office, except NCR where Diliman District Office handles it.
The initial registering district office is furnished with all pertinent records.
Personnel violating the circular are subject to criminal and/or administrative sanctions.