Definition of Traffic Accident Investigation Report
- A document prepared by an Authorized Person investigating motor vehicle accidents.
- Investigations pertain to cases involving bodily injury or property loss/damage.
- Serves as an alternative to Police Reports to substantiate insurance claims.
Required Contents of the Traffic Accident Investigation Report
- Precise time and date of the accident.
- Detailed location information.
- Identifying details of all involved parties and witnesses, including personal data and insurance information.
- Narrative of accident facts, a scene diagram, identification of any traffic violations.
- Photographic evidence and CCTV footages if available.
- Identification details of the investigating officer (name, agency, ID number).
- Attestations by involved parties and the report preparer.
- Other relevant information necessary for evaluation.
Authorized Persons to Prepare Reports
- Traffic officers, personnel, or constables from MMDA, local government traffic bureaus, or equivalent agencies.
- These individuals must be certified by the Land Transportation Office (LTO).
- Certification requires passing prescribed courses on Traffic Accident Investigation Reporting.
Applicability and Limitations
- Applicable as an alternative to Police Reports specifically in Metro Manila, Metro Cebu, and Metro Davao.
- Limited to accidents involving bodily injury or property damage from motor vehicle operation in public roads.
- Not applicable for claims due to fire, explosion, theft, malicious acts, or situations requiring no-fault claims (as per Section 391 of Insurance Code).
- Claims under no-fault provisions are paid without proving fault and still require Police Reports.
- Non-life insurance companies may relax claim requirements but cannot impose stricter or more cumbersome conditions.
Effectivity
- The Circular took effect immediately upon filing (February 6, 2018).
- Enforcement for strict compliance is mandated.
Summary of Use in Claims Processing
- Recognizes Traffic Accident Investigation Report (TAIR) as a legitimate alternative to Police Report in the processing of motor insurance claims within specified metropolitan areas.
- Clarifies claim categories eligible for TAIR use, including Third Party Liability (TPL), Loss and Damage, Carnapping, and Extended Third Party coverages.
- Reinforces the discretion of insurance companies to adjust claim substantiation requirements in line with sound business judgment but prohibits making requirements stricter or more burdensome.