Know more about BPI/Ms’ Superior Motor Insurance Protection
What is BPI/MS Comprehensive Motor Insurance?
The BPI/MS Comprehensive Motor Insurance comes with an extensive coverage to protect your vehicle from Accidental Collision and Theft, as well as protection from damages caused by Fire, Explosion, Lightning and Self-Ignition and Malicious Damage
While I was driving my car, I accidentally hit a pedestrian. Is liability to other persons covered by BPI/MS Comprehensive Motor Insurance?
Yes! BPI/MS offers two types of coverage to protect from liabilities for injuries caused to other persons:
Compulsory Third Party Liability (CTPL) – This is the basic insurance coverage required by the Land Transportation Office when you register your vehicle. This coverage will answer for the death, disablement and medical expenses of a person injured because of an accident involving your vehicle.
Voluntary Third Party Liability-Bodily Injury (VTPL-BI) – This serves as an additional coverage on top of your basic CTPL, since this will answer for expenses in excess of CTPL’s coverage limit. This is a standard feature of all BPI/MS Comprehensive Motor policies.
What if my vehicle causes damage to another person’s property? Do I have coverage for this?
Don’t worry! BPI/MS offers Voluntary Third Party Liability-Property Damage (VTPL-PD) that provides you with protection in case your vehicle damages other people’s properties. This coverage is also standard to all BPI/MS Comprehensive Motor policies.
Are my vehicle’s passengers covered if they get hurt due to an accident?
Yes! BPI/MS’ Unnamed Passenger Personal Accident (UPPA) is an insurance coverage that will answer for the death, disablement and medical expenses for the driver and passengers of your vehicle in the unfortunate event of an accident. UPPA is optional at a very affordable cost that you may add to your BPI/MS Comprehensive Motor policy.
Do you also cover damages due to Flood, Typhoon or other similar events?
Yes! Natural calamities are inevitable and could cause serious damage to your vehicle. For your added protection, you may request for an additional coverage against Flood, Typhoon, Hurricane, Volcanic Eruption, Earthquake, Strike, Riot and Civil Commotion subject to payment of an additional premium.
Are the car accessories covered?
Yes! BPI/MS Comprehensive Motor Insurance covers all accessories that are standard to your vehicle’s type or unit. If you add any other accessories, please inform us so that we can make arrangements to insure them.
Is towing covered under the BPI/MS Comprehensive Motor Insurance?
Yes! Because BPI/MS Comprehensive Motor Insurance now offers FREE Express Roadside Assistance (ERA) that provides you with emergency assistance on the road, 24 hours a day, 365 days a year to qualified policy holders.
What shall I do if I need to file a claim?
It’s so easy! Just call the BPI/MS Claims Department or any of the BPI/MS branch offices near you and submit your complete claims documents. For your convenience, a BPI/MS Motor Claims Guide will be provided upon issuance of your motor policy. The motor claims guide includes all the necessary information that you need to know in filling your claim.