The Enhanced Community Quarantine showed the advantage that car owners had compared to ordinary commuters. Car owners could go out and buy their groceries or go to work without having to walk long distances since no public transport was available. Even after the lockdown, those with cars still have a relatively more comfortable time traveling as other people had to struggle to ride jeeps and buses in Las Piñas. Many people have a hard time since such vehicles can only allow half of their original capacity to ride.
Even though the number of vehicles was reduced during the lockdown, accidents still occurred. Now that the traffic situation is nearly back to normal, more collisions can occur because of irresponsible drivers and other factors. If the car is uninsured or only has the mandatory CTPL, then the car owner will likely suffer heavily when they pay for any damages.
Las Piñas car owners should prioritize getting car insurance Las Piñas to ensure that they’re financially secure should they get caught in an auto accident. Many people remain uninsured because they think that it’s just another expense that they can go without, only to suffer later when they cause an accident or fall victim to one.
Comprehensive car insurance in the Philippines can keep Filipinos in Las Piñas safe from traffic risks as they go through the Alabang-Zapote Road to travel. Many motorists don’t have comprehensive car insurance, but others also lack CTPL, the mandatory insurance that provides third party liability coverage. Car owners need to get insured since they may suffer collisions from irresponsible and uninsured drivers.
Insurance plans aren’t necessarily costly since the car model can significantly influence the insurance cost. Insurers need to be able to pay for the car’s market value. The more expensive the car is, the more expensive the spare parts are, and the more expensive the insurance plan. The vehicle’s reputation among different car owners can also affect the insurance’s cost.
The type of insurance that car owners will get also affect how much people will have to pay to get insured. The basic CTPL insurance is the cheapest one due to its limited coverage. In contrast, comprehensive insurance plans are costlier since they cover liability, third party property damage, personal accident, and Acts of God.
The insurance company that car owners will trust also affects car insurance’s cost. People should first compare insurance policies before getting insured to ensure that they get an affordable plan. To know more about estimating car insurance cost, see this infographic by iChoose.ph.