After writing about the basic coverages of your comprehensive insurance, i will now show you the riders that you can include for an additional premium of course.
Auto PA is a personal accident insurance for the passengers and the driver. This rider will take effect once your car is involved in an accident and you and your passengers are injured.Â Personal Accident rider don't have a tariff rate from the insurance commission, but you don't have to worry because its cheap like with Pioneer Insurance they only charge P150 for 100,000 coverage for 5 passengers. Medical Reimbursements of up to 20k pesos per passenger is possible per accident. Some insurance companies like Prudential Guarantee, Standard Insurance and MAA gives this PA rider for free.
AOG or Acts of God is an accident or event resulting from natural causes, without human intervention or agency, and one that could not have been prevented by reasonable foresight or care, e.g., floods, lightning, earthquake, or storms. AOG is normally .5%-.1% of the covered value, for example, if your vehicle's coverage is 1,000,000, your AOG premium is P5,000 or 10,000 before tax. However, AOG coverages will be subject for approval depending on the your address and usage of the vehicle. Although, when you purchase a new car from the casa dealer, they sometimes give it for free.
AOG coverage is very complicated. Not all flood related claims will be paid and not all typhoon related cases will also be paid. It will depend on the verification of the inspection report if its a valid claim or not. If you notice, i separated
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