A notarized affidavit is on the list of prerequisites for a claim that your auto insurance company will give you with. You might be wondering why you need to submit an affidavit for a car insurance claim. Aren’t the pictures I took of the collision and my damaged car sufficient to demonstrate what took place? Where can I find this document?
If you’ve never submitted a car insurance claim before, keep reading to learn more about this crucial step in the claims processing process.
What is a Notarized Affidavit?
Although the definition of a “notarized affidavit” may seem complicated, it is actually rather straightforward. It is a confirmed factual declaration that has been put in writing, signed, and can be used as evidence in any judicial proceeding.
When you have sworn under oath on the veracity of the facts in an affidavit of car insurance claim, you have notarized it and signed it in front of a notary public. The document should also bear the notary public’s signature and seal.
Why Do You Need a Notarized Car Insurance Claim Affidavit?
The majority of car insurance claims, including those for own damage (or self-accident), CTPL (Compulsory Third Party Liability), excess bodily injury, third-party property damage, Acts of God, RSMD (riot, strike, malicious damage, and civil disturbance), and towing reimbursement, all call for the submission of a notarized affidavit.
You convey your version of events in this legal document, which is just a straightforward account of what happened. You can obtain an affidavit of windshield damage for your vehicle, for instance, if your windshield was damaged in an accident.
The police report, which is also necessary for car insurance claims, is typically an option. After an automobile accident, if you’ve already filed a police report, it would be sufficient; you wouldn’t need to obtain and submit an affidavit of car insurance claim.
A notarized affidavit of vehicle damage for insurance purposes can be obtained more quickly and easily than a police report. You may need to return to the police station to obtain the record because sometimes police reports are made public the day after they are filed. Waiting for an affidavit only takes a short while once you obtain one.
In the Philippines, hit-and-run incidents benefit greatly from this. You can obtain an affidavit of damage to the vehicle as a result of hit-and-run now rather than waiting for the police report. If your insurance coverage covers it, you can obtain an affidavit of damage to the car while parked for simpler situations like a parking lot collision.
How to Obtain a Notarized Car Insurance Claim Affidavit in the Philippines
Going directly to a notary public, who already has a template for this kind of paper, is the easiest approach to obtain a notarized affidavit (Alternatively, your car insurance company may provide you with a template for an affidavit). You only need to give the incident’s specifics.
Here are the specifics on how to obtain a notarized motor car insurance claim affidavit:
Gather the Required Information
When composing your affidavit, have the following information on hand for the notary public to ask about:
- License number and date of expiration
- What happened, when, and where was it? (be as detailed as possible).
- Who was operating the vehicle at the time of the event, and who else was riding along?
- Name of the registered owner and the owner of the car
- Car information
▪ Date, brand, and model
▪ (Hatchback, Sedan, Wagon, SUV, AUV, MPV)
▪ Motor number
▪ Car number
▪ Number plate
▪ Number on the Certificate of Registration
▪ Number on LTO Official Receipt
- Describe the nature of any post-incident damage to your car and/or any property owned by third parties.
- Any witnesses to the incident (or lack thereof), including traffic police and/or security personnel
Stop by a notary public
Locate a notary public nearby in a legal office, city or municipal building, or business establishment. Notary public offices are typically found next to banks and government buildings.
Bring a legitimate ID so that the notary public can confirm your identification. Prepare your ID before going to the notary in case they ask to see a copy of it for documentation.
Sign the Affidavit
The notary public will enter the information you supply and, if necessary, pose additional questions. Hold off until your affidavit has been fully prepared by the notary public. Then, sign the document.
Your transaction’s specifics will then be noted in the notary public’s logbook. You will also be asked to countersign the diary entry.
Cover the Notary Fee
The notary will determine how much you should pay for the affidavit. It normally falls between 150 and 500. When you first enter the office, it is essential to inquire about the notarial fee.
Get Your Notarized Car Insurance Claim Affidavit
The notary public will sign and stamp the affidavit after you’ve made your payment. After that, you can immediately give your auto insurance company the notarized document to handle claims.
Example of a Car Insurance Claim Affidavit in the Philippines
Do you prefer to create your own affidavit rather than using the sample provided by the notary public? A copy of your affidavit of vehicle insurance claim is available for download, filling out, and printing.
You will need to take it to a law office to have it notarized. You won’t sign the paper until you are in the presence of a notary public, so please wait.
Once you have your affidavit of vehicle insurance claim that has been notarized, submit it to your provider along with any other necessary documents. Await the auto insurance company’s decision on your claim. Then you can pay the participation fee and get your automobile fixed.