As the Health Department recently reported 1,113 people were injured in road accidents during the holiday season, Pioneer Insurance emphasized that road safety is not just an individual responsibility, but a shared civic duty that we all shoulder.
Iluminado Garcia, Head of Pioneer Insurance Motors, said, “Being a responsible driver means thinking beyond yourself. Road accidents not only affect vehicles, but also real people. Having a valid CTPL (Compulsory Third Party Liability) ensures that when accidents happen, those affected get the financial protection and support they deserve.”
When accidents occur, Mr. Garcia shared the importance of remaining calm, securing the scene, investigating injuries, calling for emergency assistance, documenting the incident, and collaborating with other parties to ensure appropriate response and accountability.
In addition to these immediate actions, Mr. Garcia said many motorists remain unaware of an important protection already built into vehicle ownership: the CTPL provides up to P200,000 in financial assistance when third parties are injured or killed in an accident.
Although it does not insure the vehicle, the coverage helps cover legal, medical and burial expenses.
Despite its importance, many motorists still view CTPL as merely a Land Transportation Office (LTO) requirement rather than insurance with real benefits.
This has led to widespread issues such as high premium prices, difficulty in filing claims, less concern for the legitimacy of the insurer and proliferation of fake CTPL policies.
Mr Garcia urged motorists to obtain CTPL only from trusted sources to avoid further headaches amid accidents. “Pioneer is a reliable insurer that offers CTPL at the right price and consistently pays legitimate claims, giving motorists confidence that their coverage will respond appropriately if an accident occurs,” he said.
He emphasized that responsible driving goes beyond compliance. “By understanding CTPL, we become more accountable motorists to everyone who shares the road.”
Interested motorists who wish to avail Pioneer's CTPL can do so through Pioneer InsureShop https://insureshop.ph/Where policies are issued instantly and easily.
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