Are Passengers Covered by Car Insurance

Car insurance in the Philippines is essential for every vehicle owner, but many drivers wonder—are passengers covered by car insurance? Whether you're driving with family, friends, or passengers as part of a ride-sharing service, understanding your car insurance coverage is crucial. Let’s explore how insurance policies protect passengers in case of accidents.

Does Car Insurance Cover Passengers?

Yes, but coverage depends on the type of car insurance policy you have. In the Philippines, here are the key insurance policies that may provide protection for your passengers:

1. Compulsory Third-Party Liability (CTPL) Insurance

• CTPL insurance is mandatory for all vehicles registered with the Land Transportation Office (LTO).
• It covers bodily injury or death of third parties, which includes passengers, pedestrians, and other individuals involved in an accident.
• However, CTPL does not cover the driver or damages to the vehicle.

2. Comprehensive Car Insurance with Passenger Personal Accident Insurance (PAI)

• Unlike CTPL, comprehensive car insurance provides broader protection, including passenger accident coverage.
• Many policies offer Personal Accident Insurance (PAI) for passengers, covering:
  Medical expenses due to injuries from an accident.
  Disability benefits if a passenger suffers permanent injuries.
  Accidental death benefits for affected passengers.
• This coverage ensures that passengers receive financial support in case of unexpected accidents.

3. Passenger Liability Insurance (For Public Transport & TNVS Drivers)

• If you use your car for ride-sharing services (e.g., Grab, Angkas, JoyRide) or public transportation, standard personal insurance may not cover passengers.
• You need a commercial vehicle insurance policy with Passenger Liability Insurance to provide proper coverage.
• This protects passengers from financial burdens due to medical costs or injury claims.

4. Auto Passenger Accident Insurance (Optional Add-On)

• Some insurers offer additional coverage specifically for passenger protection.
• This includes:
  Hospital expenses for injuries sustained in an accident.
  Compensation for disabilities caused by the accident.
  Death benefits for passengers.
• If you regularly drive with multiple passengers, this add-on is highly recommended.

Why Passenger Coverage is Important

Ensures financial protection—covers medical expenses or compensation for injuries.
Compliance with legal requirements—CTPL is mandatory in the Philippines.
Peace of mind: knowing your passengers are covered allows you to drive confidently.

Secure Your Passengers with Vigattin Insurance

At Vigattin Insurance, we offer comprehensive car insurance that protects you and your passengers on the road. Whether you're a private vehicle owner or a ride-sharing driver, we have the right insurance policy for your needs.

Get a FREE quote today! Visit Vigattin Insurance and drive with confidence knowing your passengers are protected