{"id":2024883,"date":"2025-01-15T12:44:19","date_gmt":"2025-01-15T04:44:19","guid":{"rendered":"https:\/\/newsinfo.inquirer.net\/?p=2024883"},"modified":"2025-01-15T18:32:38","modified_gmt":"2025-01-15T10:32:38","slug":"make-ctpl-optional-for-motorists-with-broad-insurance-policies-herrera","status":"publish","type":"post","link":"https:\/\/newsinfo.inquirer.net\/2024883\/make-ctpl-optional-for-motorists-with-broad-insurance-policies-herrera","title":{"rendered":"Make CTPL optional for motorists with broad insurance policies \u2013 Herrera"},"content":{"rendered":"<div id=\"attachment_1975891\" style=\"width: 1210px\" class=\"wp-caption alignnone\"><img decoding=\"async\" aria-describedby=\"caption-attachment-1975891\" class=\"wp-image-1975891 size-full\" src=\"https:\/\/newsinfo.inquirer.net\/files\/2024\/08\/Bernadette-Herrera-23aug2024-03.png\" alt=\"Make CTPL optional for motorists with broad insurance policies \u2013 Herrera\" width=\"1200\" height=\"1600\" srcset=\"https:\/\/newsinfo.inquirer.net\/files\/2024\/08\/Bernadette-Herrera-23aug2024-03.png 1200w, https:\/\/newsinfo.inquirer.net\/files\/2024\/08\/Bernadette-Herrera-23aug2024-03-620x827.png 620w, https:\/\/newsinfo.inquirer.net\/files\/2024\/08\/Bernadette-Herrera-23aug2024-03-320x427.png 320w, https:\/\/newsinfo.inquirer.net\/files\/2024\/08\/Bernadette-Herrera-23aug2024-03-768x1024.png 768w, https:\/\/newsinfo.inquirer.net\/files\/2024\/08\/Bernadette-Herrera-23aug2024-03-1152x1536.png 1152w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><p id=\"caption-attachment-1975891\" class=\"wp-caption-text\">Bagong Henerasyon Rep. Bernadette Herrera. (File photo from Rep. Herrera&#8217;s office)<\/p><\/div>\n<p>MANILA, Philippines \u2014 Motorists who have bought comprehensive forms of insurance for their vehicles must no longer be required to pay the compulsory third-party liability (CTPL).<\/p>\n<p>This is the view of Bagong Henerasyon Party-list Rep. Bernadette Herrera.<\/p>\n<p>Herrera, in a statement on Tuesday, said the CTPL \u2014 which costs around P1,200 per year \u2014 is redundant because some car owners have insurance policies that cover bigger incidents than circumstances covered by CTPL.<\/p>\n<p>Availing of a CTPL is required by the Land Transportation Office (LTO) before vehicles\u2019 registrations are renewed.<\/p>\n<p>Herrera\u2019s House Bill (HB) No. 11275, filed on Monday, will make that optional.<\/p>\n<p>\u201cThe intent of this requirement is to assure victims of vehicular accidents immediate financial assistance or indemnity, regardless of the financial capability of the liable operator or owner,&#8221; Herrera said in the bill\u2019s explanatory note.<\/p>\n<p>&#8220;However, the current implementation of CTPL insurance is outdated and insufficient,\u201d she lamented.<\/p>\n<p>\u201cWhile the principle behind requiring CTPL insurance is commendable, its redundancy when paired with comprehensive insurance negates its utility,&#8221; the lawmaker said.<\/p>\n<p>&#8220;Comprehensive insurance alone already fulfills the intent of ensuring accountability and financial security, while also streamlining the registration process and reducing the financial burden on motorists,\u201d she pointed out.<\/p>\n<p><strong>READ: <a href=\"https:\/\/business.inquirer.net\/449973\/ic-doubles-cap-on-vehicular-accident-insurance-claims\">IC doubles cap on vehicular accident insurance claims\u00a0<\/a><\/strong><\/p>\n<p>According to Herrera, the coverage of some CTPLs is only up to P200,000, which she said is \u201coften inadequate to cover the actual costs of damage, medical expenses and other liabilities incurred in vehicular accidents.\u201d<\/p>\n<p>\u201cFurthermore, CTPL claims are rarely filed, as the process is often cumbersome, riddled with bureaucratic red tape, and inaccessible to many victims,\u201d she added.<\/p>\n<p>If HB No. 11275 is signed into law, it will amend different sections of Republic Act No. 10607 or the Amended Insurance Code to include provisions that will make comprehensive insurance policies an additional option for motorists.<\/p>\n<p>Aside from filing the bill, Herrera also delivered a privilege speech on Monday, saying that the insurance, while a small amount to some people, may be used for other purposes.<\/p>\n<p>\u201cFor countless others, it is their lifeline,&#8221; Herrera told fellow House members.<\/p>\n<p>&#8220;The tricycle driver in the province, the jeepney operator in the city, and the delivery truck owner trying to meet deadlines all rely on their vehicles to put food on the table, send their children to school, and provide for their families,&#8221; she said.<\/p>\n<p>&#8220;Yet, every year, they are burdened with registration requirements that cost not only time but also hard-earned money,\u201d she stressed.<\/p>\n<p>\u201cThese are the mothers who drive their children to school, the fathers who work late into the night to make ends meet, the young workers who juggle multiple jobs, and the public utility vehicle drivers who endure long hours just to bring home enough for the day,\u201d she added.<\/p>\n<p><strong>READ: <a href=\"https:\/\/newsinfo.inquirer.net\/1789939\/higher-3rd-party-liability-insurance-sought\">Higher third-party liability insurance sought\u00a0<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>MANILA, Philippines \u2014 Motorists who have bought comprehensive forms of insurance for their vehicles must no longer be required to pay the compulsory third-party liability (CTPL). This is the view of Bagong Henerasyon Party-list Rep. Bernadette Herrera. Herrera, in a statement on Tuesday, said the CTPL \u2014 which costs around P1,200 per year \u2014 is [&hellip;]<\/p>\n","protected":false},"author":1544,"featured_media":1975891,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[34,45],"tags":[342,4381],"byline":[224722],"source":[206075],"column":[],"editor":[820286],"videographer":[],"position":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Make CTPL optional for motorists with insurance policies \u2013 Herrera<\/title>\n<meta name=\"description\" content=\"Motorists who have bought comprehensive forms of insurance for their vehicles must no longer be required to pay the CTPL insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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