How do I claim the CTPL 'no-fault' indemnity after an accident?
Last updated: 2026-07-11 · Educational content; not legal advice.
Short answer
The no-fault indemnity lets a third party injured or killed in a motor accident recover a fixed amount from the insurer without first proving who was at fault, under the Compulsory Motor Vehicle Liability Insurance provisions of RA 10607 (the Amended Insurance Code). You claim it against the insurer of the vehicle you were riding in or the one that hit you (the rules specify which insurer to approach first), by presenting proof of the accident and of the death or injury — typically a police report, and a death certificate or medical records/receipts. The statutory no-fault indemnity is capped at ₱15,000 per person; the exact current schedule of amounts and requirements is set by the Insurance Commission, so confirm the prevailing figures with the IC or the insurer.
The no-fault indemnity is deliberately fast and modest — it is emergency relief, not the full value of a serious injury or a life. Claiming it does not bar the claimant from pursuing the ordinary liability claim (which does require proving fault) for the balance above the no-fault amount. Because the peso amounts and the precise documentary requirements can be updated by IC circular over time, do not rely on a figure you saw years ago: ask the insurer for its current no-fault claim form and requirements, and cross-check against the Insurance Commission. File promptly and keep copies of every document you submit.
Primary sources
Frequently asked
Which insurer do I claim from?
The no-fault scheme directs the claimant to a specific insurer first — generally, a passenger claims against the insurer of the vehicle they were riding in, and a pedestrian or third party against the insurer of the vehicle that struck them. Bring proof of the accident (police report) and proof of the death or injury (death certificate or medical records and receipts). The insurer must process the no-fault claim without you having to prove fault.
How much is the no-fault indemnity?
The statutory no-fault indemnity under the CMVLI provisions is up to ₱15,000 per person for death or bodily injury. Because the Insurance Commission can adjust schedules by circular, treat that as the baseline and confirm the amount in force at the time of your accident with the insurer or the IC — do not assume a higher figure without verifying it.
Can I still sue for more than the no-fault amount?
Yes. The no-fault indemnity is a floor for quick relief, not a ceiling on liability. A claimant who takes the no-fault payment can still pursue the ordinary third-party liability claim — which does require establishing fault — for damages beyond the no-fault amount.
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Your rights as a policyholder or HMO member — what to do when an insurance claim is denied or delayed, how long an insurer has to pay a valid claim and the interest it owes for unreasonable delay (RA 10607, the Amended Insurance Code), the 2-year incontestability clause on life policies, HMO coverage and pre-existing-condition denials (now regulated by the Insurance Commission under EO 192 s.2015), what CTPL motor insurance covers and the no-fault indemnity, premium grace periods and lapsed policies, cash surrender value when you cancel, and how to file a complaint with the Insurance Commission.