Philippine Car Owner's Guide

Elevesuites Homestay @Grass Residences

noreply@blogger.com (Miriam Barredo) — Fri, 23 Jan 2026 11:51:00 +0000

OPEN FOR BOOKING FEB 02-11, MAR 23-25, 2026 then MMAR 39, 2026 ONWARDS

Eleve Suites is your cozy home in the sky!

🌿 This thoughtfully designed unit combines comfort, function, and style.

🛏️ 2 Bedrooms – one with a queen bed, the other spaces with a full size bed, single bed and sofa bed (fits up to 5 guests)

🛋️ Cozy living area with smart TV and air conditioning

🍳 Fully equipped kitchen with refrigerator, microwave, induction stove, rice cooker, and utensils, Coffee/Tea Nook

🚿 Clean, modern bathroom with water heater, toiletries

🌅 Private balcony with sunrise and amenity views

🌇 Corner windows facing Manila Bay and the city skyline

⚡ Fast & reliable Wi-Fi (perfect for remote work)

💦 Guests have access (a minimal fee for staycationers, free for short-term stays of 28 nights up) to all Grass Residences amenities:

♡Resort-style swimming pools

♡Fitness gyms, Basketball & ♡badminton court

♡children's playground

♡kiosks and garden

▧Direct access to SM North EDSA and Trinoma via a link bridge

▧24/7 Security

📍 Location Highlights

🏙️ Prime QC spot!

◈2–3 mins walk to SM North EDSA and Trinoma

◈Near MRT North Station and public transport terminals

◈Surrounded by restaurants, cafés, and convenience stores

◈Easy access to Quezon Memorial Circle, UP Diliman, and major hospitals

🌸 Ideal For

👨‍👩‍👧 Families of up to 5 guests

👔 Business travelers needing fast internet and peaceful workspace

🌇 Staycationers who love great city and sunrise views

🌿 Anyone seeking a cozy, convenient, and relaxing space in the heart of Quezon City

We accept short-term lease.

Book us at https://airbnb.com/h/elevesuites

Another Holdupper Modus

noreply@blogger.com (Miriam Barredo) — Mon, 05 May 2025 12:29:00 +0000

Please watch this video for your awareness and safety

A Hold

eupper Modus

Steps to do after full payment of your Auto loan - Updated

noreply@blogger.com (Miriam Barredo) — Sat, 28 Sep 2024 01:08:00 +0000

Buying a brand new car through financing is easy because there will always be a bank, an automotive dealer or an automotive sales executive who will assist you in this process.

Likewise, during this Pandemic time when most company employees Work From Home. Read this article before you go to the bank. Be prepared.

Here are the steps to do after full payment of your "AUTO LOAN"

1) Release of Chattel Mortgage and Original LTO Certificate of Registration with Official Receipt (Encumbered)

Go to the Head Office of the Bank that financed your auto loan and claim the following documents (expect to pay the Notary Fee)

a) Release of Chattel Mortgage and copy of Promissory Note

b) Original LTO Certificate of Registration (CRE) and Official Receipt (OR)

Processing Time: I suggest that you call the bank first. Find out when they can release the above documents.

I just paid-off my auto loan with Union Bank of the Philippines. They have advised me that I could get the Release of Chattel Mortgage & the original LTO Certificate of Registration (Encumbered) at their Head Office in Ortigas after 10 working days.

Likewise, before the onset of the 1st ECQ, RCBC texted me that the Release of Chattel Mortgage and the Original LTO OR CR of my 2015 Isuzu Crosswind was ready for pick up. I claimed my docs at the Mezzanine of RCBC Tower in BGC.

RCBC Savings Bank - Tel #s 8555-8772 / 555-8703

Banco De Oro - Tel #s 8688-1288 / 868801468 ask to be connected to SFU [Service Fulfillment Unit]

BPI Family - Hotline - Tel # 89-100 - follow voice prompt for options

PSBank - Hotline - Tel # 63-2-845-8888

Union Bank of the Philippines - Hotline - Tel # 884-186 or 8841-8600

2) CANCELLATION OF CHATTEL MORTGAGE

Go to the Register of Deeds in your area of residence, submit the "Release of Chattel Mortgage with Promissory Note". (there is a minimal fee to paid here). The Register of Deeds will issue you the cancelled Chattel Mortgage..

Processing Time: Cancellation of Chattel Mortgage varies with every City and Municipality. There was a time when you can receive the cancelled Chattel Mortgage within one day. In fact, I assisted a client to get his at the Register of Deeds in Mandaluyong City and we only waited for an hour. My husband and I assisted another client to get his at the Register of Deeds in Quezon City and he was advised to come back after 3 working days.

3) UNENCUMBER THE ORIGINAL LTO CERTIFICATE OF REGISTRATION (for transfer of ownership; selling your car; these steps are the same but you'll need to submit a Notarized Deed of Sale with valid IDs of Seller & Buyer)

Go to the LTO NCR at 20 Gregorio Araneta Avenue, QC. to request a verified copy of your vehicle's documents. You'll need to advise them which LTO Agency you prefer to receive your new, unencumbered LTO Certificate of Registration. A few days later, you need to return to receive your vehicle's verified documents.

You can now bring these documents to your preferred LTO Agency for processing of your new LTO CR. You need to bring the unit for inspection and stenciling. (There are corresponding

Fees for this procedure)

a) Submit your "Release of Chattel Mortgage" that has been duly stamped"cancelled" by the Register of Deeds and your OR of payment for the Cancellation

b) Surrender your "ENCUMBERED" Original LTO Certificate of Registration

c) The LTO Agency will release a new LTO Certificate of Registration to you that no longer has the word "ENCUMBERED" on it.

Processing Time: Please ask the LTO Agency you are dealing with. Nowadays, they will provide you with a cellphone # you can text for follow up. It usually takes a week for this procedure to be accomplished.

4) You now have your original LTO Certificate of Registration. Keep it properly.

Keep your original LTO Certificate of Registration and the latest LTO Official Receipt with your personal documents in a secured place. Keep a copy of these in your vehicle. You are now the proud owner of a unencumbered vehicle. SMILE! 😊

TIPS AND UPDATES:

a) Where to claim your Original Encumbered LTO CR/OR & Release of Chattel Mortgage –

RCBC Savings Bank Head Office - RCBC Savings Corporate Center 25th 26th St Bonifacio Global City Taguig

Union Bank Philippines - UnionBank Plaza Meralco Avenue cor. Onyx & Sapphire Sts. Ortigas Center, Pasig City

BPI Family Savings Bank - BPI Family Savings Bank Building 109 Paseo De Roxas Corner Dela Rosa Street, Makati, Metro Manila Makati Metro Manila

PSBank - PSBank Center 777 Paseo de Roxas Avenue corner

Sedeño Street Makati City, Philippines 1226

Banco de Oro Unibank -
BDO TOWER beside the Podium
ADB Avenue, Ortigas Center, Pasig City (Across DISCOVERY SUITES)

b) Time-saving Tips

1. After you have received your Cancellation of Chattel Mortgage, you can have your LTO CR unencumbered together with the renewal of the LTO registration of your vehicle.

2. Provincial Residents – those who purchased their unit here in Metro Manila with fully paid auto loans. You can call the numbers stated above, request the bank to send your Release of Chattel Mortgage and LTO OR/CRE to their branch nearest you. After you have received them, then you can proceed to step # 2 - Cancellation of your Chattel Mortgage by going to the Register of Deeds in your area of residence.

c) For your auto loan payment concerns, you can also call the numbers stated in this blog.

d) Do you want to buy another brand new vehicle? Remember to always pay directly to the company's cashier to avoid being scammed.

Vehicle Warranty Vehicle Maintenance

noreply@blogger.com (Miriam Barredo) — Sat, 28 Sep 2024 01:07:00 +0000

September 10, 2007

Last night, Sunday, September 9, 2007 a client texted me to say that his month old 2007 Isuzu Crosswind XT had stalled suddenly along the road. He was irate that his brand new vehicle just stopped suddenly. He was with his family and luckily they did not have any accident as a result of his vehicle suddenly stopping. According to him, the MMDA helped push his vehicle out of harm's way.

I advised him to have his vehicle towed to my office and to get a receipt of his towing fee just in case. I called up my manager to inform him about the incident He then advised our office security to accept the vehicle into the premises.

This morning, I received a call from my office to update me of my client's vehicle problem. It seems he had foglamps and a alarm system installed at an unauthorized shop. Due to the improper installation of these additional accessories, a fuse shorted. This caused the vehicle to lose electrical power and stall suddenly last night. The fuse has been replaced and the vehicle is now working. However, our service staff is at present double checking all the electrical connections for good measure.

This incident reminded me of another client who "cut-cost" on the installation of additional accessories. He had an alarm system installed on his Isuzu IPV at an unauthorized shop. His fuse box shorted and a lot of wirings were burned. The repair to his unit cost him around P7,000 at that time. Whewww!

As for my present client with the 2007 Isuzu Crosswind XT, fortunately for him, repair cost less than a P1,000 and his family was not hurt by the road incident.

Having your unit attended to by an unauthorized shop will void your vehicle manufacturer's warranty. Bringing your vehicle to a unauthorized shop to cut down on your expenses may actually result on additional expenses on your part. Please do not take your unit to a unauthorized shop while your vehicle is still under warranty.

Most brand new vehicles have the following manufacturer's warranty - 100,000 kms or three (3) years whichever comes first. During this time, you should also follow the stipulated Preventive Maintenance Schedule in your warranty booklet. This is usually aside from the 1st maintenance check at 1,000 kms or 1,500 kms then at 5,000 kms, a check up every 5,000 kms apart thereafter. Remember always to have your check up recorded in your warranty booklet and signed by your attending Service Advisor.

Know your vehicle. Read your Vehicle Operations Manual, other accessories operations manuals and Vehicle Warranty Booklet. A well-maintained vehicle is an asset to hold and important for your safety and its occupants.

Updated Number Coding Scheme (UVVRP) 2024

noreply@blogger.com (Miriam Barredo) — Sat, 28 Sep 2024 01:05:00 +0000

UVVRP 2024 .... follow the MMDA Facebook page. For traffic news updates

MMDA MC 06 - Conduction Sticker Relative to UVVRP Implementation

noreply@blogger.com (Miriam Barredo) — Sat, 28 Sep 2024 01:00:00 +0000

This informs you of the new MMDA (Metro Manila Development Authority) regulatory requirement on brand new vehicles pertinent to the implementation of the UVVRP (United Vehicular Volume Reduction Program) or the number-coding scheme.

MMDA Memorandum Circular 06 series of 2013 stipulates that new vehicles which are still without any LTO license plates installed shall be covered by the UVVRP using the last numerical digit of the conduction sticker to determine the day when the subject vehicle is banned.

As such, owners and dealers of brand new vehicles shall be required to display the conduction sticker number prominently on the spaces allotted for regular license plates in front and at the rear of the vehicle.

In view of the foregoing, all motor vehicles for release should be provided with temporary vanity plate indicating the conduction sticker code using the prescribed template hereunder:

Sample

The MMDA Memo Circular 06 was published in Manila Times on April 6, 2013, taking effect 15 days thereafter.

This was published on April 6, 2013 in THE MANILA TIMES and will take effect 15 days after.

Keep updated by following MMDA Facebook page

Ten (10) Things That Drivers Should Know When Driving in Metro Manila

noreply@blogger.com (Miriam Barredo) — Sat, 28 Sep 2024 00:58:00 +0000

1) MMDA Enforcers are not allowed to group together while apprehending a motorist. They are not even allowed to stand together in groups of two (2) or more, except during special operations (ex. apprehending groups of smoke-belching/colorum buses)

2) Swerving is not a traffic violation. It is defined as a movement wherein vehicles shift from a lane to another. However, it can be deemed as an offense of reckless driving if it is done without precautions. (ex. swerving in an abrupt and careless manner, swerving without the use of signals)

3) A driver's license cannot be confiscated by a Traffic Enforcer during traffic apprehensions except on the following situations: a) the driver was involved in a traffice accident b) the driver has accumulated three (3) or more unsettled violations c) the driver has been apprehended for the following violations - - allowing another person to use his/her driver's license - broken sealing wire - broken taximeter seal - colorum operation (cargo/passenger vehicle) - driving against traffic - fake driver's license - fake / altered / tampered taximeter seal - fake / altered / tampered sealing wire - Fast/Defective/non-operational/tampered taxi meter - Flagged meter - Illegal or unauthorized counter-flow - Illegal transfer of plates/tags/stickers - Joined/reconnected sealing wire - No driver's ID - Ignoring Organized Bus Route (OBR) interval timers (for 2nd offense) - Skipping or Bypassing designated OBR terminals or loading bays (for 2nd offense) - Operating on Contractual Basis - Out of Line Operation - Overcharging (with or without conductor) [for 2nd offense] - Refusal to convey passengers to destination/trip-cutting (Taxis and Public Utility Vehicles) - Refusal to render service to public (Taxis and Public Utility Vehicles) - Tampering of OR/CR/ CPC & other documents (spurious documents - Undue preference / unjust discrimination - Using motor vehicle in commission of crime The above-mentioned administrative violations also require a minimu of 2 hours seminar (for the drivers) at the Traffic Academy. Any driver who has committed three (3) or more unpaid violations, whether administrative or moving, shall also be subject to attending seminars, whose length shall be based on the results of the diagnostic exam which will be administered by the Agency. *NOTE: If the license is to be confiscated, the Traffic Enforcer should inform the driver of the reason/s for the confiscation and the ticket validity. If the driver refuses to surrender his driver's license, his plate may be detached pursuant to Section 74 & 75, MC 89-105

4) Private vehicles are not allowed to use the yellow lane except when they are about to turn - provided that they start shifting lanes upon seeing the transition lane (broken white lines painted diagonally), that you can see aroung 50 meters away from an intersection. However, selective apprehension of private vehicles using the yellow lane is highly prohibited. NOTE: Yellow Lanes (1st & 2nd lanes in EDSA) are only for City Buses. City Buses are not allowed to go beyond the yellow lanes. If they do so, they will be apprehended for violating the yellow lane policy. Provincial buses are also not allowed to use the yello lane. Instead, they are encouraged to use the 3rd lane.

5) Each Traffic Enforcer has his/her own written mission order issued by the MMDA Central Admin. Apprehended drivers are free to ask for the apprehending officer's mission order, which includes his area of responsiblity, time of duty, official function. It also indicates whether or not the enforcer is authorized to issue tickets.

6) Traffic Enforcers should issue TVR in complete uniform, with visible nameplates. Traffic Enforcers are instructed to accomplish the TVR (Traffic Violation Report) without any delay or argument on the road, so as to avoid traffic congestion.

7) The Apprehending Enforcer is allowed to issue another TVR for Towing Fee. If the owner of the impounded vehicle fails to release his vehicle after payment of fine in the stipulated date, the impounding officer shall issue a separate TVR indicating no. of days it has remained at the impounding area.

8) Before apprehending, the Traffic Enforcer should flag down the vehicle and lead it to the roadside where it will not obstruct the flow of traffic. Traffic Enforcers should courteously inform the driver of his violation.

9) The Traffic Enforcers are not allowed to ask drivers to alight from their vehicles while the apprehension is taking place. Most importantly, Traffic Enforcers are not allowed to ask or receive bribe money.

10) During traffic apprehnsions, the following can be considered as a valid driver's license; - ID Plastic Card - DLR / Temporary Driver's License - TOP (Temporary Operator's Permit) - International Driver's License - Foreign License The Traffic Enforcer should exercise extra diligence in verifying the veracity of the data or documents presented. If you encounter any Traffice Enforcer violating any of these, - Get the name of the Traffic Enforcer indicated on his/her name plate - Submit a Letter of Complaint addressed to the Traffic Adjudication Board (TAB) MMDA Bldg, EDSA corner Orense St., Guadalupe Nuevo, Makati City within 5 days after the apprehension In case you are involved in an argument with a Traffic Enforcer, CALL MMDA Hotline 136 or Metrobase 0917-5618711 Ask Metrobase to send inspectors to go to the place where the argument is taking place for proper investigation. You may also email complaints against erring Traffic Enforcers to the MMDA through email@mmda.gov.ph Include full details of the incident (attach photos or videos, if possible), so that they will be able to act promptly on the matter.

In this new normal (pandemic times) please remember to practice safety and Health protocols for everyone's protection.

Be considerate. Be patient. Be courteous. Show respect to everyone including the traffic enforcers.

Keep updated with the latest Traffic situations, road rules, UVRRP 2024 at MMDA Facebook page

What you need to know when Buying a Pre-owned Car

noreply@blogger.com (Miriam Barredo) — Fri, 05 Jul 2024 00:30:00 +0000

A few years back I received an email from someone who was planning to buy a "used" / "2nd hand" vehicle. He wanted to know how he could initially check that the unit he was buying was "clean". Here is one way to immediately check the LTO status of the used car -
Text this :*LTO space VEHICLE space XXX000* *
e.g., LTO VEHICLE XKY263*
XXX000 stands for your vehicle's PLATE NUMBER
SEND to 2600* and wait for Auto generated reply then save to
your phone.
BUYING A USED CAR THROUGH FINANCING

Used vehicles up to 5 years old can still be purchased through bank financing. Some banks will finance the used unit at 70% of the appraisal value, others will shoulder 50% of the appraisal value.

*The amount to be finance will depend on the vehicle model, make, year and condition.
*Make sure that you are approvable for a auto loan.
*Seek the advice of a reliable automotive sales agent or auto loan officer for an auto loan approval.

Here are the steps to do after having chosen the used vehicle to buy.

1) Advise the present car owner that you would like to purchase the
unit through bank financing.
2) Inspect the vehicle you intend to buy. Ask the present owner about the maintenance history of the unit.
3) Check the LTO OR and CR (Certificate of Registration). You can initially use the "Cellphone Text Check method" stated above.
4) Negotiate the purchase price of the unit. Then deposit a "earnest cash" of P5,000 with the owner
5) Bring the unit to the bank for appraisal. Submit your auto loan requirements and fill up a auto loan application

If your income is derived through employment, you will need to submit the following -
a) Certificate of Employment with compensation and/or latest ITR

If your income is derived from business -
a) Business Registration (DTI)
b) Latest ITR with a audited financial statement
c) If needed, a copy of your bank statements or passbook

6) Once your auto loan is approved. The bank will release a Bank Guarantee of Payment to the present owner.

The Bank Guarantee of Payment will state that the following documents need to be submitted

(at this stage you can now pay your share of the purchase price to the owner to secure the vehicle's ownership)

a) Original Notarized Deed of Sale between you and the car owner
b) Stencils of the vehicle Engine and Chassis
c) Original LTO OR and CR under the name of the new owner
d) 1 yr Comprehensive Insurance of the vehicle that states that the vehicle is mortgaged to the concerned bank (the buyer / borrower pays for the insurance premium)
e) payment of Chattel Mortgage Fee (the buyer / borrower pays for this)

As soon as the present car owner submits the above documents, the full amount financed will be released through a Manager's Check payable to him.
Here are the steps for the Transfer of vehicle ownership

1) Bring the vehicle to Camp Karingal for Macro Etching and secure a PNP Clearance
2) Bring the following documents to the original LTO Agency that registered the Vehicle

a) PNP clearance,

b) stencils of the vehicle Engine and Chassis numbers,

c) Original Notarized Deed of Sale

Upon submission of the above documents, the LTO Agency will release a new LTO OR and CR under the name of the new owner.

Buying a Car? Visit the following sites to search for one - AUTO SEARCH PHILIPPINES

Looking for a 2-bedroom staycation home? Visit Your QC STAYCATION HOME

Mazda Philippine's 5-year free Service Plan at Mazda Greenhills

noreply@blogger.com (Miriam Barredo) — Fri, 01 Apr 2022 00:11:00 +0000

Test Drive of 2022 Honda Civic at Honda Fairview

noreply@blogger.com (Miriam Barredo) — Tue, 15 Mar 2022 08:23:00 +0000

The Geely Okavango Urban Plus Test Drive

noreply@blogger.com (Miriam Barredo) — Thu, 03 Mar 2022 01:49:00 +0000

This is the first video of our car Test Drives.

We visited Richie Manalo, SE of Geely Fairview and a member of my Auto Search Philippines group.

But this test drive was assisted my Eli who is another Geely SE, too.

Geely Fairview is one of the newest Geely Philippines Authorized Dealer. Actually, the Geely brand is quite new here in the Philippines and steadily gaining popularity.

Geely is the dynamic automotive brand of the Geely Automotive International Corporation, a part of the Geely Holding Group founded in 1986.

The Geely Okavango Urban Plus is their top of the line SUV with full features.

Watch our test drive now -

Please do LIKE and SUBSCRIBE to our YouTube Channel as we bring you more videos to watch.

For more of the new Geely Vehicles in the Philippines, you can view the Geely Philippines Price List here.

Geely Vehicles in the Philippines

Ford Territory Test Drive at Ford Marikina

noreply@blogger.com (Miriam Barredo) — Fri, 11 Feb 2022 04:58:00 +0000

We are going around the different car dealers to test drive the different vehicles of the popular vehicle brands here in the Philippines.

Last February 08, 2022, my husband went to Ford Marikina to test drive their Ford Territory.

Mica Detera, General Sales Manager of Ford Marikina is also a member of my Auto Search Philippines group.

She updates our Ford Philippines Price List in the Auto Search Philippines website.

Likewise, Auto Search Philippines has listed information on the array of the Ford Ranger variants.

Please watch, LIKE and SUBSCRIBE as we will be featuring more car test drives and other interesting videos in the weeks to come.

After our test drive, I sat down for a casual conversation which turned into a impromptu interview with Mica Detera, GSM Ford Marikina, Jhembo Enage, Team Leader and Lalaine Francisco, Guest Experience Officer of Ford Marikina.

My Impromptu Interview with Mica, Jhembo and Lalaine at Ford Marikina

noreply@blogger.com (Miriam Barredo) — Fri, 11 Feb 2022 03:34:00 +0000

My husband and I went to Ford Marikina to test drive the Ford Territory. I have a separate video of the test drive.

But here is an interesting interview I had with my friend Mica Detera - General Sales Manager, Jhembo Enage - Team Leader and Lalaine Francisco - Guest Experience Office.

Are you a Ford buyer? Already have a Ford vehicle? Go visit Ford Marikina and experience their very good customer service.

You can also view the regularly updated Ford Philippines Price List found in our website Auto Search Philippines.

Save on Vehicle Expenses, Save for Emergencies

noreply@blogger.com (Miriam Barredo) — Sat, 22 Jan 2022 13:26:00 +0000

During this pandemic times, we all need to save money and minimize expenses to allot for emergencies.

Here are some tips that car owners can take into consideration to save on their vehicle maintenance and travel expenses.

1) Plan your trips for the day to reduce fuel consumption.

Consolidate your destinations so that you travel within a given area for the day. Map the shortest and most efficient route to each destination in your trip for the day. Take into consideration the traffic times and rush hours.

2) Always maintain your vehicle in good condition.

Follow the regular maintenance check-up needed. This will help minimize the wear and tear of your vehicle’s parts. Inspect your vehicle before every trip – tires, tire pressure, oil, water, brake fluids, do a 360-degree physical inspection of your vehicle. When buying new tires or parts replacements, always use the recommended specifications of your car’s manufacturer.

3) Be updated, be informed, improve your driving skills.

A lot of long-time drivers seldom update their knowledge in driving. But vehicles are ever changing, always being updated and upgraded. Know your vehicle, its features, functions and how to operate each features properly.

Doctors continuously study and attend conventions and seminars to keep informed because of the progress in medicine, you should adopt their attitude and foresight.

Information is readily available through the internet – search, surf, browse and read. Some car dealers or manufacturers offer driving seminars for drivers to know how to drive their vehicles. Take advantage of this.

Car Owner's Automotive Guide and News Privacy Policy

noreply@blogger.com (Miriam Barredo) — Thu, 20 Jan 2022 01:15:00 +0000

At my blog - Cars Automotive Guide and News we recognize that privacy is important. Information we collect and how we use it: We offer a number of services and we do not require you to register for an account or provide any personal information to us. In order to provide our full range of services, we may collect the following types of information: Information you provide - When you sign up for a Newsletter Subscription or Loan Application, Service, answer surveys that requires filling up of forms, we ask you for personal information (such as your name, email address and other pertinent details). In order to provide you with the services that you have applied for. Cookies - We send one or more cookies - a small file containing a string of characters - to your computer that uniquely identifies your browser. We use cookies to improve the quality of our service by storing user preferences and tracking user trends, such as how people search. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. Log information - Our servers automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your web request, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser. User communications - When you send email or other communication, we may retain those communications in order to process your inquiries, respond to your requests and improve our services. We will purge all auto loan forms on a monthly basis but may retain your email address for future communications. Site Affiliation - We have affiliated our website to other web sites such as Google and Google Adsense. Personal information that you provide to those sites will be processed in accordance with their Privacy Policy. These sites may have different privacy practices and we encourage you to read their privacy policies. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies. Links – In order to improve your surfing experience, we have recommended links to other websites that we have visited. We do not exercise control over the sites displayed as search results or links from within our various services. These other sites may place their own cookies or other files on your computer, collect data or solicit personal information from you. Links to other websites Some of the links found here and any of its web properties allow you to leave the site and take you to other sites on the Web. These linked sites are provided only as a convenient way of giving you related information. We are not responsible for the content of any website it links to, or for the content of any further links in that linked site. We are not responsible for changes, updates or unavailability of these linked websites. These sites are not under our control. Therefore, we are not responsible for any inconvenience, harm or damage to equipment caused by the act of following the links to other sites.This Blog only processes personal information for the purposes described in the applicable Privacy Policy and/or privacy notice for specific services. In addition to the above, such purposes include: Providing our products and services to users, including the display of customized content and advertising; Auditing, research and analysis in order to maintain, protect and improve our services; • Ensuring the technical functioning of our network; and Developing new services. Choices for personal information You can decline to submit personal information to any of our services, in which case Auto Search Philippines may not be able to provide those services to you. However, all submitted forms with information are SSL protected and encrypted. Enforcement We regularly reviews its compliance with this Policy. If you have any additional questions or concerns about this Policy, please feel free to contact us any time through this web site. When we receive formal written complaints, it is Auto Search Philippine's policy to contact the complaining user regarding his or her concerns.

Philippines Disaster Emergency Hotlines

noreply@blogger.com (Miriam Barredo) — Fri, 19 Sep 2014 03:27:00 +0000

Our country, the Philippines is visited annually by an average of 20 Typhoons. In view of this fact,
I am posting here for prosperity our present Disaster and Emergency Hotlines for the information of the general public.

May this help somehow my fellow Filipinos in the times of need for emergency help. Hopefully, too, our Emergency Response teams improve through the years.

I just learned a few months ago that I have an office mate who is a Fire Brigade Volunteer. No wonder he always has a walkie talkie on hand, I salute him and many others like him.

My Emergency Survival Kit

1) Flashlight
2) Batteries
3) Swiss Knife Set
4) First Aid Kit
5) Canned Goods
6) Blanket
7) Small Radio
8) A set of Clothes
9) A Canister of Clean Water

24/7 Emergency Services | 112 or 911
Philippine National Police (PNP) | 117 or 168
Police & Fire | 757 or 116
Meralco | (632) 631-1111

National Disaster Coordinating Committee
(NDCC)
911-1406 911-1873 911-1906 911-5061 912-0984 912-2665 912-3046 912-5296 912-5668

Help hotlines:
734-2118 734-2120

Bureau of Fire Protection, National Capital Region
729-5166 410-6254 413-8859 407-1230

Bureau of Fire Protection, Region III (Central Luzon)
Hotline (045) 9634376

Philippine Coast Guard
527-6136

Red Cross
143 911-1876 527-0000

Metro Manila Development Authority (MMDA)
136 896-6000

Taguig emergency hotline
1623

Meralco
16220 0917-5592824 0920-9292824

Planning to buy a brand new vehicle? Visit us at AUTO SEARCH PHILIPPINES for further information and assistance.

Revised Traffic Violation Fines

noreply@blogger.com (Miriam Barredo) — Mon, 07 Jul 2014 07:48:00 +0000

Traffic Violation Fines have been increased effective last June 19, 2014, please take note of the following -

the new traffic violation penalties in accordance with the Joint Administrative Order 01-2014.

- Driving without a valid driver’s license - P3,000 (from P1,500) plus the offender will be disqualified from being granted a driver’s license or from driving a motor vehicle for one year from the payment of the fine;

- Driving a motor vehicle used in committing a crime -P10,000 (from P3,000) plus the offender’s driver’s license will be confiscated, and if convicted, revoked with the driver being perpetually disqualified from being granted a driver’s license. The vehicle will also be impounded until after the payment of appropriate fines and penalties;

- Reckless driving - P2,000 (from P1,000) for the first offense; P3,000 (from P1,500) for the second offense; and P10,000 (from P2,000) for the third offense.
Plus, the offender’s driver’s license suspension for three months for the second offense and six months for the third offense, with the revocation of the license on succeeding offenses. A non-professional driver whose license has been revoked will be disqualified from obtaining a driver’s license for two years from revocation, while a professional driver whose license has been revoked will be perpetually disqualified from getting a license;

- Failure to wear seatbelts – P1,000 for the first offense; P2,000 for the second offense; and P5,000 for the third offense. Previously, the fine was only P250, regardless of the number of offenses. Plus, the driver’s license of the offender will be suspended for one week from the payment of the fine for the third and each succeeding offense. The DOTC also notes that children six years old and below are prohibited from sitting in the front passenger seat;

- Failure to carry a driver’s license or the vehicle’s certificate of registration or official receipt while driving a motor vehicle - P1,000 (from P200 for the license and from P150 for the OR or CR);

- Driving an unregistered motor vehicle - P10,000 (from P4,000) plus, if the non-registration has exceeded one month, the vehicle shall be impounded and released only if it has been registered and its corresponding fines and penalties have been paid. If the vehicle has an undocumented engine (a separate P5,000 previously), the vehicle will be impounded and barred from operating for one year upon the payment of the fines while the engine will be confiscated by the government;

- Unauthorized vehicle modification, including the change of color “and other unauthorized modifications of the standard manufacturer’s specifications” – P5,000 plus the vehicle will be impounded and released only upon correction of the defect and the payment of the fine;

- Operating a motor vehicle without or with defective/improper/unauthorized accessories, devices, equipment and parts – P5,000 (from P150 to P15,000) plus the vehicle will be impounded until the accessory, device, equipment or part is properly installed, corrected or removed depending on the offense and the fine has been paid. Any improper or unauthorized device will also be confiscated in favor of the government;

- All other violations of traffic rules and regulations, from parking violations to illegal turns – P1,000.

All other violations of traffic rules and regulations also include

a) disregarding traffic signs,

b) failure to dim headlights,

c) allowing passengers on top,

d) driving against traffic,

e) illegal overtaking,

f) cutting an overtaken vehicle,

g) overtaking at unsafe distance,

h) failure to give way to overtaking vehicle,

i) increasing speed when being overtaken,

j) overtaking on a curve,

k) failure to yield right of way,

l) failure to signal,

m) unsafe towing.

Looking to buy a brand new vehicle? Visit us at AUTO SEARCH PHILIPPINES for further information and assistance.

Motorists Advisory II - Various Modus for Road Robbery / Carjacking / HoldUp

noreply@blogger.com (Miriam Barredo) — Fri, 03 Aug 2012 14:15:00 +0000

As shared via email among my classmates -

ROAD ROBBERY / CARJACKING

Those travelling in cars especially during rush hour are advised to take precautionary measures to avoid carjacking incidents and other car crimes especially this season, as most often during the afternoon and evening, a chance of rain is very high which adds up to the heavy traffic particularly in the central business districts and EDSA. These give criminals an opportunity to carry out their unlawful intentions such as carjacking and theft from the vehicle. To avoid these unlawful acts, it is imperative that we know the different modus operandi (mode of operation) on carjacking and car crimes together with several important security guidelines.

Modus Operandi
1. "Bunggo-Bunggo" Approach
The group scouts for potential victims, usually lady drivers and persons travelling alone. The syndicate identifies and follows the victim. By the time they reach a deserted and remote area, they deliberately crash into the rear end of the victim's car assuming that the victim will stop and inspect the damage. Members of the syndicate wait for the victim to approach and confront them about the car's damage. The moment the victim alights from his/her car, the suspects take the victim's car at gunpoint.

2. Attacking Vehicles in Heavy Traffic
Thieves typically work in pairs. Spotting a potential victim driving a car with unlocked doors, a pair will force their way into the car stopped in heavy traffic or in an intersection taking away valuable items. The victim is threatened by a knife or a gun taking away his/her wallet and jewelry and sometimes forcing the victim to move to the passenger seat, drives the car to a deserted area, robs the victim or steal the car. In both cases, the victim has no chance of pursuing or even identifying the culprits.

3. “Salisi” Approach
In this approach, the gang will spot for potential victim, preferably with valuables inside the car. One member of the syndicate will get the attention of the victim by creating a scene or a diversionary tactic such as lying dead/injured or as if hit by the car. Once the victims step out from his/her car and approach/confront the so-called victim/syndicate, one member of the syndicate will sneak towards the car and take away valuable items. Oftentimes, the so-called victim/syndicate will demand for damages while creating a fuss to get public attention thus forcing the victim to pay the demands. This approach is also being applied in hijacking.

Security Counter Measures
1. Use extreme caution in all areas in the late afternoon or after dark when most carjacking occur.
2. Avoid travelling alone during unholy hours along roads that are either deserted or with little vehicular/pedestrian traffic.
3. Awareness of the local threat, the criminals' modus operandi and the possible consequences.
4. Always park your vehicle in well-lit secured areas.
5. Watch out for suspicious-looking people before you leave or approach your vehicle. Also try to go around the car to check the tires and any unusual object that may be tied to your vehicle to create noise when the car moves that will require you to go out of the vehicle and investigate while your engine is already running.
6. Do not leave valuables in a parked car that can make more attractive to criminals.
7. If you have a flat tire in an area you regard as unsafe, drive slowly until you find a safe place to stop.
8. Keep windows and doors locked while driving. Be familiar with the car central locking system.
9. Avoiding predictability in timing, routes, and parking. Avoid using the same roads routinely and avoid isolated roads, and where possible, do not drive at night in high risk areas.
10. If your vehicle is bumped or hit, do not stop or leave the vehicle unless you are sure it is safe to do so. The bump may be a prelude to a hi-jacking, robbery, or assault.
11. Carjackers may also pose as persons in need of assistance. Do not stop to help, but notify police of the person's whereabouts.
12. If being victimised by “salisi” gang, drive towards a safer place preferably with police officers around.
13. Always keep a means of emergency communication with readily available emergency contact numbers (speed dial).

Things To Do when Carjacked
1. If you are attacked, drive away if it is possible to do so. If driving away is not an option, switch on your hazard lights and press your horn to call for help or attract attention that may frighten away the attacker(s).
2. If you have a cell phone, use it to call for help.
3. Consider that a criminal who approaches you is likely to be dangerously nervous and/or under the influence of drugs. Therefore, make no hasty movements, react as calmly as possible, and display your agreement to give up your vehicle. Keep your hands in sights and if you have passengers, tell them to co-operate.
4. If the Carjacker makes clear his intent is to steal your vehicle, co-operate fully. Mentally accept the loss of your vehicle and its material content.

5. If you have to get out of your vehicle, do so slowly and calmly. Leave the vehicle keys in the ignition. If wearing a seat belt, make sure you are in full view of the criminal before seeking to undo the belt, and state loudly what you are about to do.
6. Avoid eye contact with the carjacker. He may think you are storing details for later use in identifying him to the police.
7. Do not talk unless the carjacker demands it. Do not reveal your anger. Do nothing to antagonise.
8. Walk away quietly from the vehicle, facing the criminal but with eyes clearly or obviously averted.
9. If your vehicle is equipped with an immobilisation switch that can be operated remotely, wait until the criminal has departed before you activate the switch.
10. Contact authorities immediately.

The following are the contact numbers that you can use in case of emergency:
Nationwide Emergency Hotline Number -------------------------- 117
PNP Highway Patrol Group/Anti-Carnapping ------------------ (02) 726-1261 / 726-1262
MMDA ---------------------------------------------------------------------- 136
NLEX ---------------------------------------------------------------------- (02) 580-8911 / 0918 906 1401
SCTEX --------------------------------------------------------------------- (045) 459-0522 / 0920 967 2839
SLEX -------------------------------------------------------------------- (049) 508-7539 / 0908 880 7539
Skyway -------------------------------------------------------------------- (02) 776-7777 / 0917 539 8762
Star Tollway -------------------------------------------------------------- (043) 7567870 / 0908 865 7827

Motorists Advisory & Warning I - Various Modus for Road Robbery / Carjacking / HoldUp

noreply@blogger.com (Miriam Barredo) — Wed, 13 Oct 2010 04:47:00 +0000

1, While driving on a rural end of the roadway on Thursday morning, a MOTORIST, saw an infant car seat on the side of the road with a blanket draped over it. For whatever reason, he did not stop but when he got to his destination, he called the Police and they were going to check it out.
But, this is what the Police advised even before they went out there to check ....
"There are several things to be aware of .... gangs and thieves are plotting different ways to get a person (mostly women) to STOP their vehicle and get out of the car."
"There is a gang MODUS OPERANDI reported by the local Police Department where gangs are placing a car seat by the road .... with a fake baby in it .... waiting for a woman (of course) to stop and check on the abandoned baby."
NOTE: The location of this car seat is usually beside a wooded or grassy (field) area or an
Abandoned Building, Vacant, Deserted Lots
And the person - woman - will be dragged into these areas, beaten and raped, and usually left for dead. If it's a man, they're usually beaten, robbed and maybe left for dead, too. THEN THE CAR OF THE VICTIM WILL BE CARJACKED.
If any of the above instances happen to you ...... DO NOT STOP FOR ANY REASON!!!
Call the Police or any Emergency Line .....
DIAL 1-1-7 (PHILIPPINES)
and report what you saw, But do not even slow down.

2. If you are driving at night and EGGS are thrown at your windshield,
- DO NOT STOP[ TO CHECK THE CAR
- DO NOT OPERATE THE CAR WINDSHIELD WIPER
- DO NOT SPRAY ANY WATER, TOO
Because eggs mixed with water become milky and block your vision up to 92.5%. This will force you to stop beside the road and become a victim to these criminals.

This is a new technique used by gangs, so please inform your friends and relatives.
Be alert and stay safe. Defensive Driving in every aspect is truly the key to your safety and security.

ATTEMPTED CARNAPPING STORY and ABDUCTION at http://mirpam1.blogspot.com/2009/10/attempted-carnapping-and-abduction.html

CARNAPPING MODUS OPERANDI AT PARKING LOT VIDEO at http://mirpam1.blogspot.com/2009/01/carnapping-modus-operandi.html

Motorists Advisory & Warning - Attempted Carnapping and Abduction

noreply@blogger.com (Miriam Barredo) — Sun, 18 Oct 2009 13:15:00 +0000

THIS IS A FORWARDED MESSAGE FROM A SHOLASTICAN CLASSMATE ..... please share with your friends and love ones (forwarded messgae) Please pass on and spread the word; maybe members of the media can check on this, too. Understandably, my cousin was traumatized by the event and I admire her for gathering her wits together to share her ordeal with the public. This is her narration: ATTEMPTED CARNAPPING AND ABDUCTION I know that this article might be too long to read but I am requesting that you please just give time to read everything meticulously. This will help you a lot to be more aware of your surroundings when driving. This is about the attempted carnapping incident that I experienced last night, Oct 5. Modus Operandi. At about 10pm last night I made a turn towards our main avenue in a village just by the East service road in Sucat. I noticed a car was behind me but didnt think much of it as we were already approaching the entrance to our village. Just right after we passed by the guard house, this particular car zoomed right pass by me to overtake. I thought perhaps it was just a homeowner hurrying to get home after a long and tiring day. My house is situated along the main avenue, and sad to say, the street does not have enough security and lighting as this is along the perimeter of our village. Our village guards are stationed only at the entrance and within the village. Just when I was 2 houses away from my gate, the car, now in front of me, hurriedly parked on the other side of the street. The passenger door suddenly opened and this policeman got out and walked directly to the side of the road I was driving at. At this point, my speed was at a minimum because I had just passed a hump on the road. I had to stop the car because he was blocking my way and the first thing that came to my mind was that if I go ahead and ignore him, he might actually fire at me seeing that he was a cop. Upon stopping the car, he asked me to open the window on my side. I did so but with little space, just enough to hear whatever he has to say. He demanded that I give him my car registration at once. I asked him right away what this was about and his only answer to me was 'Naka-flag kasi etong kotse mo. I was puzzled by his answer but gave him anyway my car registration thinking that if I just present to him whatever he wants, we can end this as quickly as possible since I know I didnt commit any violations. Upon presenting him my car registration, he quickly passed it on to Policeman 2 who suddenly appeared behind him at that point. This policeman 2 then ordered me to open my hood. Irritated now, I asked them again what this was about, but still I got the same answer 'Naka-flag kasi ang kotse mo. I opened my hood and policeman 2 went to the front of the car to check whatever it was he wanted to check. As policeman 2 was checking my hood, I got surprised when policeman 1 knocked on the passenger side window, which was to my right, and asked if he can have a look at my driver's license. Why will he bother crossing to the other side of the car when he could have just asked it from me by my side? I opened my passenger window again with just about 3inches of space. I then told him that my house was just beyond the curve, about 10 meters away from where we were, and requested if we can hold the inspection there where I can feel safer since I can ask someone from the house to accompany me. To this I didnt get any reply. When I finally handed him my license, policeman 2 came back to my side from the front of the car, purposely to distract me. I even requested for the 2nd time to policeman 1, angrier this time, if we can proceed to the front of my house and just continue the inspection there. Suddenly, definitely Godâ€™s miracle, I turned towards my right to look back at policeman 2 just in time to see his whole arm inside my car, squeezed in between the tiny open space, trying to open the door lock! Luckily, I have a window visor which makes it extra hard for him to move his arm inside. When I saw this, I immediately pulled up the window switch to bring up the windows. He even cried in pain because his whole arm got wedged in between the window in the process. This time, my irritation quickly transformed to sheer panic because I knew then that something was definitely wrong. BY LAW, NO POLICEMAN IS ALLOWED TO TOUCH ANYTHING INSIDE YOUR CAR. When he got his hand out of the car, I quickly shut the passenger window. It was then that I noticed policeman 2 was already pointing an Armalite gun at me by my window. I cannot remember clearly what he said but something along the lines of 'Buksan/Ibigay/ Tumigil ka kundi puputukan kita'. I knew then that if I let fear and panic overcome me, I will be in serious danger. I had to be strong and take control. I started honking my horn as loud as I can and as long as I can to attract attention. I had to try. My sister who was in our house that time even mentioned after the incident that she already recognized my horn, but was puzzled because it sounded as if I were still far away. This action clearly disturbed the two policemen (policeman 1 decided to join policeman 2 on my side now) and policeman 2 who was holding the Armalite gun became angrier and then held the gun to the front windshield pointing it in front of my face roughly tapping the glass with the gun. I decided then that I had to escape. I groped for the paddle shift and hand break and just stepped on the gas. I didnt care anymore if the Armalite pointed at me would go off. 'Bahala na' was my attitude. I had to free myself from these two monsters. When I pressed on the gas pedal, I even hit one of them who started walking in front of the car, an attempt probably to prevent me from driving off. He fell in a crouching position but quickly recovered and probably stepped back that's why I was able to drive off. My car hood was still up, I couldn't see a thing but I didn't care anymore. Luckily, the hood fell down when I passed by another hump just a meter away from where I left off. I just kept honking my horn all the way until I reached my house, just 10 meters from where all it happened. I didn't look anymore at my rearview mirror to check if they were behind me. I was focused on our gate waiting to see when my brother's feet will appear (good thing our gate is solid so you won't see the inside of the house) so that I can drive my car quickly inside as soon as possible. When I was able to do so, I shouted to my brother, 'isarado mo na, isarado mo na! A tricycle driver who witnessed the latter part of the incident testified to the same happenings and said that the two policemen went back to their car and drove off, outside of our village to flee. They did not chase me. Thank God. After this brief but traumatic ordeal, I realized that every single move that they did was planned and with purpose. All the small details, when put together, make the perfect crime plan. Their actions were clearly calculated. To emphasize, their modus operandi is: 1) Carnappers disguising themselves as Policemen. They were wearing full police outfit (blue pants, blue collared polo with police caps). They were driving a GRAY INNOVA with a PULIS sign on the side door. 2) Carnappers demanding that you show them your car registration and open the car hood. This was a tactic to obscure my line of vision when the hood is up so I couldn't drive off. This was also so that passersby will think that nothing wrong is going on, just two policemen helping fix the car. 3) Carnappers asking for your license or any document for that matter on the other side of the car, away from you. This was an attempt to open the car door/lock while the other policeman was distracting me. If the guy was able to get in the car, I was sure that they were going to bring me with them. Unfortunately, these criminals werent apprehended and are walking free as you read this. Probably planning on their next â€śtargetâ€ť. Thats why I want to share this with all of you. To warn you of the dangers lurking around us. This is definitely an experience I wouldnt wish upon anyone else. This can happen to anyone, boy or girl. My car was heavily tinted. Even the front windshield was tinted. So we are assuming that I was just at the wrong place at the wrong time. Nagbakasakali lang sila, doesnt matter if I was a boy or a girl, if I was alone or not. But by God's grace, I was able to get out of it unharmed. If you are faced with this experience, call for help right away. Attract attention. This is the best way to get out of this situation. Maintain your presence of mind. Do NOT panic, panicking will only make matters worse. For police assistance, number to call is 1711. This is worth a try. Rather than having your family members or friends rescue you unarmed. Just call family or friends after you've called the authorities. Also, make sure to save your village or subdivision's guard house number so you can easily call for help when needed. Please share this with the people that you care for so we may all stay away from harm's way. This is not a hoax. This is real life. Let this be a reminder that we can ONLY trust people that we know. People disguised as the 'good guy' can end up really being the evil ones. It is so sick how people can be this evil when so much suffering is happening around. Please please please BE SAFE at all times. If you can share other experiences or precautionary measures, please do so to aid everyone on what to do in situations like this. Thank you, God bless and STAY SAFE.

Ten Fuel Saving Tips - A Must Read Especially with the Fast Rising Prices of Fuel

noreply@blogger.com (Miriam Barredo) — Fri, 17 Jul 2009 05:37:00 +0000

1) ALWAYS CHECK TIRE PRESSURE AND TIRE CONDITION - Always ensure that the tire pressure is within the recommended levels, because under inflated tires cause more friction and reduces vehicle speed that may increase fuel consumption.
2) CHECK REGULARLY YOUR ENGINE OIL LEVEL AND AIR FILTER CONDTION - Not enough engine oil will create more friction inside the engine thus increasing fuel consumption and engine deterioration. While clogged or dirty air filter blocks the air going to the engine that may cause unbalanced mixture of air and fuel during combustion thus increasing fuel consumption.
3) FOLLOW PREVENTIVE MAINTENANCE SCHEDULE RELIGIOUSLY - When the engine is in good condition it maximizes engine efficiency and fuel consumption.
4) REDUCE IDLING TIME - Reduce idle time to warm up the vehicle. Instead, warm up vehicle by running it at low rpm. An Idling vehicle will consume 100cc of fuel every 5 minutes
5) DRIVE SENSIBLY - Avoid sudden acceleration and sudden stop or "Jack Rabbit Start". This kind of driving will consume more fuel because your engine will run at high rpm and at low speed. Better accelerate gently and utilize engine braking by anticipating the possible obstacle on the road.
6) MAINTAIN CONSTANT SPEED - Maintain vehicle at constant speed and at low rpm engine. The more you rev up the engine the more fuel is consumed. The ideal speed is below 80kph to attain better fuel consumption. Avoid coasting or clutch riding. Constant stepping on the clutch will reduce engine efficiency and consume more fuel.
7) UP SHIFT AS EARLY AS YOU CAN - Shift to high speed gears as early as you can but make sure that you accelerate gently because abrupt heavy accelerations will result to inefficient burning of fuel that causes high fuel consumption. Up shifting early can reduce fuel consumption up to 10%
8) REMOVE UNNECESSARY LOAD - Additional load requires additional work load to the engine thus consumes additional fuel. Additional 100kg load will decrease up to 3% fuel efficiency.
9) PLAN YOUR ITINERARY - Plan the route of your destination using your map before starting off to avoid congested area. Additional 10 mins. from your original 1 hour route may result to additional 14% of fuel consumption.
10) ALWAYS CONSIDER FUEL EFFICIENCY WHEN BUYING A NEW VEHICLE - Check the fuel efficiency of the car you want to buy. Many car manufacturers considered fuel efficiency as one of the features of their cars.

11) ISUZU DIESEL MISSION - for more tips visit the Isuzu Diesel Mission page

FUEL ECONOMY DRIVING TIPS

This guide will help you on how to drive economically as well as how to make simple vehicle check-ups by yourself, making your vehicle more fuel efficient, reducing your expenses, increasing safety against accidents, and at the same time helping the overall economy of the country by reducing fuel imports.

THE FORMULA! How to measure fuel consumption - Fill the fuel tank to full capacity - Set the trip meter to “0” - Drive applying the instructions in this manual until the fuel is almost empty - Fill the fuel tank to full capacity - Write down the total distance in kilometers - Write down the amount of fuel used in liters - Divide the distance run by the amount of fuel used and you will get the fuel consumption ration in km per liter - The higher the figure, the better!

Vehicle Insurance Claim - Total Wreck

noreply@blogger.com (Miriam Barredo) — Sun, 19 Apr 2009 03:23:00 +0000

Finally, I can sit down again and have the time to continue the story of one of my client's insurance claim a few years back ..... he he .... better late than never. Anyway, as reference to the initial story read my previous post - VEHICLE INSURANCE CLAIM Well, upon inspection and evaluation on the damage of my client's Isuzu Crosswind XT results showed that the frontal damage had reached the vehicle's engine and the collision caused irreparable damage. This prompted the insurance company to declare the unit a total wreck. However, the Isuzu Crosswind was mortgaged to a bank with financing up to 48 months. At the time of the accident, the client had finished 12 monthly payments to the bank only. With this arrangement, the insurance company requested the bank to give them the pay-off amount on the balance of the subject vehicle. Fortunately, the vehicle 's comprehensive insurance covered the full amount of the vehicle's purchase price. My client only had to pay the deductible due. The insurance company paid the bank its pay-off amount due . There was enough left over to return to the client. With money from her insurance claim, my client had enough to pay for the downpayment of a brand new Isuzu Crosswind, again. So, she informed her financing bank that she would like to apply for a new loan to buy another brand new Isuzu Crosswind. Coincidentally, at the time of her new purchase, we had an ongoing promo and by adding to her insurance claim, she was able to buy / upgrade to an Isuzu Crosswind XUV.

Buying a brand new car? Visit us at AUTO SEARCH PHILIPPINES

Carnapping Modus Operandi with Actual Video Footage

noreply@blogger.com (Miriam Barredo) — Tue, 13 Jan 2009 12:40:00 +0000

The above is a video of a actual carnapping incident that I would like to share with you. I remember a few years back ..... I woke up very early in the morning as it was my car coding day. I had to be at my office before 7 am. I was driving my car along Fairview Avenue and had just crossed the intersection when suddenly a motorcycle collided with the side of my car. The rider and the motorcycle fell onto the ground. Worried that the motorcyle rider would be hurt, I stopped my car immediately. But suddenly, I realized that I was alone on the big wide road, it was still dark. Then it dawned on me that, there was no reason that the motorcycle should have collided with my car as there was so much space around us .... unless the collision was intentional. By instinct, I drove off. When I reached my office, conscience struck so I narrated what just happened to my officemates who were early at the office. They told me that I was right not to stop as they have heard and read in the news of several carnappings with similar situations that I have just experienced. As soon as the car driver would get down on the car, a group of men or someone would just poke a gun at you. Again, I share the above video with you to alert you to similar incidence. To avoid such incidents - 1) Never park at secluded areas 2) Be ALWAYS Aware of your surroundings 3) Never get down from the safety of your car, no matter what

Do you plan to buy a brand new vehicle? Visit AUTO SEARCH PHILIPPINES for further information and assistance.

Vehicle Insurance Claim

noreply@blogger.com (Miriam Barredo) — Wed, 26 Sep 2007 01:33:00 +0000

September 26, 2007

I received a text message the other night from the secretary of a company that buys vehicles through me every year. One of their dealers - recipient of their car incentive plan, had a vehicular accident that night. Fortunately, no one was hurt only damages to the vehicle was sustained in the accident. They did not have their insurance policy in the Isuzu Crosswind so they did not know what to do.

Most comprehensive vehicle insurances are enrolled with a 24-Hour Road Assistance Service (towing). But the emergency numbers are in your policies and the operators will ask you for your policy details - like name, address, policy number etc so it is important to have a copy of your comprehensive vehicle insurance policy in your automobile.

Anyway, there was a tow truck available at the accident scene so I advised the secretary to inform them to advance the payment for the tow truck. Ask for a Official Receipt of payment as they will be needing this for their reimbursement of the towing fee as stipulated in the policy.

Other documents needed for their insurance claim (OWN DAMAGE) are -

1) Copy of insurance policy
2) Police Report
3) Driver's License with Official Receipt
3) Copy of automobile LTO OR CR
4) Pictures of the damage/s with the LTO plates of the vehicle visible
5) Stencil of the engine and chassis number
6) Repair Estimate - which in this case would be supplied by the authorized Isuzu Dealer

(Isuzu Commonwealth)

If there is a Third Party Claim on your vehicle insurance, the third party must submit all of the above documents plus -

1) Certificate of No Claim from their vehicle insurance company to rule out double claims

In a OWN DAMAGE claim the insurance policy owner will shoulder a certain amount (known as the Deductible or Client's Participation). This amount is stipulated in the insurance policy and is usually either 1% or .5% of the amount insured. Expenses Over and above the Deductible amount is shouldered by the insurance company.

For THIRD PARTY claims on the comprehensive vehicle insurance policy, the policy owner does not pay any deductible amount.

Not all damages are covered by your regular comprehensive insurance these instances are -
1) when the driver of the vehicle is performing a illegal act that resulted in the accident -

ex. drunken driving, passing through a red light etc.
2) Force Majeure or Acts of God - accidents or damages due to acts of nature - typhoon,

hurricane, flood etc. (however, for a additional insurance premium damages caused by

Force Majeure / Acts of God maybe included in your insurance coverage)
3) Riots, War, public disturbances - if damage to your vehicle is a result of war, riots,

public disturbances and uprisings

Read more on the VEHICLE INSURANCE CLAIM here

Two of the Frequently Asked Questions [For Own Damage Claims] on this blog are
1)  Can the damage done to my vehicle be claimed with my insurance?
     Answer:   Please check your insurance policy. Look for the Deductible amount.
                      If repair estimate of your car's damage is beyond your deductible/participation amount
                      then you can file for an insurance claim.
     Suggestion: If the participation ratio between you and your insurance is such that you have
                      the bigger part, it would be practical for you to have the damage repaired on your own.
                      Example:    Your deductible is P6,000 - estimated repair for your unit is P7,000 which
                                          means since your share is P6,000 and the insurance share is only P1,000
                                          it would practical for you to just have your unit repaired on your own.
2)  My vehicle is more than 3 years old, I had an accident with damage that require replacement of
     damage parts.   How much is my participation on the depreciation?
     Answer: Please check your insurance policy. They have a table of depreciation showing your
                     percentage share. Compute the % against the cost of the replacement part, the result is
                     your share.
     Suggestion: If your vehicle is more than 5 yrs old and you want to cut down on the costs of your
                     expense participation, you can avail of the insurance company's accredited A1 Auto
                     Repair Shops.
3) Note: Your deductible/participation is based on per Own Damage claim.

Most of us who have a Comprehensive Auto Insurance policy seldom read through them. It is a common trait among us. Unfortunately, vehicular accidents do happen and when it does, we are most often flabbergasted and at a loss as to what to do.
What do we do when we figure in a car accident?
1) First of all, it is always handy to have a copy of your car insurance policy in your vehicle.
2) Regardless of who is at fault, one must always keep a cool head. Heated arguments lead nowhere.
3) Fortunately, everyone has a cellphone with picture-taking capabilities nowadays. Take a picture of the accident scene & damage – close-up, front, side and rear angle view (slightly afar from the scene).

4) Options: depending on the gravity of the accident
a) wait for a traffic enforcer to approach / arrive
b) call the appropriate hotline below to report the traffic accident
Manila Traffic Hotline
Front desk: (02)527-3087
Traffic Investigation: (02)527-3088
Trunkline: (02)527-3065
Las Piñas Traffic Hotline
(02)874-5756
Investigations:(02) 874-3927
Traffic: (02)874-5754
Mandaluyong Traffic Hotline
Traffic: (02)534-2993
Command Control Center / C3: (02)533-2225
Emergency: (02)588-2200, (02)588-2299
Marikina Station Tactical Operations Center (STOC)
Hotline: 161
PNP: (02)646-1631
Traffic: (02)646-1633
Pasig Traffic
Traffic: (02)641-1907
Command Control Center / C3: (02)643-0000
Trunkline: (02)643-1111
Makati Public Safety Department
Command Control Center / C3: (02)870-1940, (02)870-1942
Traffic / Radio Room / Public Safety Department: (02)844-3146, (02)819-3270 to 71
North Luzon Expressway (NLEx) hotlines
(02) 3-500
(02) 580-8900
Subic-Clark-Tarlac Expressway (SCTEX) hotlines
Traffic Control: 0920-96-SCTEX (72839)
Trunkline: (02) 362-2246 / (02) 362-9997
Skyway System hotline
Hotline: (02) 824-2282
Landline: (02) 776-7777
Globe: (0917) 539-8762
Smart: (0999) 886-0893
Sun: (0932) 854-6980
South Luzon Expressway (SLEx) hotline
Hotline: (02) 824-2282, (02) 7763909
Laguna: (049) 508-7539, 502-8956
Manila: (02) 584-4389
0917-687-75390
Metro Manila Development Authority (MMDA)
Hotline: 136
Trunkline: (02) 882-4150-77
loc. 337 (rescue)
255 (Metrobase)
319 (Road Safety)
374 (Public Safety)
320 (Road Emergency)
Philippine National Police (PNP) hotline patrol
Hotline: 117
722-0650
Text hotline: 0917-847-5757
5) Get to know the other party. Most importantly, is his vehicle covered by a comprehensive insurance policy or just a Compulsory Third Party Liability? It is the moral obligation for the party at fault to shoulder the repair expense for the damage incurred by the accident. Having a comprehensive insurance coverage is very important for both.

6) At the police station
a) The police investigator will require the Driver’s License of parties involved in the accident
b) He will hand over to each party the Traffic Accident Situation Form where each party is required to narrate their version of the incident.
c) From the narration of each party involved, a sketch will be drawn up of the accident indicating
the position of each vehicle at the time of the accident. This sketch will be signed by each
party involved in the accident
(Here is where your pictures will come in)
d) The investigator will also require from the parties involved as to what has been agreed by them
Likewise, here is where the liability of each party will be determined.
This is where the copy of Insurance policies, contact persons, contact numbers are exchanged.
Calls are made to notify the insurance companies or representatives of the accident.
e) Pictures of the damages incurred are taken. The investigator makes the Police Report which will be needed for filing your insurance claim.

7) Filing your Insurance Claim – Submit the following
a) Police Report
b) Repair Estimate by an Insurance Accredited Repair Shop
c) Pictures of the Damage (close up & from afar showing the car’s license plate)
d) Driver’s License with latest OR
e) Stencils of the car’s Engine & Chassis numbers
f) clear copy of the car’s LTO CR (Cert of Registration) & latest OR of registration
g) copy of your insurance policy

8) For Third Party Claim (Property Damage) – Submit the following
a) Certificate of No Claim - if you do not have a Comprehensive Insurance Coverage,
you will need to request this from the Insurance Company that issued your
CTPL (Compulsory Third Party Liability) policy
b) Repair Estimate by an Insurance Accredited Repair Shop
c) Pictures of the Damage (close & from afar showing the car’s license plates)
d) Copy of Driver’s License with latest OR
e) Stencil of the car’s Engine and Chassis numbers

9) For Third Party Claims (Bodily Injury) – Submit the following
a) a Valid Gov’t Issued ID
b) NSO birth certificate (for minors)
c) Original Medical Certificate
d) Medical receipts with prescription, Hospital bill
e) Other documents as may be required depending on the situation

10) For Third Party Death Claims – Submit the following
a) Valid Gov’t Issued ID of claimants/heirs
b) NSO Birth Certificate
c) NSO Marriage Certificate (if married)
d) Certified Copy of Death Certificate
e) Certified Copy of Funeral Bill/receipts
f) Certificate of Employment / latest ITR (for loss of income)

11) For Claims due to Theft of your insured Vehicle – Do this and Submit the following to your insurance company
a) Report the Incident of your stolen vehicle to the Anti-Carnapping Group and call your insurance company immediately –
Dial (632) 722-4068 / (632) 725-1133 local 4359 PNP Task Force Limbas/ Anti-Carnapping For Highway Robbery & Other Motor Vehicle related crimes
Dial (632) 724-8869 Highway Patrol Group For Motor Vehicle Related Transactions
Philippine National Police Hotline is 117
Ask around the vicinity where you had left your car in case someone may have seen the incident.
Observe if there was any nearby establishment with a CCTV camera that may have recorded the incident.
b) Copy of Carnapping Report
c) Copy of LTO OR CR of your unit
d) Copy of your Insurance policy.

Make sure that you retain a receiving copy of the documents you submitted to the insurance company that is duly received with date and signature over printed name of the Insurance personnel that received your documents. This is important as there is a 3 months waiting / recovery period. If after 3 months your vehicle has not been recovered then the Insurance company will pay for the Actual Cash Value (ACV) of your stolen vehicle.

Note: The Actual Cash Value of your stolen vehicle is not equivalent to the price of the brand new counterpart, so, expect to undergo negotiation with your insurance company for the amount that is fair for all.

This is the time when you can shop around for a replacement for your stolen vehicle.