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Under Philippine laws, a car owner must secure the basic CTPL coverage. For this, PBAC will issue a Certificate of Cover (COC) which is a must in annual car registration. PBAC will pay doctor's fees, medical bills, and medicines of third parties who may be injured in the accident involving your car.

• Loss of life and/or loss of use or severance of vital parts of the body.
• All benefits available in the policy that did not result from accidents but from criminal acts perpetrated by other persons.
• Assistance on medical expenses incurred by the insured as a result of accident.
• The cost of interment in case of death as a result of accident.