Pursuant to the powers vested in the Insurance Commissioner by Section 437 (d) and  (p)  of The  Insurance  Code,  as  amended  by  Republic  Act  No.  10607,  to lessen the burden on the part of the insured to secure Police Reports which are not  easily  accessible  and  to  provide  an  alternative  to  Police  Reports  as  a requirement  in  the  processing  of  motor  insurance  claims  as  allowed  in  this Circular, the following Rules and Regulations in the Use of Traffic Accident Investigation  Report  as  an  Alternative  Requirement  in  Processing Insurance Claims in Motor Insurance are hereby adopted:

Section 1. Scope. - All Non-Life Insurance Companies offering motor insurance.

Section 2. Definition. - As used in this Circular, a Traffic Accident Investigation Report  is  a  document  prepared  by  an  Authorized  Person  as  provided  under Section 4 hereof who, in the regular course of duty, investigates a motor vehicle accident  resulting  in  bodily  injury  to  any  party  or  loss  of  or  damage  to  the property of any person as one of the requirements  to substantiate an insurance claim.

Section 3. Contents. - A Traffic Accident Investigation  Report shall contain the following minimum information:

(a)  The time, day, month and year of the accident;
(b)  Information adequate to identify the location of the accident;
(c)  Identifying information for all involved parties and witnesses, including name, age, sex, complete address, telephone number, vehicle ownership and registration, proof of insurance and name of insurer;
(d)  A narrative description of the facts of the accident, a simple diagram of the scene of the accident, traffic violation, if any, photographs,  available closed circuit television (cctv) footages and the investigating officer's name, agency and identification number;

(d)  Attestation  of  the  parties  involved  in  the  accident  as  well  as  the  person preparing the traffic accident investigation report; and,
(e)  Such  other  matters  which  are  relevant  to  the  preparation  of  the  Traffic
Accident Investigation Report.

Section   4.   Authorized   Person/s   to   Prepare   Report.   -   Traffic   Officers, Personnel,  or  Constables  of  Metro  Manila  Development  Authority  or  Traffic Bureau/s or its equivalent of local government units duly certified by the Land Transportation Office (LTO) that such traffic officer, personnel or constable have undergone, completed and passed the necessary course for Traffic Accident Investigation Reporting.

Section  5.  Applicability.  -Traffic  Accident  Investigation  Report  shall  only  be used as an alternative to Police Report in processing insurance claims for motor vehicles  resulting  in bodily  injury  to any  party  or loss  of or damages  to such motor vehicle or property arising from the operation of a motor vehicle in public highways,  roads  and  streets  of  Metro  Manila,  Metro  Cebu  and  Metro  Davao where traffic officers,  personnel  or constables,  as provided  under Section  4 of this Circular, exercise their regular duty as such.

Provided however, that this Circular shall not be applicable to any claim arising from fire, external explosion, self-ignition or lightning or burglary, housebreaking, theft, malicious  act, whilst in transit or for death or injury to any passenger  or third-party pursuant to the provisions of Section 391 of The Insurance Code, as amended by R.A. 10607, where the claim shall be paid without the necessity of proving   fault   or   negligence   of   any   kind   which   requires   police   report   to substantiate a claim.

Provided further, that non-life insurance companies are not, based on their sound business judgment, precluded from relaxing their requirements to substantiate insurance claims but not to the effect of requiring stricter or more cumbersome requirements in processing motor insurance claims.

The application of this Circular regarding the use of Traffic Accident Investigation Report vis- -vis Police Report is attached to this Circular as ANNEX œA .

Section 6. Effectivity. - This Circular takes effect immediately. For strict compliance.

Under the Current Practice where only the Police Report is recognized	Under this Circular where Traffic Accident Investigation Report (TAIR) is recognized as an alternative to Police Report (In Metro Manila, Metro Davao and Metro Cebu areas)
Section I Third Party Liability (TPL) - Bodily injury including Death	Section I Third Party Liability (TPL)
Section II No Fault Cause (Sec. 391 of the Insurance Code, as amended) - including Death Section III a. Loss & Damage b. Carnapping c. Damage to property Section IV-A Extended Third Party Bodily Injury Section IV-B Extended Third Party Property Damage	Section III Damage to Property Section IV-A Extended Third Party Bodily Injury Section IV-B Extended Third Party Property Damage

Note: Non-life insurance companies are not, based on their sound business judgment, precluded from relaxing their requirements to substantiate insurance claims but not to the effect of requiring stricter or more cumbersome requirements in processing motor insurance claims.