According to Waze users, Metro Manila has the world’s worst traffic. Despite its size, not to mention population, it lacks efficient public transportation that could get people from point A to point B in a short period of time.

The average commute time in Manila, according to the study is at 45.5 minutes. It is the longest compared to world cities such as Jakarta, New York, and London. Economic losses due to traffic congestion are at an estimated P2.4 billion a day. If things won’t improve, by 2030, as much as P6 billion could be lost every day due to the traffic situation.

This alarming situation is also bad news for car owners. Aside from the fact that you could get stuck in traffic, you also expose your vehicle to different untoward incidences. LTO in 2013, listed 2.1 million vehicles in NCR. That’s 27% of the total number of vehicles in the entire country. In 2015, this number even increased to 2.5 million.

Given these numbers, every car owner needs to have his or her own car insurance. And it is not just any car insurance. It is imperative to have the right policies which will cater to your needs as a motorist. Here are some things that you might encounter in Metro Manila’s traffic situation.

Accidents

Accidents in Metro Manila is a common thing that can happen given the jam-packed public roads, impatient drivers, not to mention the poor traffic rules implementation. Given this scenario, accidents may happen, and the worst-case scenario is that you get involved in an accident with an uninsured vehicle. Public utility vehicles such as jeepneys do not have the necessary car insurance to protect them or their fellow motorists on the road.

Flooded streets

Flooded streets have always been a problem in Manila. Given rapid urbanization in Manila clogging waterways, it is a common scenario to encounter flooding problems. Since Ondoy, the Act of God car insurance coverage has been taken seriously, given the amount of damage that flooded streets could do to a car. And since we experience multiple numbers of typhoons yearly, cars in the metro are at risk of being flooded.

Stolen vehicles/vandalism

How many cars deal with stolen stereo or damaged windows because of vandals? And the worst thing is that it is a possibility that you may even have your vehicle stolen. Given the number of cars in Metro Manila, it is hard for authorities to find your vehicle. In fact, some criminal elements are even selling stolen property via buy and sell websites such as OLX.

Car insurance is something that you wish you have especially given the crazy situation in Metro Manila. With more risks than ever, car owners should be cautious by taking the right type of car insurance. Talking to the right person should be a priority if you want the right coverage for your car insurance. Given today’s technology, it is even easy to compare car insurance policies. What iChoose.ph offers is something that can come in handy for every motorist looking to get the best bang for their buck.