July 17, 2023

MR. JOCEL CHRISTIAN BALINGIT MAURICIO

0872 C Mendoza Street, Turo
Bocaue, Bulacan

Dear Sir Mauricio:

We regret to inform you that your OWN DAMAGE CLAIM filed under Policy No.GC-
PCV-100852489 involving the insured unit, 2022 MORRIS GARAGES MG ZS 1.5L
AT ALPHA with Plate/CS No. W0T055, loss/s of DECEMBER 10, 2022, cannot be
acted upon favorably.

Based on the submitted documents, the insured unit at the time of the accident was being
driven by MR. JOCEL CHRISTIAN BALINGIT MAURICIO who is in possession of
NON-PROFESSIONAL DRIVER’S LICENSE with no. N01-15-021044 with issuance
date of DECEMBER 13, 2022.

In view thereof, the said claim is not compensable since there is a patent violation of the
AUTHORIZED DRIVER CLAUSE of the Policy which reads as follows:

“AUTHORIZED DRIVER:

Any of the following:

b. Any person driving on the Insured’s order or with his
permission. Provided that the person driving is permitted, in
accordance with the licensing law or other regulations, to
drive the Scheduled Vehicle, or has been permitted and is not
disqualified by order of a Court of Law or by reason of any
enactment or regulation in that behalf, provided that for
Sections I and II only of this Policy an authorized driver shall
include a duly licensed driver but whose license at the time of
the accident had expired.”
We wish to commiserate for the loss our Assured have suffered, while we have no other
recourse but to decline liability on the subject claim based on the breach of the authorized
driver provision of the Policy.

We refer to you the subject claim for your proper disposition.

Very truly yours,

(ORIGINAL SIGNED)
VANESSA M. AUSTRIA
Claims Handler/Global City Branch

(ORIGINAL SIGNED)
MR. NELSO S. HEBREO
Branch Supervisor