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Fleet incident in the Philippines — Insurance Commission, LTFRB and SSS after a serious accident on the NLEX or SCTEX

A distribution operator with a depot in Bulacan runs twenty trucks serving supermarket chains in Metro Manila and Cebu, with regular runs along NLEX, SCTEX, and the SLEX. A serious accident occurs on the NLEX between Balintawak and Marilao with one fatality and one severely injured employee. Within fourteen days, four files open: the Highway Patrol Group investigation, the Department of Justice prosecutor review under the Revised Penal Code, the Insurance Commission complaint route after the fleet insurer disputes coverage, and the Social Security System claim for the deceased employee's dependants under the Employees' Compensation Program.