About
Passenger Accident Management and Insurance Agency, Incorporated (widely recognized as PAMI) is a prominent, specialized insurance management agency in the Philippines. Established in 1999, PAMI pioneered the development and nationwide rollout of the mandatory Passenger Personal Accident Insurance Program (PPAIP) under the oversight of the Land Transportation Franchising and Regulatory Board (LTFRB) and the Insurance Commission (IC). The agency acts as an independent management company administering mandatory accident covers exclusively for public utility vehicles (PUVs)—including jeepneys, commercial buses, UV Express vans, and Transport Network Vehicle Services (TNVS) like GrabCar. Operating as the management arm for its accredited insurance pool alongside its lead insurer, COCOGEN Insurance Company, Inc. (formerly UCPB Gen), PAMI ensures that millions of commuting Filipinos are protected by standard no-fault insurance benefits covering accidental death, medical reimbursements, and dismemberment injuries resulting from road crashes.