Phil

 is a street racer in Midnight Club 3: DUB Edition.

Description
Phil lives in San Diego and is a member of the "Choppers of America Bike Club". The fourth challenger in San Diego, Phil boasts that he can beat the player with a chopper. By beating Phil in a series of four races, the player wins his Hotmatch Cuevito.

Trivia

 * According to Oscar, Naomi in Atlanta used to "hang out with him." Naomi also rides a chopper.
 * As mentioned by Oscar, he is also a loco.