Thank you for all those who replied in this thread BE VERY VERY CAREFUL... Sleepy and Drunk Drivers… most of you are right, the process really takes long and they haven’t until now started any repairs on my car . I’l share with you my experience on buying a second hand car from a stranger and claiming from auto insurances. This is a follow through on the accident I met last dec 15…

The insurance company just yesterday denied my claim for damages to my car (Estimated cost of damages c/o Honda magallanes is 72K++). According to them, I don’t have any “Insurable interest”. Upon their investigation, they found out that my deed of sale was falsified. The investigation was triggered by the deed of sale I faxed them as a requirement of my ownership to the car. It was found out that they have two deeds of sale with the first owner’s name on both deeds of sale. The falsification on my deed of sale was seen on the forged signature of the first owner and her inconsistent TIN no (in fact, the first owner when asked by investigators (NBI), did not acknowledge having signed the second deed of sale). I now hold the person who sold me the car (and told me lies on how he got the car) responsible for this. (The seller is DELFIN LABIT ZOLETA, BEWARE OF HIM! DON’T TRUST THIS PERSON!) , I am preparing everything first on my end for my protection and for a stronger case before I tell this person that I found out he falsified our deed of sale. So, just yesterday, the insurance already told me that my claim is denied bec I don’t have any “Insurable Interest”. The insurance is now endorsed to a second owner who sold the car to DELFIN. I didn’t know that there was a second owner aside from delfin. This alarmed me so I tracked this person down (the supposed second owner) bec. he’s the only one who can endorse me the insurance bec its under his name already. Very fortunately, I was able to find this guy through some friends and went to his house yesterday. He is into buy and sell of cars. When we talked to him and met him, He was very accommodating and willing to help but I still don’t know if I can trust him (anyway, here’s his name: Edgardo Rellosa, just in case anybody here bought a car from him and can attest to his truthfulness). He acknowledged that he really sold the car to Delfin but he doesn’t have a notarized copy of the deed of sale daw between him and delfin bec. Delfin, who promised to have it notarized daw, did not return to him (hay!). Anyway, our resolution, upon consultation also to some friends and here-say from ppl working in an insurance co., we’ll have to do an affidavit, coming from the second owner (edgardo) and now the insured member, declaring and acknowledging that I am now the owner of the car and that the use of the car was permitted because it was sold to me already. Also, he’ll be calling the insurance co. to file the claim himself because he is the authorized person to do that. And he (edgardo) will be issuing another deed of sale between me and him this time insuring that everything is legal. I don’t know if that will work. I pray that it will. But moral of the story, as much as possible 1)buy a car from somebody you know, 2)make sure the other party indicated in the deed of sale (the one named in the OR-CR) is present during the signing of both parties (The deed of sale shown to me was an open deed of sale, with the signature of the 1st owner already on the document when I signed it) and 3) get an insurance from a company that will not give you any headaches if you, God forbid, met an accident and have to claim damages cost.


Thank you again for reading and for your future replies.

Again, be careful and smart with any dealings you may have (I learned this the hard way). God bless!