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June 12th, 2021 12:25 PM #111Yup. Unless maprove mo sa kanila na isang incident lang. Unlikely kasi na nabangga ka sa harap tapos may gasgas at dent din sa likod. If you can prove it, iaccept naman nila. Dito na papasok yung actual pictures of the accident.
Pag ikaw naman ang sa insurance adjuster, how sure will you be na lahat nga ng tama eh galing sa iisang mangga? Papano mo idefend sa boss mo din na inapprove mo na nahulugan ng mangga lalo kung sa ibat ibang panel ang tama at mukhang nabangga pa ng iba ang damage? Hirap diba?
Naalala ko dati, sa coastal road. Yung kasalubong namin na jeep, nahulog yung spare tire na nilagay nya sa bubong ng jeep nya tapos mabilis takbo. Muntik kami tamaan, buti naka iwas. In hindsight, inisip namin, kung sakaling nadamge yung kotse, papano namin maprove na ganun nangyari... Di pa uso dashcam noon.
Charter din insurance ko. Took a week to have claim approved.
Sent from my MI MAX 2 using TapatalkLast edited by sirkosero; June 12th, 2021 at 12:31 PM.
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June 12th, 2021 12:55 PM #112
Pag ganyan boss, on site accident report form provided by the insurer, may part na drawing mo ang pangyayari hehe, sabay pa pirma sa kabilang party, better kung may witness na bgy official. di pa kasi masyado uso camera phone noon
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June 12th, 2021 05:14 PM #113
Sa FB ko lang lagi din nababasa yang per panel na participation fee (parang fake news na kumalat na lang din siguro).
General rule naman talaga na per incident yan not per panel.
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June 12th, 2021 05:15 PM #114
It was on one event doc. I was at the hospital for a few days. I usually park at that area naman during my clinic days. I don’t know kung one day lang yun or not, pero within a week’s time yun. May dent sa roof, fender and rear door. Then windshield was broken. Malakas din kasi hangin nun time na yun so baka yun reason why the mangoes fell. Sinilong ko kasi yun car dahil ilang days siya maiiwan. Napasama pa tuloy.
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June 12th, 2021 05:18 PM #115
Eventually I was able to talk na to the higher ups. Per event/incident nga daw. Initial person who said per panel ang charge was wrong.
They are asking me to bring the car by early July (mahirap daw kasi order ng windshield from Japan for Rav4). Dadalin ko na kasi sana sa labas para iparepair yun dents kung 15k ang sisingilin. Parang kaya naman itulak lang e.
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June 12th, 2021 06:13 PM #116
That is fast, compared to what happened to me. In my case, I needed to write a letter to the main office so that I may be entertained.
I filed my claim by the month of August, and I was only "noticed" properly by the month of November. If I didn't write a formal complaint on November 2, I don't know how long it would have taken.
With CGIC, it took them a month before getting the approval. I don't know if it was from casa or from the insurance company that caused the delay. No complaints with the company, except that it took them more than a month for my car to be released.
In my experience with PhilBritish, Nica is prompt in doing a follow-up. In fact, the delay was on my part. It took me a month before I was able to send all the documents needed. I was "trapped" because of my work. Once I brought the car, release is swift.
I have no intention to malign the company. I am just sharing my experience. And my experience is in great contrast to what happened to my friend, who recommended Charter Pinggan. He got his approval the next day, and everything was hassle free. With me, it took them about four months.
My friend is an alpha male! While I'm only Charlie.
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June 12th, 2021 08:34 PM #117confiscate the offending spare tire and present it as evidence.
include the jeepney driver as corroborating evidence.
you might also confess, you ran into a lamp post.
para wala nang ebi ebi dense pah.
jok.
seriously,
the proof is in front of you.
what matter how it was incurred?
eh, self accident is admissible naman, 'di bah.Last edited by dr. d; June 12th, 2021 at 09:13 PM.
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Tsikoteer
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September 30th, 2022 01:20 AM #118ichoose website ang pinaka bang for the buck mag offer ng insurace sa 2011 ko kotse, mercantile insurance ang offer
mas okay ba dumertso na sa mercantile insurance at mas makaka tipid ako? o dito talaga sa ichoose website dapat.
bukas tatawagan ko yung mercantile insurance
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September 30th, 2022 12:15 PM #119
Kaka pa quote ko lang dyan sa I choose, konti lang difference ng standard sa mercantile for 1M, 500 kesos lang dagdag sa premium plus taxes.
Pakitanong na lang kay Mercantile kung gano katagal ang claim sa kanila, sabi kasi sa ichoose nung agent, 14 working days daw. Antagal nyan, last claim ko, 2 working days lang sa FPG, pero direkta kasi ako, parang in house ata ako. Baka ganun din kay Mercantile or even standard kung company account ka.
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Verified Tsikot Member
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September 30th, 2022 03:43 PM #120Question: Is it good deal to accept car insurance offer in which the coverage is more than the SRP of your car?
Medyo mahal din kasi premium, I know sulit siya yan if ma totaled yung car.
Pero hindi naman talaga gusto natin na ma totaled yung car.
I would just like to hear your thoughts and opinions.
"they had to go and work". aside from the money lost by not working on a working day, there may...
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