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  1. Join Date
    Jun 2005
    Posts
    3,593
    #111
    Quote Originally Posted by rd81 View Post
    Policy said per incident talaga sir Dee. Pero yun coordinator ng insurance said they donít believe daw na single incident lang kasi hiwa-hiwalay yun areas of damage. I said i cannot choose where the mangoes will fall and it was windy later in the afternoon that day. I was at the hospital so hindi ko namove yun car. Nasa gilid nga ako ng trees e, not exactly underneath. So baka nahanginan talaga. Iniinsist nila na different incidents daw. Car Insurance choices


    Sent from my iPhone using Tapatalk
    Yup. 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 Tapatalk
    Last edited by sirkosero; June 12th, 2021 at 12:31 PM.

  2. Join Date
    Jan 2016
    Posts
    5,365
    #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

    Sent from my Mi A1 using Tsikot Forums mobile app

  3. Join Date
    Nov 2009
    Posts
    12,338
    #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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  4. Join Date
    Jan 2020
    Posts
    59
    #114
    Quote Originally Posted by dr. d View Post
    yes, the participation fee is per event, regardless of how many panels are involved in that single event.

    but i ask,
    did the hulugan part occur in just one fell swoop?
    or did it happen several times over a significantly longer period of time, within which time you failed to move your car to a safer place?
    you did say you were indisposed, during the interval.
    makes for arguable argument from either side...
    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 donít know kung one day lang yun or not, pero within a weekís 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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  5. Join Date
    Jan 2020
    Posts
    59
    #115
    Quote Originally Posted by cast_no_shadow View Post
    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.


    Sent from my iPhone using Tapatalk
    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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  6. Join Date
    Dec 2017
    Posts
    2,687
    #116
    Quote Originally Posted by rd81 View Post
    Yeah. Charter Pinggan nga rin ito. Inhouse of Toyota. I will not renew my insurance with them anymore. Sa iba nalang next time.


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    Quote Originally Posted by sirkosero View Post



    Charter din insurance ko. Took a week to have claim approved.

    Sent from my MI MAX 2 using Tapatalk
    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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  7. Join Date
    Mar 2008
    Posts
    49,064
    #117
    Quote Originally Posted by sirkosero View Post

    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 Tapatalk
    confiscate 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.

  8. Join Date
    Oct 2013
    Posts
    2,535
    #118
    ichoose 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

  9. Join Date
    Jan 2016
    Posts
    5,365
    #119
    Quote Originally Posted by Stigg ma View Post
    ichoose 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
    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.

  10. Join Date
    Nov 2019
    Posts
    489
    #120
    Question: 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.

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