3rd party refuses to have vehicle fixed under insurance

[SidCoronel]

guys just asking lang po. pls give your suggestions and opinion.
nag ka accident po si misis laat july 7,2019. kunting crash in front lang nag kiss lang ang bumper nung car namin sa ford driver door side. nung natapos ang police sa schematics nya tas nag reverse na sila misis kita naman na wala talagang galos ang ford yung amin ang meron sa bumper kasi sa step board talaga tumama ang bumper nang car ni misis. so to make story short may police report na. for almost a month ala kaming narinig sa driver nung ford. kasi sabi nya dati ipapa check daw niya sa ford ang door nila. din just last week of july nag message na 10k daw ang quote nang ford. so nag ask si misis sa mga ducs para e claim namin sa insurance namin ang gagamitin. but as of this message written wala na namang news sa ford driver. sa tagal na wala pa rin balita sa kanila. what if may ibang nagyari sa car nila din kami na ang mag suffer insurance na namin ang magbabayad. nag ask na si misis lahat nung papers alang bingay kahit picture sa car nila if talagang bang may damage. ang mali lang ni misis di niya nakunan nang picture nung time nang accident ang ford driver door side. pero kita naman talaga na walang galos sa daah cam din namin may video naka lock naman ang video nun di ba di naman ma overwrite yun tama ba.
pls give your ideas and opinions on this.
soort medyu mahaba ang message.
thanks


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The reason you buy insurance is to have peace of mind. Next time, just give out your insurance policy number and the insurance company's contact information, and that's all you need to do.

You cannot and should not worry about what other people wanna do. Stay out of it. If he wants P10k, he should ask your insurance. If he cheats, your insurance will definitely handle him.

[dr. d]

i agree.
tell your insurance provider about it.
bahala na sila.

[travajante]

The reason you buy insurance is to have peace of mind. Next time, just give out your insurance policy number and the insurance company's contact information, and that's all you need to do.

You cannot and should not worry about what other people wanna do. Stay out of it. If he wants P10k, he should ask your insurance. If he cheats, your insurance will definitely handle him.

i agree.
tell your insurance provider about it.
bahala na sila.

+1

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[wenz_vios 1.3 x]

thanks guys.


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[inay_minerva]

I would:

1) Not admit anything, unless I'm in front of a judge
2) Get all relevant docs (Police report, ORCRs, drivers license, contract details, etc)
3) Leave the police station
4) Submit all docs to my insurance
5) My insurance will have my car and the Taxi repaired

What? Do you think they can hold you? Do you think they will suit? Do you think Taxis have comprehensive insurance?

Additional question on liability:

Obligado ba ako magbigay ng hassle fees/expenses (pang-grab etc) sa nabangga ko dahil nde nya magamit sasakyan nya until matapos ang repair? Ipapasok naman sa insurance at sasagutin ko nman participation.

Thanks.

[shadow]

Additional question on liability:

Obligado ba ako magbigay ng hassle fees/expenses (pang-grab etc) sa nabangga ko dahil nde nya magamit sasakyan nya until matapos ang repair? Ipapasok naman sa insurance at sasagutin ko nman participation.

Thanks.

Nope! That's ****ing extortion!


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[SidCoronel]

Additional question on liability:

Obligado ba ako magbigay ng hassle fees/expenses (pang-grab etc) sa nabangga ko dahil nde nya magamit sasakyan nya until matapos ang repair? Ipapasok naman sa insurance at sasagutin ko nman participation.

Thanks.

NO, NO, NO
You don't have to pay anyone, not even 1 centavo.

Just give hin/her a copy of you insurance policy + the contact number of the person who sold you the insurance (a.k.a. Broker)

[dr. d]

Additional question on liability:

Obligado ba ako magbigay ng hassle fees/expenses (pang-grab etc) sa nabangga ko dahil nde nya magamit sasakyan nya until matapos ang repair? Ipapasok naman sa insurance at sasagutin ko nman participation.

Thanks.

nope.
baka mapa-bad lang kayo sa insurance claims nyo.
clear everything you do with your insurance provider, before doing it.

[makelovenotwar]

So what's a good reply if the other party wants you to pay those kinds of fees?
"Hindi ako makakapasok sa trabaho kaya kailangan bayaran mo yung kikitain ko dapat."
"Bayaran mo din yung pamasahe ko sa pag-aasikaso ng pagpapagawa ko ng kotse ko."

Yung hindi aggressive na sagot sana. Yung factual lang.

[SidCoronel]

So what's a good reply if the other party wants you to pay those kinds of fees?
"Hindi ako makakapasok sa trabaho kaya kailangan bayaran mo yung kikitain ko dapat."
"Bayaran mo din yung pamasahe ko sa pag-aasikaso ng pagpapagawa ko ng kotse ko."

Yung hindi aggressive na sagot sana. Yung factual lang.

A) Ignore all communications with him/her (after you have given him a copy your insurance policy ang contact details of your broker)

B) Tell him to call your insurance broker

[SidCoronel]

nope.
baka mapa-bad lang kayo sa insurance claims nyo.
clear everything you do with your insurance provider, before doing it.

Thanks for highlighting another important point Dr d.

Do not pay even 1 centavo, it technically means a settlement has been made = no insurance claims

[makelovenotwar]

A) Ignore all communications with him/her (after you have given him a copy your insurance policy ang contact details of your broker)

B) Tell him to call your insurance broker

Okay gets.
Basta siguro sabihin ko na lang sa kanya na bahala na ang insurance ko maghandle ng concerns niya.
"I understand your concerns, please raise that to my insurance company."

[shadow]

So what's a good reply if the other party wants you to pay those kinds of fees?
"Hindi ako makakapasok sa trabaho kaya kailangan bayaran mo yung kikitain ko dapat."
"Bayaran mo din yung pamasahe ko sa pag-aasikaso ng pagpapagawa ko ng kotse ko."

Yung hindi aggressive na sagot sana. Yung factual lang.

"Hinde ko problema yan hinde naman naputol paa mo para hinde ka makapasok" [emoji39]


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[yubby24]

So what's a good reply if the other party wants you to pay those kinds of fees?
"Hindi ako makakapasok sa trabaho kaya kailangan bayaran mo yung kikitain ko dapat."
"Bayaran mo din yung pamasahe ko sa pag-aasikaso ng pagpapagawa ko ng kotse ko."

Yung hindi aggressive na sagot sana. Yung factual lang.

Yung nakakainis na reply. K.

"I understand your concerns, please raise that to my insurance company."

Okay na to para sakin.

[SidCoronel]

Okay gets.
Basta siguro sabihin ko na lang sa kanya na bahala na ang insurance ko maghandle ng concerns niya.
"I understand your concerns, please raise that to my insurance company."

Yes, they can even claim for 1million if they want to

[ninjababez]

Yes, they can even claim for 1million if they want to

yup bagsak nito civil case, na malamang tawanan lang nun kakasuhan.

[inay_minerva]

nope.
baka mapa-bad lang kayo sa insurance claims nyo.
clear everything you do with your insurance provider, before doing it.

salamat sa mga reply.

backgrounder lang:
tatlo kme involved sa banggaan. highway sa guagua, pababa ng tulay (buti nalang wala nasugatan)
- 1st car galing right lane sumingit pakaliwa sa lane namin. (walang 150m mula ng pumasok galing sidestreet, see screenshot) bigla tumigil at mag-uu-turn pala (pero wala naman kasalubong) (2018 model wigo, company subsidized, compre insurance, pampanga-based)
- 2nd car nasa unahan ko, napatigil na din gawa ng biglang pagtigil ng 1st car... so mejo dikit na sila (2018 model mirage, company subsidized, compre insurance, pampanga-based pero makati nagwo-work)
- ako ung 3rd car (2003 fuego, TPL, manila-based) at ako tumama sa 2nd car na tumama na din sa 1st car... (ako lang may dash cam)
- minor damage sa likod ng 1st car; sira trunk ng 2nd car pero umaandar pa naman
- may fault ako sa pagtama sa 2nd car pero sinabi ko sa pulis na kung nde sa biglang paghinto ng 1st car... at nde na din nakasignal ang 2nd car...eh nde kme mag-aabot tatlo..... at wag lahat sa akin isisi dahil wala ginusto mangyari ang aksidente... sa police report, para magka-agreehan na...pumayag ako na babayaran ko participation fees
- bago kme matapos sa presinto, nagsabi ni 2nd car na komo matagal sa insurance at pag ipapasok sa casa, eh magbayad na lang daw ako ng 50K...nang tinanong ng namin kung san nya ipapagawa, eh sa kasa din daw...sabi tuloy ng pulis, para saan pa sha nagbabayad ng insurance kung nde nya gagamitin... sinabi ko din na kung ganun pala eh sa kakilala ko talyer nlng dadalhin
- nsa sales daw sha kaya ginagamit nya ang kotse nya...initially na usap sa presinto, bilang pakikipagkapwa tao... sabi ko sort of hassle fee, willing ako ishoulder grab nya as long as may resibo... a few days later tinawagan ako at sinasabi na 1K daw expenses nya per day...nag-offer ako magbigay ng grab credits...ayaw tanggapin... at sabi daw ng legal nila intayin insurance.... in 2 weeks eh nakaka-10K na daw sha.... in short, gusto makahawak ng actual cash...pero wala maibigay na receipts kahit ano.... ipapa-legal daw ako...ang sabi ko sige wala naman problema, patawagin nya sakin ang legal nila at kme mag-uusap... nde naman ako tatakbo.... pagkatapos nun nde nako tinawagan ulit.... at nde pa rin naman ako kinocontact ng insurance ng 2nd car

sorry at mahaba kwento....and additional question

- ako ba lahat dapat sumagot sa insurance pati nung sa 1st car?

thank you

[WallyWest]

You paid their (I assume cars 1 and 2) participation fees so may understanding na kanya-kanya kayong pagawa. Hindi ba nakasulat sa police report ang settlement nyo?

Have you tried contacting your own insurance and let them talk to car 2's insurance?

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[_Qwerty_]

dapat gumawa ka nang quit claim and pinapirmahan mo sa kanila kung binayaran mo na participation nila.. wala ka nang ibang babayaran..

kinakwartahan ka lang nyan.. sa insurance nya sya humingi nang loaner car ni pro provide naman yan..

[inay_minerva]

You paid their (I assume cars 1 and 2) participation fees so may understanding na kanya-kanya kayong pagawa. Hindi ba nakasulat sa police report ang settlement nyo?

Have you tried contacting your own insurance and let them talk to car 2's insurance?

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dapat gumawa ka nang quit claim and pinapirmahan mo sa kanila kung binayaran mo na participation nila.. wala ka nang ibang babayaran..

kinakwartahan ka lang nyan.. sa insurance nya sya humingi nang loaner car ni pro provide naman yan..

Yes, sa police report namin participation ang sasagutin ko. TPL lang po ako kaya ako ang kumakausap. Now, I am looking for insurance providers na pwede sa old vehicle models.

Si 1st car maayos kausap. Kahit mejo nagtagal, binigay kaagad sakin details ng insurance nya nung hiningi ko. wala ligoy-ligoy.
Kaya nga, as in extortion mode ang datingan ni 2nd car. 26 years old lang yun ah. Ang bata-bata ganun na ugali.

I've been driving for almost 25 years and first time ko nainvolve sa ganito.
Anyway, salamat po ng marami sa mga replies. Dami ko pa rin natutunan.